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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 reports and other docs not related specifically to my account. Before throwing things out, I shred anything with my account number, but I haven't been shredding the ones that are generic and don't have my account number. But should I shred those also? They have my name and address (for purpose of mailing in a window envelope. ) Note that I tried to set them up for electronic delivery, but it never worked to eliminate the paper mail. Thanks for any help!
  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 following questions (as much as possible): 1. Who is the named plaintiff in the suit? BANK OF AMERICA 2. What is the name of the law firm handling the suit. LEVY & ASSOCIATES, LLC 3. How much are you being sued for? $9057.00 4. Who is the original creditor? BANK OF AMERICA 5. How do you know you are being sued? ATTORNEY SOLICITATION LETTER, NOT SERVED CERTIFIED MAIL 6. How were you served? NO SERVICE ??? 7. Was the service legal as required by your state? NOT SURE. COMPLAINT DOES SAY IF NOT SERVED CERTIFIED BY POSTAL, TO SUBMIT ORDINARY MAIL ???? NEVER GOT IT THOUGH Process Service Requirements by State - Summons Complaint 8. What was your correspondence (if any) with the people suing you before you think you were being sued? NONE 9. What state and county do you live in? OHIO, FRANKLIN 10. When is the last time you paid on this account? Approx Jan, 2015 11. What is the SOL on the debt? To find out: I believe 6 YEARS Statute of Limitations on Debts 12. What is the status of your case? Suit served? Motions filed? COMPLAINT FILED BY PLANTIFF - WE MUST REPLY ????? 13. Have you disputed the debt with the credit bureaus NO. First we knew of this agency 14. Did you request debt validation before the suit was filed? NO 15. How long do you have to respond to the suit? (This should be in your paperwork). WE HAD 28 DAYS. TO ANSWER COMPLAINT Here is an example of what the summons/complaint may look like: Sued by a Debt Collector - Learn How to Fight Debt Lawsuits 16. What evidence did they send with the summons? COMPLAINT SIGNED BY ATTORNEY, COPY OF A JAN, 2016 BOA CC STATEMENT.
  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. The Happy ending to my story is I'm almost 3 years clean, Have a good job now, Have a car which I've made on time payments on for just under a year, checking account/savings account, and have started the very long process of trying to dig my way out of the hole I've dug by trying to pay off some of my debts by negotiating settlements with CAs and paying lump sums(best deal I've managed to negotiate so far is $287 of a $787 debt). The bad part is that while I've [aid off a few things I'm still ridiculously deep in debt(If I include student loans which I know I'm never going to be able to ditchI'm probably $40k+ in debt, without student loans It's probably 18-20k). My credit score sucks ****(score is 561 according to experian). The majority of my debt's last date of any pmt was 2011-2012(I think I have 2 cell plans going into collections in 2013/14). I don't want to spend 7 more years dealing with no ability to qualify for a Credit card or get an apartment if I declare bankruptcy(although ironically while my credit history with virtually every other service became toxic, as far as apartment rental history goes I have almost 7 years of good standing/lease fulfilled in that regard) nor do I want to suddenly force the burden of repaying my student loans(have both private and federal ones) onto my parents who co-signed them. From what I've been reading the Debt consolidation services out there seem to not actually help my credit score(although it can't get much worse). I've been offered a secured card through a couple of the companies who I have settled debts with as well as USAA, and I'm thinking about opening up at least one with the hopes that They might help rebuild my score(Idk for sure about the CA settlement one, but I know the USAA one stated if I kept a good pymt history they would eventually change the card into and unsecured one, and whatever amount I initially put up would be put into a CD so I'd receive interest during the 2 years it was my "collateral" for the card. My question is what should I do to resuscitate my credit score? Should I go /w the secured cards to open up additional positive lines of credit, or will they end up not doing anything? Continue trying to contact the various CA's that have contacted me(plenty of the debts I haven't heard a peep from in years but just show up on my CR) and keep trying to negotiating settlements myself and paying them off, or go through one of the Debt consolidators? Just wait everything out for another 3 years and accept that I won't be able to get an apartment by myself? Or do I go /w the nuclear option and hit the bankruptcy button? If y'all need to move this topic somewhere else that's fine, I wasn't really sure where it fit best, but figured since I'm focusing on repairing my credit worthiness this thread might be best. Thanks in advance to anyone who can help! Just to summarize: Current Age:31 Current state of residence: TX Debts:40k+(16-20k student loans, 18-20k credit cards/medical/other) Credit score(561) Employed full time, has checking account, savings, Direct deposit, active vehicle loan /insurance /w current pmt history
  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 me, and neither did what I was told next, which was that I would still be required to pay two annual membership fees (one for each account). How could that be? I'm only one "member," after all. Since CapOne was now handling both accounts, why would I have to pay two fees? I went up the usual chain of customer service reps until I finally reached a "boss." I asked him why I couldn't combine my two credit lines since they were now both through CapOne. After all, they're the ones who purchased my account from Orchard Bank. It's not like it was MY idea (I did have the option of closing my account with Orchard when I was notified that CapOne was buying it, of course). The boss told me that this would constitute a practice known as "double dipping," which is illegal. But to me, the consumer, it sure feels like CapOne IS double dipping, and I'm the one being, er, dipped. Two membership fees I have to pay them now? Could someone please explain this to me? Thank you in advance.
  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/politics/blogs/taibblog/chase-made-errors-in-nine-percent-of-credit-card-collection-lawsuits-internal-survey-finds-20130711 I called Chase last week to discuss a long since closed disputed credit card account with their bank. I can say that each Chase representative I spoke with was quite on edge about any collection activity, and repeatedly and in a rather worried fashion asked if I've received any calls from collection agencies. They then went on to promise, without my requesting it, that my disputed account (now 4 years old) would not be sold to a collection agency, and no lawsuit would be filed. The tenor of the conversation was that of a group of people seriously on the defensive. Their defensiveness was not a result of anything I've done since I've sent no recent correspondence to Chase, nor contacted them by phone for several years over this matter until just last week. If you have a credit card dispute, lawsuit, or collection matter with Chase, it's a great time to re-assess your situation. I think Chase is about to be on the receiving end (with other banks?) of government intervention for their misconduct.
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