Flirtykumquat

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About Flirtykumquat

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  1. What has happened since. I am dealing with them as well and also in FL
  2. I received a Pre Legal Notice from Credit Corp Solutions. This is my first and only communication with them. The account in question doesn’t appear on my credit report nor does the collection. The original creditor is Synchrony Bank/Care Credit and I believe was charged off in 2017/2018 what should I do?
  3. What are you talking about Harry? I am trying to get information? The previous person just told me to file a motion to compel not arbitration since I'm in Florida. I am trying to get an understanding. I'm sorry if something that comes easy to you isn't easy for others
  4. Midland finding in the last 2 months showed up as a collection account on my credit report. Yesterday I received a final pre legal notification. I'm in Florida. The original debt of with Old Navy through Synchrony bank. I heard something about I can elect arbitration if they decide to sue me. but I just don't understand. Can someone help me please
  5. I just got this from Experian. It says closed. What does this mean for the account?
  6. Per my Credit Karma today Midland funding is reporting a collection on my account for a Synchrony account. I am assuming its the same account they sent me a "pre-legal" document for. Under the remarks it states, "account information disputed by consumer meets FCRA requirements) Is there anyway to remove collections or is my only option to settle with them?
  7. I found this online. I had an OldNavy Visa card but someone told me its the same agreement since I could use my card at GAP and Banana Republic RESOLVING A DISPUTE WITH ARBITRATION PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT AND PURCHASES, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APP
  8. Yes on this site but I have another post as well. I went on my county's clerk of court website to look at lawsuits from Midland and I see they are attaching a copy that Synchrony sold the debt and a bank statement of the card included with the docket. The card just closed over a year ago so its pretty new but everyone says to file the motion to compel
  9. Yes I am reading that now..I am so confused. I went on my local (Miami Dade county) website and found dockets of cases of Midland and I am just so confused. Then someone told me that if they have a statement that I am unable to do arbitration
  10. How did the validate it though? They just said the dispute is valid. What should I do to prepare for the next steps
  11. In summer of 2018 I received a pre legal notification from Midland Funding (Synchrony bank old navy) I sent a debt validation notice. I received another letter dated 12-12-18 that says we have received and processed your dispute and that is it correct and will update all 3 credit bureaus. Attached to the letter is a very informal plain white people that "appears" Synchrony said that my account was sold to Midland. They need to hear from me by 4-22-19 or they "may" proceed with forwarding to an attorney. According to Credit Karma the last payment was made on 2/9/18 but the account was cl
  12. I did pull credit reports and it does NOT show any collection account. However 2 of my accounts (both synchrony) say collection.
  13. No it did not. But I was told by others on this forum to send a debt validation letter on my own.