If you searched “Chase Receivables” expecting something related to JPMorgan Chase Bank, this is worth reading first. Chase Receivables is not Chase Bank. It operates under the legal name Credit Bureau of Napa County, Inc., a separate debt collection agency based in Fairfield, New Jersey with no affiliation to JPMorgan Chase.
Key Takeaways
- Chase Receivables is not Chase Bank. It is Credit Bureau of Napa County, Inc., based in Fairfield, NJ, with no affiliation to JPMorgan Chase.
- The company is BBB accredited with an A+ rating, but has 25 complaints filed over the past three years.
- Some consumers have reported unrecognized fees added to a collection letter beyond the original balance.
- Some consumers have reported letters that appeared to suggest a phone call was enough to dispute a debt, though the FDCPA generally requires a written dispute to trigger full validation protections.
- The Wood Firm PLLC handles these cases on contingency. You pay nothing unless we win.
Free Case Review: +1-844-638-1122
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 an additional office in Vacaville, California. The company has operated for more than 65 years and collects debts across industries including telecommunications, healthcare, and financial services. Its official website is chaserec.com.
Chase Receivables holds a BBB A+ rating with accreditation, which is relatively uncommon for a debt collector. Accreditation generally reflects responsiveness to the BBB rather than a guarantee of federal compliance, so it is worth reading any letter carefully regardless of the rating.
Chase Receivables Contact Information
- Phone: (877) 256-2510 | 877-256-2510 | 8772562510
- Also reported: (866) 855-3970 | (800) 622-0484 | (800) 326-7118 | (800) 851-6003
- Website: chaserec.com
- Headquarters: Fairfield, NJ, with an office in Vacaville, CA
Is Chase Receivables the Same as Chase Bank
No. 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 and checking accounts, has no ownership or affiliation with Chase Receivables. If Chase Receivables is contacting you, consider verifying which original creditor the company claims to represent, since it may have nothing to do with JPMorgan Chase.
Is Chase Receivables a Scam or a Legitimate Company
Yes, Chase Receivables is a legitimate, BBB-accredited collection agency with an A+ rating, not a scam. Legitimate does not automatically mean every practice is compliant. Some consumers have described unrecognized fees and confusion over dispute rights, discussed below, which are worth understanding regardless of the company’s overall rating.
Is Chase Receivables Banned by the FTC
No. Chase Receivables does not appear on any public FTC ban or enforcement action as of this writing. Consumers can still pursue individual FDCPA or FCRA claims, or file a complaint with the CFPB or their state attorney general, regardless of any federal action.
Why Is Chase Receivables Calling or Writing to You
Chase Receivables generally contacts consumers after a creditor assigns or sells a delinquent account for collection. Consumer reviews and complaints describe a few recurring patterns worth being aware of.
- Unrecognized fees. Some consumers have reported a collection letter that included a fee, such as a processing or collection charge, beyond the original balance. If your letter includes any fee like this, consider comparing it against your original agreement with the creditor, since an unauthorized fee may raise FDCPA concerns.
- Confusion over dispute methods. Some consumers have described letters that seemed to suggest a phone call was enough to dispute a debt. The FDCPA generally requires a written dispute to trigger full validation protections, so a phone conversation alone may not carry the same legal weight as a certified mail request.
- Validation difficulties. Some complaints describe difficulty obtaining documentation after a request. Sending any request in writing, and keeping a mailing record, generally strengthens your position either way.
In our practice, we generally recommend putting any request to Chase Receivables in writing rather than relying on a phone call, given the dispute-method confusion some consumers have described.
How to Stop Calls from Chase Receivables
- Request debt validation in writing, not by phone. Send your request by certified mail to the Fairfield, NJ or Vacaville, CA address and keep the receipt, since a written request generally carries stronger legal weight than a phone dispute.
- Check whether any fee in the letter was authorized. Compare any collection, processing, or administrative fee against your original agreement with the creditor.
- Send a cease-and-desist letter if calls continue. A written request by certified mail generally limits further contact to confirming cessation or naming a specific legal action.
- Contact an attorney. Once Chase Receivables has notice of representation, contact generally routes through your attorney. Call +1-844-638-1122.
Chase Receivables Reviews and Complaints
Chase Receivables holds a BBB A+ rating with accreditation, which is uncommon among debt collectors. Its BBB file nonetheless shows 25 complaints over the past three years. Consumer discussions describe recurring themes: representatives who begin politely but escalate, confusion about who owns a debt, and difficulty obtaining written validation.
How to Remove Chase Receivables From Your Credit Report
- If an entry looks inaccurate, dispute it in writing with Equifax, Experian, and TransUnion, and document any discrepancy between the original creditor’s records and what Chase Receivables reported.
- If validation was requested in writing and never provided, reference that gap in your bureau dispute.
- If you decide to pay, negotiate a written deletion agreement from all three bureaus before sending payment.
Inaccurate reporting can support a separate claim under the Fair Credit Reporting Act, in addition to any FDCPA issue.
How The Wood Firm PLLC Helps With Chase Receivables Cases
In our practice, we review whether a Chase Receivables letter included an unauthorized fee, whether it accurately described how to dispute a debt in writing, and whether validation was provided after a proper request. We handle FDCPA, FCRA, and TCPA cases on contingency, so you pay nothing unless we win.
Call +1-844-638-1122 and we can review what the company has actually sent you.
If Chase Receivables is contacting you, visit our contact page to share the details of your situation.
Frequently Asked 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 or affiliation with Chase Receivables.
What is Chase Receivables and who do they collect for
Chase Receivables is a BBB-accredited debt collector that has operated for more than 65 years, based in Fairfield, NJ with a California office in Vacaville. The company collects across multiple industries, including telecommunications and healthcare accounts.
I got a Chase Receivables letter with fees I don’t recognize. Is that normal
Not necessarily. Some consumers have reported fees added to a letter beyond the principal balance. If your letter includes a fee like this, compare it against your original agreement with the creditor, since an unauthorized fee may raise FDCPA concerns.
Their letter said I could call to dispute. Should I just call
Consider sending any dispute or validation request by certified mail instead. Some consumers have described letters that seemed to suggest a phone call was sufficient, but the FDCPA generally requires a written dispute to trigger full validation protections.
Is Chase Receivables legitimate or a scam
Legitimate. Chase Receivables is a BBB-accredited agency with an A+ rating, not a scam. Legitimate and fully compliant are separate questions, and the complaint patterns above are worth understanding regardless of the company’s rating.
Should I pay Chase Receivables before speaking with an attorney
Consider verifying any fees and confirming your dispute rights in writing first. A free consultation with The Wood Firm PLLC costs nothing. Call +1-844-638-1122 before paying anything.
What to Do Next If Chase Receivables Is Contacting You
Verify which original creditor the company represents, and confirm any fees against your own records before paying. If a letter seemed to suggest a phone call was enough to dispute the debt, or included a charge you do not recognize, those patterns are worth a closer look. Call +1-844-638-1122 for a free case review with The Wood Firm PLLC.
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection, handling FDCPA, FCRA, and TCPA cases since 2010. He has never represented a creditor or collection agency. He maintains Of Counsel relationships with attorneys licensed in fourteen states.
