Chase continued to charge me interest on that $153, and it rolled up to $640. They wrote off the debt and sent it to collectins. In addition, they filed negative remarks on me with the 3 CRAs, and every month, like clockwork, they are refiling it late, killing my credit score which was in the 900s. I disputed it with the CRAs online, and was rejected. I then disputed it via email and they responded that the claim from Chase proved valid or something. I'm at the point now where my pride and effort have worn out, and i'll pay the $640 extortion fees just to get this off my card. I called the collection agency, and they can accept the money, but they cannot get it taken off my credit report! I went to chase, and they said that they no longer had jurisdiction over the matter, and I should go to the collection agency! My questions: 1) should i just pay the collection agency to shut down the constant pinging of my credit card? Or does that kill any leverage to ever get this off my CR? 2) if i threaten lawsuit to Chase, can i get to someone in their organization with enough clout (their internal legal) to fix this situation? Thanks for your help!