My comment isn't about Chase but about a collection agency from back when I was newly married. I didn't have the money to pay them so I avoided the call til payday. They weren't waiting. They called my neighbor and asked them to give me the message they called after asking them if I was home. They used the reverse address phone book to get their number. I was mad and embarrassed. The neighbors and I both contacted the Better Business Bureau as it was none of my neighbors' business I owed someone money.