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  1. Actually, I’m not certain, but I believe that Chase still owns it, and MRS is collecting on their behalf. I’m basing it on: 1) The following language in their latest letter, “These payments will NOT satisfy your full obligation to JPMorgan Chase Bank N.A.”, and 2) I haven’t been notified that the debt is sold. I know they don’t always do that, but the last couple of credit cards that went south sent me letters stating the debt had been sold, and to whom. Also, theninformation that would be required to validate the debt is included in every piece of corrrspondence they’ve sent. I s
  2. Ugh I already have to edit! I just checked my USPS Delivery emails, and I actually received the first follow up letter Thursday 1/14, not Monday 1/11. I’m not sure it makes a difference, but in the spirit of putting it all out there... Everything starts to blend these days, I suppose. Thanks!
  3. Hi everyone, In late 2018 I got behind on two credit cards with Chase, which were eventually charged off in 2019. Original balances were ~3500 and ~4500. A few collection agencies had them, but most recently MRSBPO, and the offers kept getting lower to settle the accounts. It got down under 20% of the original balances, and since Chase doesn’t have arbitration in their contracts, I decided to pay and get that behind me. I gave them my debit info on 1/4, and they payment due date was 1/8. Here’s where it gets weird (or maybe not weird, maybe this is their MO). They never to
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