Hello everybody, I am requesting help in regards to some goodwill I hope Chase can show me. I have read PsychDocâ??s Nutcase Letters (awesome!) and Marciâ??s goodwill letter (excellent!). I would like to ask for some help in getting Chase to dismiss a 30-day late I have on my credit report. Here's the situation - my account was originally with Providian. I paid the account with a credit card check. The check was erroneously returned. At that point nothing got reported, as I paid the account in full after clearing up the misunderstanding (and had never been late on a payment in my life before that credit co. error). The account later got bought out by Chase. I closed the account last August, then found the item on my credit report shortly thereafter. Chase said they reported anywhere from 1-3 days before I closed the account. The CRA's cannot verify the date it was reported to them. I have asked for this documentation from the CRA's, but they have only said that Chase verified it and that they (Chase) have to ask to remove it. I will be contacting Chase to ask for written verification on this issue. Beyond that, I have already asked Chase for a goodwill adjustment (letter was nowhere in the PsychDoc or Marci league) and heard nothing back. I have also asked the CRA's for written procedures on how they verify this, but have heard nothing back. So far in my research, I have not been able to find any legislation that prevents creditors from reporting negative items after an account has been closed - not to say that there isn't something out there. So, here are the questions I have that hopefully the Creditnet community can help me with: 1. Does anyone have a copy of or know where the goodwill letter Marci sent to Chase is posted? I have seen the one she sent to Citibank, but would like to see the one for Chase, if at all possible. 2. How should I go about sending the goodwill letter? To a mid-level female manager as rblues suggests? How about to the CEO, the CFO (who is female), or to the head of customer service? Should I send it through planetfeedback.com? If I send it through this website, whom should I address it to? Does anyone have the name of a specific person at Chase I could send the goodwill letter to? 3. Is there anything I should do differently in approaching this issue, since I have already closed my account with Chase, and they theoretically do not have the â??incentiveâ? to grant me the goodwill adjustment? 4. Iâ??d really like to try this nicer approach first, because it has the higher likelihood of working, before I try the more aggressive, ballistic approach. Any thoughts? 5. Any other thoughts / ideas / suggestions would be most appreciated. THANKS EVERYONE!
