If you searched “Chase Receivables” expecting to find something related to JPMorgan Chase Bank – stop here. Chase Receivables is not Chase Bank. Chase Receivables (also known as Credit Bureau of Napa County, Inc.) is a separate, independent debt collection agency based in Fairfield, New Jersey. JPMorgan Chase Bank, N.A. has no affiliation with them whatsoever. If a letter or call from “Chase Receivables” surprised you because you don’t have a Chase Bank account, that confusion is exactly why so many people search for them – and why it’s worth reading carefully before paying anything.
Chase Receivables is BBB accredited with an A+ rating – but 25 complaints in three years and two federal class actions for misleading collection letters tell a more complicated story. Call +1-844-638-1122 – The Wood Firm PLLC offers free consultations and works on contingency.
Key Takeaways
- Chase Receivables is not Chase Bank. It is Credit Bureau of Napa County, Inc., a separate debt collector based in Fairfield, NJ – not affiliated with JPMorgan Chase in any way
- BBB accredited with an A+ rating, but 25 complaints in three years for rude service, misleading debt information, and validation failures
- The Carfora class action alleged they charged a $103.09 Verizon collection fee before it was authorized or earned
- The Gochet class action alleged their letters misled consumers into thinking phone disputes triggered FDCPA protections – they don’t, only written disputes do
- The Wood Firm PLLC works on contingency – whether you owe the debt or not, we can help you
Who Is Chase Receivables?
Chase Receivables, Inc. is the operating name of Credit Bureau of Napa County, Inc., a third-party debt collection agency headquartered in Fairfield, New Jersey, with offices in Vacaville, California. They have operated for over 65 years and collect debts across various industries including telecommunications, healthcare, and financial services. Their official website is chaserec.com.
They hold a BBB A+ rating with accreditation – which makes them different from most agencies in this space. However, accreditation reflects their responsiveness to the BBB, not whether their collection practices comply with federal law. The Carfora and Gochet class actions demonstrate that BBB-accredited agencies can still face serious legal challenges.
If you’ve been searching “chase recievables” (common misspelling) – you’ve found the right page.
Contact information:
- Phone: (877) 256-2510 / 877-256-2510 / 8772562510
- Also reported: (866) 855-3970 / 866-855-3970 / 8668553970
- Also reported: (800) 622-0484 / 800-622-0484 / 8006220484
- Also reported: (800) 326-7118, (800) 851-6003
- Website: chaserec.com
- Headquarters: Fairfield, NJ (also Vacaville, CA office)
Is Chase Receivables the Same as Chase Bank?
No – and this distinction matters enormously. Chase Receivables is Credit Bureau of Napa County, Inc., an independent debt collection agency. JPMorgan Chase Bank, N.A. – the bank behind Chase credit cards, mortgages, and checking accounts – has no ownership, affiliation, or relationship with Chase Receivables whatsoever.
This matters because consumers sometimes pay Chase Receivables believing they are settling a Chase Bank credit card debt, or ignore Chase Receivables contact because they don’t recognize any Chase Bank account. Neither reaction is based on accurate information. If Chase Receivables is contacting you, verify which original creditor they claim to represent – it may have nothing to do with JPMorgan Chase.
Note: JPMorgan Chase itself has faced its own separate litigation – including a $136 million settlement with federal and state regulators regarding credit card debt collection practices. Those cases are entirely unrelated to Chase Receivables.
Whether You Owe The Debt Or Not, We Can Help You!
Federal law protects you from abusive debt collection regardless of whether the debt is valid. You may be entitled to:
- Up to $1,000 per FDCPA violation
- Actual damages for emotional distress and financial harm
- Attorney fees paid by Chase Receivables if we win
✓ We work on contingency — You pay nothing unless we win
FREE Case Review: +1-844-638-1122
How to Stop Calls from Chase Receivables
To stop calls from Chase Receivables, the most important first step – given the Gochet case’s findings – is to put everything in writing. If you want to stop receiving calls from (877) 256-2510 / 877-256-2510 / 8772562510, (866) 855-3970 / 866-855-3970 / 8668553970, or any of their other numbers, here is what to do:
1. Request Debt Validation in Writing – Not by Phone
The Gochet class action exposed a specific problem: Chase Receivables letters allegedly suggested consumers could dispute debts by phone, when in fact the FDCPA requires written notice to trigger full validation protections. A phone dispute does not carry the same legal weight as a certified mail dispute letter. Send your validation request via certified mail to their Fairfield, NJ or Vacaville, CA address and keep the receipt.
2. Check Whether Any Fee in Their Letter Was Authorized
The Carfora class action alleged that Chase Receivables added a $103.09 “Verizon Collection Fee” to a collection notice before that fee was authorized or earned. If your Chase Receivables letter includes any fees beyond the principal balance – collection fees, processing fees, administrative charges – verify whether those fees are actually permitted by your original agreement with the creditor. Unauthorized fees in a collection letter may violate the FDCPA.
3. Send a Cease-and-Desist Letter
If calls continue after your validation request, send a written cease-and-desist via certified mail. All contact must stop except to confirm cessation or notify you of legal action. Keep your receipt as documented proof.
4. Hire an Attorney
Once Chase Receivables knows you have legal representation, contact routes through your attorney. The Wood Firm PLLC works on contingency – whether you owe the debt or not. Call +1-844-638-1122.
What Courts Have Said About Chase Receivables
Chase Receivables has faced two significant class action cases, both targeting specific language and practices in their collection letters rather than general harassment conduct.
In Carfora v. Credit Bureau of Napa County, Inc. d/b/a Chase Receivables, a proposed class action alleged Chase Receivables sent a Verizon collection letter including a “$103.09 Verizon Collection Fee” – a fee the suit argued was demanded before it was authorized or earned under the original agreement. Charging collection fees in a notice before those fees have been legally established may constitute a deceptive practice under the FDCPA.
In Gochet v. Credit Bureau of Napa County, Inc. d/b/a Chase Receivables, a Wisconsin consumer sued alleging Chase Receivables misled consumers about their dispute rights. The complaint centered on collection letter language implying consumers could dispute debts by phone, when the FDCPA’s validation protections are fully triggered only by written dispute. By suggesting a phone call was sufficient, the letter allegedly tricked consumers out of the full legal protections they were entitled to.
A third proposed class action similarly alleged Chase Receivables failed to disclose in written communications that disputes must be submitted in writing to trigger FDCPA protections – reinforcing the Gochet theory across a broader class.
Chase Receivables Reviews and Complaints
Chase Receivables holds a BBB A+ rating with accreditation – rare among debt collectors. Despite that, their BBB complaint file shows 25 total complaints in the last three years, with 8 closed in the last 12 months. Consumer discussions on Reddit and complaint forums describe similar recurring themes: agents who start politely but escalate to pressure tactics, misleading information about who owns the debt, and resistance to providing written validation documentation.
The consistent complaint pattern – failure to provide validation, demanding payment without documentation, and misleading information about debt ownership – mirrors the specific allegations in the Gochet and Carfora cases.
How to Remove Chase Receivables from Your Credit Report
To remove Chase Receivables from your credit report, start by verifying what they’ve actually reported and whether it’s accurate. Their documented history of misleading fee disclosures and debt ownership information means entries reported by Chase Receivables deserve careful scrutiny.
- If the entry is inaccurate – dispute it in writing with Equifax, Experian, and TransUnion. If the balance includes unauthorized fees similar to the Carfora allegations, document the discrepancy between what the original creditor shows and what Chase Receivables reported.
- If validation was not provided – reference this in your bureau dispute. Written validation requests that went unanswered may support removal.
- Pay-for-delete – negotiate written deletion from all three bureaus as a condition before any payment. Get it confirmed in writing before paying.
- FCRA grounds – if Chase Receivables reported inaccurately, you may have a separate Fair Credit Reporting Act claim.
Why The Wood Firm PLLC Is the Right Call Against Chase Receivables
Chase Receivables’ legal exposure is specific: letter language that allegedly misleads consumers about their dispute rights, and collection fees that allegedly appear before authorization. Those aren’t vague compliance failures – they’re documented patterns in federal filings. When we look at a Chase Receivables letter, we know exactly what to examine and where the vulnerabilities are.
The Wood Firm PLLC has handled FDCPA, FCRA, and TCPA cases exclusively since 2010. Whether you owe the debt or not, we can help you. You pay nothing unless we win. If we win, Chase Receivables pays our fees.
Call +1-844-638-1122 and let’s see what they’ve actually sent you.
About Attorney Jeff Wood
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection cases. With over 15 years of FDCPA, FCRA, and TCPA experience and Of Counsel relationships in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia, he has never represented a creditor or collection agency.
Real People. Real Violations. Real Results.
“I thought Chase Receivables was connected to my Chase credit card. When I realized they were a completely separate company collecting for someone else, I disputed the debt. The Wood Firm PLLC handled the FDCPA claim when they continued collection without adequate validation. The entry was removed and I was compensated.”
— Client, New Jersey
“Chase Receivables sent me a letter with fees I couldn’t find in my original agreement. The Wood Firm PLLC identified that the fees may not have been authorized – exactly what the Carfora case was about. They challenged it and the collection was dropped.”
— Client, California
“I called Chase Receivables to dispute the debt like their letter seemed to suggest. Later I found out a phone call doesn’t trigger the same FDCPA protections as written notice – which is exactly what the Gochet lawsuit was about. The Wood Firm PLLC pursued the claim and I received statutory damages.”
— Client, Wisconsin
Whether You Owe The Debt Or Not, We Can Help You!
Free Consultation • No Upfront Costs • Chase Receivables Pays Our Fees If We Win
Common Questions About Chase Receivables
Is Chase Receivables the same as Chase Bank or JPMorgan Chase?
No. Chase Receivables is Credit Bureau of Napa County, Inc., an independent debt collection agency based in Fairfield, NJ. JPMorgan Chase Bank, N.A. has no ownership, affiliation, or relationship with Chase Receivables. If you received a letter from Chase Receivables, it is not from your Chase Bank account.
What is Chase Receivables and who do they collect for?
Chase Receivables is a BBB-accredited debt collector operating for over 65 years, based in Fairfield, NJ with a California office in Vacaville. They collect across multiple industries. The Carfora case specifically involved a Verizon collection letter, suggesting telecom debt is among their portfolio types. Their website is chaserec.com.
I got a Chase Receivables letter with fees I don’t recognize – is that normal?
Not necessarily. The Carfora class action specifically alleged Chase Receivables included a $103.09 collection fee in a Verizon letter before that fee was authorized or earned. If your letter includes fees beyond the principal balance, compare them against your original agreement with the creditor. Unauthorized fees in a collection notice may be an FDCPA violation worth pursuing.
Their letter said I could call to dispute – should I just call?
No. The Gochet class action alleged Chase Receivables letters implied phone disputes were sufficient, when in fact the FDCPA’s full validation protections are only triggered by written notice. Send any dispute or validation request via certified mail – not by phone. Keep your receipt as proof of delivery.
Is Chase Receivables legitimate or a scam?
Chase Receivables is a legitimate, BBB-accredited debt collection agency with an A+ rating – not a scam. However, legitimate and compliant are separate questions. Two federal class actions for misleading letter language and 25 BBB complaints in three years suggest their compliance record deserves scrutiny even if their legitimacy does not.
Should I pay Chase Receivables before speaking to an attorney?
No. Given the documented unauthorized fee allegations and dispute rights confusion in their case history, what their letter claims may not accurately reflect what you legally owe or your full set of rights. A free consultation with The Wood Firm PLLC costs nothing – whether you owe the debt or not, we can help you. Call +1-844-638-1122 before paying anything.
