
Quoting
priscilla_bia
My question involves collection proceedings in the State of: California.
I have two credit card account with Chase Bank. They closed both my accounts without any preior notification. I have new but impecable credit history. The first time I called to fond out why my card had been denied at a store, they lied and told me that Experian recommended that my accounts be closed. When I contacted Experian they said that they would never do such a thing. I called the bank again and told me that they would never say Eperian recomend that an account be closed. The second explaination I received was that even though I was never late on my payments and that I always paid more than the minimum, that I was too close to my credit limit and that was considered a risk. Now, if I am not to reach a certain limit, then why is is established in the first place? Besides, they cannot assume that I will not pay it anymore, or that I will pay it in full. This is ridiculous. I'm furious. I have been trying to build up my credit for the past 2 years because I'm goinf to buy my first home. Now I can't!!! They have ruined my credit. What can I do about this? I am in desperate need of soem legal advice. I can't leave things they way they are.
Thank you.