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CB Banks First USA NA

The good, the bad, and the ugly - discover what customers are saying about First USA NA

Welcome to our customer reviews and complaints page for First USA NA. We understand that making informed decisions about where to invest your time and money can be challenging, which is why we've created this platform for our community to share their honest feedback about their experiences with First USA NA.

On this page, you'll find a comprehensive collection of reviews and complaints from real customers who have used First USA NA's products or services. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service.

Whether you're considering doing business with First USA NA, or you've already had an experience with them, our community's reviews and complaints will give you a valuable perspective on what to expect. Our goal is to help you make informed decisions about where to invest your time and money, and we hope that our platform will be a valuable resource for you.

Please feel free to browse our reviews and complaints and share your own experience with First USA NA. Your feedback is an important part of our community and will help others make informed decisions.

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12:27 pm EST
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First USA NA Unauthorized credit inquiries

First USA has run 8 unauthorized credit inquiries on me in the past 12 months. Who are they and why are they doing this? I have seen allot of other inquiries on several websites about them doing this to many other people It has hurt my credit rating. I have not applied for a credit card or loan.
They did it as recent as Jan 2010

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Kristen Rotramel
Chester, US
Nov 19, 2010 8:01 pm EST

Equifax alerted me to your company inquiring into my credit file with out authorization from me. (Kristen Rotramel)

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Ryan S
Cranberry Township, US
Mar 23, 2010 8:02 am EDT

This MF'in company ran credit checks on me without my approval while I was buying a house. It didnt affect anything but I am jacked they did it. Do we have any recourse? Class action lawsuit for the people who it actually affected may be in order. I dont even know if that is possible but this is ridiculous and I wish epic failure on this Fisrt USA NA company.

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chuckjw
, US
Jan 17, 2011 5:08 pm EST

First USA is a credit card company that was bought by Bank One and then bought by Chase Bank. If you're seeing it on your credit report it's probably because you applied for a credit card or a credit card increase. The first number listed at top of page by modcuff is actually an individual's cel phone number. I didn't try the 800 numbers but I assume they are correct.

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Michigan1977
Jackson, US
Mar 27, 2010 2:54 pm EDT

First USA is a credit card company.

We pay do get online access to all 3 of the credit reports - as much as we want. We get an update every month.

We had the same problem a few years ago but with a different credit card company (CITI). They would check our credit report EVERY month. We did not initiate or approve their inquiries.

I called one of the credit reporting companies and finally figured out what was going on. The reporting company said the credit card was making "soft inquires" and were not "hard inquiries". The card company was checking on how good our credit was and then they would send us offers for a credit card - ever month.

The credit reporting company said the credit card companies can access your account for a "soft inquiry" any time they want IF they, or any one of their cards, or affiliate card companies, had financed something we purchased.
BUT
It can be stopped by notifying ALL 3 reporting companies (TransUnion, etc) to bar ANY "soft inquiries" about your credit.
The “hits” did stop.

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creditcleaner
Northport, US
Feb 18, 2010 11:52 am EST

First USA NA is a credit company. They sometimes purchase debt from other creditors and then try to collect on the debt. If you received a credit card and have a collection they might be reviewing your credit to locate you. This is just one possibility that happens frequently. Their contact info is:
FIRST USA BANK 900 N MARKET ST, WILMINGTON DE [protected]-4000
FIRST USA BANK 900 N MARKET ST, WILMINGTON DE [protected]
FIRST USA BANK N A 1001 JEFFERSON PLAZA, WILMINGTON, DE [protected]

If you need help with resolving debts with them we regularly negotiate and settle debts to 50-60% of the balance. Go to www.CreditCleaners.Net

Best wishes to you.

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8:18 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

First USA NA Checking Credit W/O my approval

We are trying to refinance our house. The bank we are going through told me that some one did a credit check. They wanted to know why it was done and if any new debt was established. I just googled First USA N/A and came across the complaint site about this bank. Is there anything that I can do to find out why they did this and any action I can take against them? Or how I can make sure this does not happen again? I did not know who these people are and I still have no idea. This happened the week of January 1, 2010.

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venckus
Palos Hills, US
Dec 07, 2009 11:32 am EST

Can someone please help me with First USA NA credit inquiries? Who are these guys? I have 4 hard inquiries on my TU report.

Thank you,

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Michigan1977
Jackson, US
Mar 27, 2010 3:01 pm EDT

First USA is a credit card company.

We pay to get online access to all 3 of the credit reports - as much as we want. We get an update every month.

We had the same problem a few years ago but with a different credit card company (CITI). They would check our credit report EVERY month. We did not initiate or approve their inquiries.

I called one of the credit reporting companies and finally figured out what was going on. The reporting company said the credit card was making "soft inquires" and were not "hard inquiries". The card company was checking on how good our credit was and then they would send us offers for a credit card - ever month.

The credit reporting company said the credit card companies can access your account for a "soft inquiry" any time they want IF they, or any one of their cards, or affiliate card companies, had financed something we purchased.
BUT
It can be stopped by notifying ALL 3 reporting companies (TransUnion, etc) to bar ANY "soft inquiries" about your credit.
The “hits” did stop.

M
M
Michigan1977
Jackson, US
Mar 27, 2010 2:26 pm EDT

HI,

First USA is a credit card company.

We pay do get online access to all 3 credit reports as much as we want. We get an update every month.

We had the same problem a few years ago but with a different credit card company (CITI). They would check our report EVERY month. We did not initiate or approve their inquiries.

I called one of the credit reporting companies and finally figured out what they were doing. They said they were making "soft inquires" and were not "hard inquiries". The card companies were checking on how good our credit was and then send us credit offers ever month.

The credit reporting company said the credit card companies can access your account for a "soft inquiry" any time they want IF they or any other we might have bought something that was financed with one of their cards of affiliate cards.
BUT
It can be stopped by notifying ALL 3 Reporting companies (TransUnion, etc) to bar ANY "soft inquiries" about your credit.

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M
5:14 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

First USA NA No authorization from consumer

I was alerted by Trans Union just today that an inquiry was made without permission. The information above is correct to the best of my knowledge. I have no clue as to what or why they are looking for. Please advise asap. p, s, experien sent me to your site.

Mary Flynn
[protected]@yahoo.com
[protected]

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Michigan1977
Jackson, US
Mar 27, 2010 3:04 pm EDT

First USA is a credit card company.

We pay to get online access to all 3 of the credit reports - as much as we want. We get an update every month.

We had the same problem a few years ago but with a different credit card company (CITI). They would check our credit report EVERY month. We did not initiate or approve their inquiries.

I called one of the credit reporting companies and finally figured out what was going on. The reporting company said the credit card was making "soft inquires" and were not "hard inquiries". The card company was checking on how good our credit was and then they would send us offers for a credit card - ever month.

The credit reporting company said the credit card companies can access your account for a "soft inquiry" any time they want IF they, or any one of their cards, or affiliate card companies, had financed something we purchased.
BUT
It can be stopped by notifying ALL 3 reporting companies (TransUnion, etc) to bar ANY "soft inquiries" about your credit.
The “hits” did stop.

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rkj131
Coconut Creek, US
Feb 02, 2010 5:27 pm EST

I was advised by Discover Card that there was a change to one or more of my credit reports. To the best of my knowledge I have not authorized a request for copy of my credit report nor requested any kind of change. Please advise.

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8:54 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

First USA NA Unauthorized Credit inquiry

Experian reports the above bank did a credit check on me on 12/21/2009. I did not authorize any such report.

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Michigan1977
Jackson, US
Mar 27, 2010 2:56 pm EDT

First USA is a credit card company.

We pay to get online access to all 3 of the credit reports - as much as we want. We get an update every month.

We had the same problem a few years ago but with a different credit card company (CITI). They would check our credit report EVERY month. We did not initiate or approve their inquiries.

I called one of the credit reporting companies and finally figured out what was going on. The reporting company said the credit card was making "soft inquires" and were not "hard inquiries". The card company was checking on how good our credit was and then they would send us offers for a credit card - ever month.

The credit reporting company said the credit card companies can access your account for a "soft inquiry" any time they want IF they, or any one of their cards, or affiliate card companies, had financed something we purchased.
BUT
It can be stopped by notifying ALL 3 reporting companies (TransUnion, etc) to bar ANY "soft inquiries" about your credit.
The “hits” did stop.

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