Chase Bank Credit Card Debt Class Action Settlement

Class Eligibility

The Settlement Class includes all individuals (i) who maintained a Credit Card Account with CBUSA; (ii) whose account CBUSA charged off and then sold to a Debt Buyer on or after January 1, 2008, and (iii) who post-sale sought and obtained a discharge of the debt as a result of his/her bankruptcy under Chapter 7 of the Bankruptcy Code, through and including the date of the Bankruptcy Court’s preliminary approval of the Settlement.

Estimated Amount


Class members will receive a full refund of the amount paid on an affected Chase Bank credit card account and a pro rata share of the settlement award.

Proof of Purchase


Case Name

Rusty Haynes v. Chase Bank USA NA,
Case No. 18 CV 3307 (VB),

District Court for the Southern District of New York

Case Summary

This lawsuit alleges that Defendant failed to update its credit furnishing for credit card accounts sold to Debt Buyers where the accountholder’s debts were discharged in Chapter 7 bankruptcy after they were sold. As a result, the entry on the accountholder’s credit report associated with the account (or “tradeline”) continued to reflect that the debts were sold, charged off, and $0 balance, and did not indicate that the debts were included or discharged in bankruptcy.

Based on these allegations, Plaintiff claims that Defendant’s credit furnishing practices have harmed consumers by adversely affecting their ability to get credit. Plaintiff also alleges that Defendant’s credit furnishing practices have pressured some consumers into paying those discharged debts because they feared that not doing so would negatively impact the perception of their creditworthiness to prospective creditors and employers.
Defendant denies any and all allegations of wrongdoing and does not admit or concede any actual or potential fault, wrongdoing, or liability in connection with any facts or claims that have been or could have been alleged in this lawsuit or in any similar action. Defendant denies that it attempted to collect discharged debts or otherwise violated bankruptcy discharge injunctions.

Settlement Pool





Haynes v. Chase Settlement Administrator

c/o Rust Consulting Inc. – 6032

PO Box 44

Minneapolis, MN 55440-0044