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Found 7 results

  1. Hi, I am brand new here. Joined to get an answer to something I've wondered about for years. Is it necessary to shred credit card receipts? They only have the last 4 digits of the account, except a few which also spell out the issuer's name. (I'm looking at one that says - in paraphrase - BANK X VISA **********1234. Also, I am a customer of a brokerage firm which sends me statements, confirmations, annual and quarterly reports, and miscellaneous other documents. I tend to keep the statements, throw away confirmations after transactions appear on the statements, and throw out the generic
  2. URGENT ... was notified Friday by an solicitation letter from an attorney of a lawsuit filed by BOA on a defaulted CC ... MUST reply MONDAY ... Please help with reply! 1- This account is in my husbands name and we separated 18 months ago. I'm in Fairfield county, but he is in Franklin. Summons Complaint was filed in Fairfield County. There is no proof of the debt attached as in a signed agreement, etc ? ..... Any options you can offer GREATLY appreciated ! If you are inquiring about a lawsuit in which you are the defendant (ie you are being sued), you need to answer the f
  3. http://www.nycourts.gov/JUDGES/ConsumerCreditManual.pdf If you're involved in a consumer credit case in NY, click on the above link. It's got lots of updated info re: obligations of plaintiffs & defendant in cc cases in NY.
  4. Not sure what the correct group to post this is because it could go anywhere.... I'll apologize in advance for being overly wordy(i ramble lol). Ok, So here's the details: I'm 31 years old, had great credit in my early 20s, then got involved with substance abuse - long story short got addicted to pain medication thanks to an injury as a result from an accident and ended up being a straight up "junkie" - vehicle ended up repod, got divorced, racked up some CC debts, various cable bills/cell phone plans, a major hospital bill, and other debts, and basically skipped out on all of em for years. Th
  5. Hi, A question for my CIC friends: When a credit card issuer does not have typical retail bank operations, but is primarily an issuer of credit cards, and issues a credit card through a standard retail bank, who is the proper reporting entity listed on a credit report? For example, lets say First National Bank of Omaha (who has no retail locations) issues all credit cards for First Community Bank (who has retail locations), who is the proper party to be reporting on a credit report? Thank you.
  6. I've had a credit card account with CapOne for several years. Recently, CapOne purchased a completely separate credit card account I had through Orchard Bank. CapOne charges me an annual membership fee. Orchard Bank also charged me an annual membership fee. When I received notice that CapOne was in the process of purchasing my account from Orchard Bank, I called and requested that they combine the two accounts into one credit line since they would now be handling both. I was told no, that it wasn't possible to combine them. Two separate accounts with the same company didn't make much sense to
  7. Hi, Last year, American Banker ran a story about improper tactics being used by Chase in their credit card collection division, including "robo signing" Affidavits and filing invalid or unsubstantiated lawsuits. Please see: http://www.americanbanker.com/issues/177_49/chase-credit-cards-collections-occ-probe-linda-almonte-1047437-1.html?zkPrintable=1&nopagination=1 Last month, the Wall Street Journal and Rolling Stone ran updated stories that confirm that the Office of the Comptroller of the Currency is investigating Chase on this issue. Please see: http://www.rollingstone.com/polit