How can I find if really joint account

[oldrocker]

How does the account show on your credit report? If you are an authorized user it will say that.

[alironz]

I did not make myself clear. My Dad opened the account and also asked for a card in my name at a later date. I did use the account. When my Dad died I called Chase and they said this was a joint account. I asked for proof and received a reply that it was done over the phone. Since Chase insists it was a joint account they put my name as primary. When I call I get transferred to fraud, customer service and supervisor and they all insist I have to pay. I have in writing from them that this was done by my father over the phone. I never signed anything and believe I am authorized user.

[Flamingo]

From what I can gather from your posting, your father was the initial account holder and at some point put your name on the account without your knowledge. If your father is deceased that account has to be closed out and Chase notified of the situation and your father's estate would have been responsible for any amount due on that account. No bank can just remove a deceased cardholders name and put another name on the account. Contact a supervisor or manager at Chase and tell them you need someone to clearly listen to your situation as something is definately wrong. Also, get a copy of your fathers short certificate from the executor of his estate or from the Register of Wills in the county in which he resided when he passed away and get a copy to Chase.

[alironz]

Chase says account was joint account with my father. I say I never signed to be joint user and they said my Dad did it over the phone. My Dad is deceased and Chase put my name as primary. I have repeatedly said I want proof that I was ever a joint holder and they are now ignoring my requests for proof. I have been making payments but do not believe I am other than authorized user. What can I do?