My credit nightmare

I was first contacted by chase tracking in 2017 when they advertised one of their tracking units. We went through the application over the phone. I later decided not to add a Tracking device on my car, so I canceled my application with chase tracking.

It turns out that their billing team when ahead and billed me for a tracking unit that was never installed in my car. According to my credit report, I defaulted in 5 payments for chase Tracking.

I contacted chase Tracking as soon as I was aware of this in 2018 and they promised to update my ITC record. Fast forward to 2021 I was made aware that chase Tracking is still on my record and it has been destroying my credit record since 2017.

On March 15 20121, I called chase Tracking, narrated my whole story, they checked on their system and confirmed that the application was canceled and that I should have never been billed. They promised again to update my ITC report. I then asked them to send me a letter to prove that I never defaulted in any payments, it was an error on their side. They promised to send that letter by end of business Tuesday 16. I waited, nothing came through, I then called chase again on Wednesday 17 March enquiring about why I haven't received the letter. They said they processed it on their side, they were waiting for the department responsible to send it through to me. I should receive by end of business, sharp.

I waiting nothing came through again. I called them again on Tuesday 23 March, I asked why haven't I received the letter yet. They gave me stories and promised to send by end of business, I said no I will accept that today and wanted to speak to a manager. I spoke to a manager who introduced herself as Kira, I narrated my story to her and she told me they had a system problem but they should be able to send the letter by end of business today. I asked for the call reference which I have in my posession.

Nothing came through again. I called chase again on Thursday 25 March and they made the same promise and I said no I need to speak to a manager. I spoke to the same again by the name of Kira. She made the same promise of sending it by the end of business day.

I told her that I gave them enough time to solve problem, I gave them until end of business day Friday 26 March to send me the letter or I will take legal action against them. She acknowledged my complaints and assured me that I will receive the letter in the said time.

I did not receive it, even now that I'm writing this review. This company has ruined my life. I cannot get a house bond because of this issue with my credit record. I have been suffering for years because I can't get financial assistance.

I am in the process of filing a lawsuit against this company for all the financial distress they've caused me and my family.

I will advise anyone not to be engaged with this company. It's almost as if there's no accountability whatsoever from their employees, they do as they please.