Seeing Chase Receivables on your credit report can be frustrating, but you have options to deal with it. Here’s what you need to know and how to remove them from your credit file.
Who Is Chase Receivables?
Chase Receivables is a third-party debt collection agency based in California. Despite the name, they are not connected to JPMorgan Chase Bank.
The company was formerly known as Credit Bureau of Napa County, Inc. They collect debts for businesses across several industries and operate offices in these cities:
- Fairfield, NJ
- Harahan, LA
- Hawthorne, NY
- Petaluma, CA
- Sonoma, CA (headquarters)
If they appear on your credit report, it usually means they are trying to collect on an unpaid debt.
Who Does Chase Receivables Collect For?
Chase Receivables works with businesses in multiple industries, including:
- Auto lenders (especially auto loan deficiencies)
- Credit unions and financial services
- Healthcare providers and physician billing companies
- Utilities and telecommunications companies
- Direct marketing firms
One of their most well-known clients is Verizon.
Is Chase Receivables Legitimate?
Yes, Chase Receivables is a real debt collection company. They have authorization to collect debts on behalf of their clients. That said, never assume a debt is valid without reviewing the details. Always ask for proof before agreeing to pay.
How to Remove Chase Receivables From Your Credit Report
Collection accounts can stay on your credit report for up to seven years and may lower your credit score. Here are a few ways to handle it:
- Dispute inaccuracies: Check your credit report for errors. If the account is incorrect, file a dispute with the credit bureaus to have it removed.
- Request debt validation: You have the right to ask Chase Receivables for proof that the debt is yours. If they can’t verify it, they must stop collection efforts.
- Negotiate a pay-for-delete: In some cases, you can offer to pay the debt in exchange for Chase Receivables removing the account from your credit report. Get any agreement in writing.
- Work with a credit repair company: Professionals can help challenge questionable accounts and improve your credit faster.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Chase Receivables?
Before contacting Chase Receivables or making a payment, confirm the debt is accurate and legally enforceable. Paying an old debt can sometimes restart the statute of limitations, depending on your state.
If you’re unsure how to handle it, working with a credit repair company can help. They deal with collection agencies every day and understand how to protect your rights.
Will Chase Receivables Sue or Garnish Wages?
Chase Receivables has the legal right to pursue collections, which may include filing a lawsuit. If they win in court, they could get a judgment and potentially garnish your wages or bank account. However, lawsuits are not automatic, and many debts are resolved before reaching that point.
If you receive legal paperwork, take it seriously and consider getting legal advice.
Chase Receivables Contact Information
Here’s how to reach them:
- Mailing Address:
Chase Receivables
P.O. Box 659
West Caldwell, NJ 07004 - Headquarters:
Chase Receivables
1247 Broadway
Sonoma, CA 95476 - Phone Number:
(866) 855-3970
Common Complaints About Chase Receivables
Like many collection agencies, Chase Receivables has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most reports involve:
- Inaccurate credit reporting
- Failure to verify debts
- Aggressive collection tactics
If you believe your rights are being violated or the debt is incorrect, file a complaint with the CFPB or BBB.
Your Rights When Dealing With Chase Receivables
You have protections under federal laws like the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). Debt collectors must follow these rules:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact. They must provide proof the debt is yours and the amount is correct.
- They cannot harass you, call excessively, use abusive language, or publicly shame you.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest or jail for unpaid debts.
Knowing your rights helps you handle collection accounts with confidence.
Get Chase Receivables Removed From Your Credit Report Today
If you’re dealing with Chase Receivables, professional help can make the process easier. Credit Saint is one of the most trusted credit repair companies in the industry, helping clients challenge negative items like collections and errors.
They even offer a 90-day money-back guarantee, giving you added peace of mind while working to improve your credit.
Visit their website or call (855) 281-1510 to see how they can help you remove negative accounts and take control of your credit.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
