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How to Complain

How to Contact Chase Customer Service

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.

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Chase has numerous customer service lines available for all the inquiries you may have as an account holder. In this post, we list the contact methods for all of Chase’s products including credit cards, personal banking, auto loans and more.

In addition to the methods listed below, you can reach Chase customer service by signing in to Chase OnlineSM and sending a message via the secure message center. Click on the “Customer Center” tab, then click “Send a new message” on the left-side navigation.

You can also tweet @ChaseSupport. Representatives are available Monday-Friday from 7 a.m.-11 p.m. EST and Saturday and Sunday 10 a.m.-7 p.m. EST. Remember not to share any account or other personal information on Twitter.

Chase Customer Service

Phone

Mail

Online or mobile banking support

Customer Service: 1-877-242-7372

TTY: 1-800-242-7383

Outside the U.S.: 1-713-262-3300

Credit cards - personal

Customer Service: 1-800-432-3117

TTY: 1-800-955-8060

International: 1-302-594-8200

Card Services
P.O. Box 15298
Wilmington, DE 19850

Active duty military:
SCRA enrollment for Cardmember Services
P.O. Box 183240
Columbus, OH 43218-3240

Credit cards - business

Customer Service: 1-888-269-8690

TTY: 1-800-955-8060

International: 1-480-350-7099

Card Services
P.O. Box 15298
Wilmington, DE 19850

Active duty military:
SCRA enrollment for Cardmember Services
P.O. Box 183240
Columbus, OH 43218-3240

Personal banking

Representatives are available 24/7 for:

Service on existing accounts: 1-800-935-9935

TTY: 1-800-242-7383

Automated service available 24/7 for:

Online and mobile banking technical support: 1-877-242-7372

International online and mobile banking technical support: 1-713-262-3300

National Bank By Mail
P.O. Box 36520
Louisville, KY 40233-6520

Deliveries via courier:
National Bank By Mail
Mail Code KY1-0900
416 West Jefferson, Floor L1
Louisville, KY, 40202-3202, United States

Auto loans

Customer Service: 1-800-336-6675

TTY: 1-800-524-9765

Chase Auto Finance
P.O. Box 901076
Fort Worth, TX 76101-2076

Home equity loans

Customer Service: 1-800-836-5656

TTY: 1-800-582-0542

Representatives are available:
Monday - Friday: 8 a.m. - midnight EST
Saturday: 8 a.m. - 8 p.m. EST
Sunday: Closed

Chase
Attn: Home Equity Servicing
Mail Code OH4-7304
3415 Vision Drive
Columbus, OH 43219-6009

Mortgage loans

Customer Service: 1-800-848-9136

TTY: 1-800-582-0542

Spanish Customer Service: 1-855-280-4198

Representatives are available:
Monday - Friday: 8 a.m. - midnight EST
Saturday: 8 a.m. - 8 p.m. EST
Sunday: Closed

Homeowner’s insurance inquiries: 1-877-530-8951

Chase
Attn: Customer Service Research
Mail Code: OH4-7302
P.O. Box 24696
Columbus, OH 43224-0696

Exclusive address for notices of error, requests for information and qualified written requests:

Chase
P.O. Box 183166
Columbus, OH 43218-3166

Investments and retirement planning

For servicing questions for Chase Investments: 1-800-392-5749

Retirement Money Market Accounts or IRAs/CDs: 1-855-800-8053

For advice on your accounts, please contact your assigned advisor or team.

For other savings and banking services: 1-800-935-9935

Private client

Existing customers only: 1-888-994-5626

Fill out this form for new customer inquiries

Commercial banking

Existing customers only:

General: 866-954-3718

J.P. Morgan Access® Technical Support: 866-872-3321
Chase ConnectSM Support: 877-226-0071 or 855-893-2223 (for government, health care, higher education and not-for-profit clients)

Image Deposit Direct® Technical Support: 866-619-3060; for Virtual RemitSM Technical Support: 866-872-3321

Positive Pay Solutions Center: 800-235-6286; Positive Pay fax: 817-399-5550

Fill out this form for new customer inquiries

Business banking

Existing accounts: 1-800-242-7338

TTY:1-800-242-7383

General inquiries: 1-800-242-7324, select option 2

Representatives are available 24/7

National Bank By Mail
P.O. Box 36520
Louisville, KY 40233-6520

Deliveries by courier:
National Bank By Mail
Mail Code KY1-0900
416 West Jefferson, Floor L1
Louisville, KY, 40202-3202, United States

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

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Building Credit, How to Complain

Where To Dispute Your Credit Report Online

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.

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It has never been easier to dispute incorrect information on your credit reports online. You are now able to dispute information to all three credit reporting agencies online. We will provide you with instructions for each reporting agency below.

Just one warning: we highly recommend that you disputes online and in writing. If you do not like the outcome of the dispute, a paper trail will be very helpful for the dispute. And written letters, sent by certified mail, are much more effective. In addition to providing you with the online dispute information, we will also provide you with the mailing address for each credit reporting agency below.

TransUnion

You can dispute with TransUnion at dispute.transunion.com.

You can call them at 1-800-916-8800.

You can dispute in writing at this address:

TrasnUnion, LLC Consumer Dispute Center, PO Box 2000, Chester, PA 19022

Equifax

You can dispute online with Equifax here.

You can dispute in writing at this address:

Equifax Information Services, LLC, PO Box 740256, Atlanta, GA 30374

Equifax does not provide a telephone number on their website. They tell you to refer to the telephone number provided on your credit report.

Experian

You can dispute online with Experian at http://www.experian.com/disputes/.

You can dispute in writing at this address:

Experian’s National Consumer Assistance Center, PO Box 2002, Allen, TX 75013.

Experian has a customer service phone number, which is 1-866-200-6020.

The Process

If you want to dispute an item on your credit report, we recommend the following process.

First, download your most recent credit report from all three credit reporting agencies. You can obtain your free report at AnnualCreditReport.com.  You are allowed to download one free report every year. Don’t be fooled by the free credit score websites. In order to see what is on your credit report, you need to have your full report.

Once you identify the incorrect information, you should dispute in writing and online. When you draft your letter, make sure you keep a copy of your letter for your files. In addition, you should send the letter with certified mail so that you have proof of your correspondence. In your letter, please include as much information as possible. Credit reporting agencies are used to receiving many disputes from people who are just trying to get something legitimate removed. The more details you have and you can share, the better the chance of getting the right outcome during your first dispute.

The credit reporting agencies have 30 days to respond. If you do not like the response that you receive, you do not have to quit. Instead, you should share your complaint with the Consumer Financial Protection Bureau. You can submit your complaint online here.

After you file your appeal with the credit reporting agency, you may want to appeal to the creditor as well. For example, if Capital One has an account that you do not believe is yours, you should send them a letter (also via certified mail) disputing the account. You should include as much information as possible in the letter, and let them know that you will also be disputing the information with the credit reporting agencies.

Once It Is Fixed

Once you get your credit reports fixed, you have the right to ask the credit reporting agencies to send updated information to anyone who requested a report in the last six months. For example, you may have applied for a job and been embarrassed by a collection item that did not belong to you. Once the information is cleared up on your credit report, the credit reporting agency could provide updated information to your employer.

Beware Disputes and Mortgages

If you are applying for a mortgage, you should be very careful before disputing an item on your credit report. For conforming mortgages (Fannie Mae and Freddie Mac), you often are unable to close a mortgage while a dispute is open. And disputes take time. That is another reason why it is important to keep an eye on your credit report regularly.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

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Building Credit, Consumer Watchdog, How to Complain

NCTUE: The Database You Need To Know About

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.

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Credit score large

All of us have been well trained: every year we need to download a free copy of our credit report from all three credit reporting agencies (Equifax, Experian and TransUnion). However, there are over 400 databases out there capturing consumer information. And this information can end up in credit scores, insurance scores or other surprising places. If this information is incorrect, it could make your life more difficult and more expensive.

One database that is set to become very important is the National Consumer Telecom & Utilities Exchange (or NCTUE). 70 of the largest cable companies, pay TV companies and other utilities joined together with Equifax to create a database. This database contains information about your payment history, including records of when you failed to make payments on time to your utility companies. The database contains both positive and negative information.

As you can imagine, not all of the data is accurate. The credit reporting industry does not have the best reputation. And neither does the cable industry. With this database, we have over 70 companies reporting information to Equifax on a regular basis. There definitely will be errors.

This database is going to become more important because FICO will likely start using NCTUE data in future scoring models.

There is good news: you have the ability to request a free copy of this report every year, just like a credit report. And there is a dispute process. We are all responsible for managing our own data, and it is highly recommended that people request their annual free copy, and immediately dispute any incorrect information. We will explain how to do both of those below.

Free Annual Copy Of Your Report

Unfortunately you can not request a copy online. There are two ways to request the report.

You can call 1-866-349-5185. Ask for the NCTUE Disclosure Report.

Otherwise, you can mail a request to the following address:

NCTUE Disclosure Report, PO Box 105161, Atlanta, GA 30374.

Security Freeze

Just like a standard credit report, you also have the ability to put a security freeze on this report. When you put a freeze on your report, it will prevent the NCTUE from sharing your information with the utility and telecommunication companies. If someone has stolen your identity and tries to open a telephone line with your information, for example, they would not be able to with a freeze.

You can complete a freeze online, at this website.

Fraud Alert

If you do not want to freeze your account, but you believe you may have been the victim of fraud, then consider adding a Fraud Alert to your account. With a fraud freeze, information will be passed along to the utility company. However, they will be made aware of the fraud alert and will be required to complete a higher level of verification.

To place a fraud freeze on your account, you can call 1-866-349-3233.

Dispute

If you see information in your credit report that does not look accurate, you have the right to dispute the information. When you receive your report (yes, it is a paper report), a Dispute Form will be included. Just fill out and return the dispute form to start the process.

Complaints?

If you are having issues with the NCTUE, we encourage you to complain to the Consumer Financial Protection Bureau. They take complaints regarding credit reporting agencies, and this database should fall under that definition.

You can complain online, or via telephone. The phone number is 1-855-411-2372.

Or, register your complaint online here.

Other Databases

You can follow the same process with both your standard credit reports and the ChexSystems report.

You can get your credit report for free at AnnualCreditReport.com. You can dispute information found on your report here:

To check for a free copy of your ChexSystems report (which has information on bank accounts, including overdrafts, bounced checks and other negative information), visit this website. And you can dispute information here.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Get Personal Loan Offers
Up to $50,000

$

Won’t impact your credit score