JoeDirtPharmD Posted March 3, 2005 Report Share Posted March 3, 2005 I had an chargeoff occur that occured after the bankruptcy - then they bent belly-up. I disputed, they disappeared. This was in 2003Today they just reappeared on my Experian as an active chargeoff.I'm just bent. There is no other word to describe it. My report on Experian was *almost* clean, too.Anyone else having mystery re-appears with FCNB? Link to comment Share on other sites More sharing options...
JoeDirtPharmD Posted March 3, 2005 Author Report Share Posted March 3, 2005 Just read over on 'that other site' that someone had the same problem today.UGH!!!!!!!!!!!!!!!It's got a Nebraska address on it - which means FNBO prolly took it over. Wonderful LOL - I'm gonna have to go thru the forums to remember how to tackle a ChargeOff...Lists as:Address: 1620 DODGE ST OMAHA, NE 68102 4023410500 Account Number: XXXXXXXXXXXXXXXXXXX.... Status: Account charged off/Past due 180 days. $1,XXX written off. $1,XXXpast due as of 2-2005.Date Opened: 05/2001 Type: Revolving Credit Limit: $1,XXX Date of Status: 06/2003Terms: NAHigh Balance: $1,XXX Reported Since: 05/2001Monthly Payment: $0Recent Balance: $1,XXXLast Reported Date: 02/2005Responsibility: IndividualRecent Payment: $0 Account History: Charge Off as of 6-2003 to 2-2005 180 days as of 5-2003 150 days as of 4-2003 120 days as of 3-2003 90 days as of 2-2003 60 days as of 1-2003 30 days as of 12-2002 Link to comment Share on other sites More sharing options...
nativechild48 Posted March 3, 2005 Report Share Posted March 3, 2005 FYI I read that the First National Bank of Omaha bought some of these acct. receivables last month from the receivorship, so cardservices does not handle those accts. that have been sold or delinquent. Link to comment Share on other sites More sharing options...
KentWA Posted March 3, 2005 Report Share Posted March 3, 2005 I am sure they have Zero records to validate with also. Link to comment Share on other sites More sharing options...
workinninetofive Posted March 3, 2005 Report Share Posted March 3, 2005 I read the same thing. I bet they don't have crap.If I were you, I'd switch those sombreros.. LOL. Link to comment Share on other sites More sharing options...
Champion80 Posted March 3, 2005 Report Share Posted March 3, 2005 Do they have your current address? If they didnt sent a re-insertion letter you have a violation right off the bat..thoughts?? Link to comment Share on other sites More sharing options...
JoeDirtPharmD Posted March 3, 2005 Author Report Share Posted March 3, 2005 You know - I thought about that. I originally had this deleted a couple years ago - without incident. I have since moved.So...................... it IS reinsertion because it WAS deleted at one point, and Experian certainly has my new address, so....I already initiated a dispute - and I might try the 'reinsertion' avenue also. I guess I'll just sit on my hands until it gets deleted or FNBO verifies it.Thank God I closed on my refi yesterday morning and they pulled the credit the morning before that (sans FCNB). I better go buy a lotto ticket Link to comment Share on other sites More sharing options...
wunderwoman Posted March 3, 2005 Report Share Posted March 3, 2005 Talk about the gods looking out for you! You betta let me know what numbers you play! Link to comment Share on other sites More sharing options...
JoeDirtPharmD Posted March 9, 2005 Author Report Share Posted March 9, 2005 Verified today...Now what? I guess I shoot a Reinsertion Letter to Experian and, uh, tackle this CO with whomever, tho I really dunno how to do that - I'm a n00b with CO's...Since they bought the debt, i guess that makes them a CA rather than teh OC on this dealio, eh? Link to comment Share on other sites More sharing options...
smogtek Posted March 9, 2005 Report Share Posted March 9, 2005 Joe,I'd go the "re-insert w/o 5-day notice" route.I had one recently come back on EQ after TWO YEARS! CA even tried using a slightly different account number on it.I contacted my "special handling" rep at EQ and although they "didn't see it as a re-insertion", they deleted it anyways.Good luck,Matt Link to comment Share on other sites More sharing options...
DocPC Posted March 9, 2005 Report Share Posted March 9, 2005 Pay your bills, LOSER!!!!!! If you had it deleted because you disputed, you DO need to send a re-insertion letter. Link to comment Share on other sites More sharing options...
JoeDirtPharmD Posted March 9, 2005 Author Report Share Posted March 9, 2005 Well - after a thrilling 20-minute hold, I no sooner gave the rep my name, she replied, "Sir, your file is being maintained by Lisa in our Special Services Dept. - you will need to contact her."ghey.So.. reinsertion it is, and Special Services I shall... Link to comment Share on other sites More sharing options...
JoeDirtPharmD Posted March 9, 2005 Author Report Share Posted March 9, 2005 Come to think of it - it was 2 years.. Sept 2003... when they deleted. Link to comment Share on other sites More sharing options...
mason Posted March 9, 2005 Report Share Posted March 9, 2005 FYI I read that the First National Bank of Omaha bought some of these acct. receivables last month from the receivorship, so cardservices does not handle those accts. that have been sold or delinquent. Couldn't this fall under the FDCPA then, since they aren't the "oc", they bought the debt, just like a ca would...Hi Joe ! <waving> Link to comment Share on other sites More sharing options...
smogtek Posted March 10, 2005 Report Share Posted March 10, 2005 Yep! That's why ya gotta keep all those OLD reports archived somewhere.Just in case!I've got so many, I can't stand it. I'd like to shred 'em, but I think I'll just have to scan a few at a time onto my hard drive or, better yet, a memory stick that I can stick in a safe somewhere.Matt Link to comment Share on other sites More sharing options...
JoeDirtPharmD Posted June 28, 2005 Author Report Share Posted June 28, 2005 Well - back on the 'repair' bandwagon - this FCNB CO is gonna be a ballbuster, I imagine.So - apparently there was no reinsertion at stake - the TL disappeared on its own accord then repared as mentioned above. Magically verified by EX in two days.So.. thinking I should DV them? The debt is well within the SOL, but oh well... I can't sit on this pig for 5 more years.Anyone have a contact addy/phone number for them? Push comes to shove, I'll try to buy these folks off...Anyone else have any recent activity with FCNB/FNBO? Link to comment Share on other sites More sharing options...
admin Posted June 28, 2005 Report Share Posted June 28, 2005 FCNB is out of business. I would seriously challenge any "debt verification" by the bureaus. Find out who they called, and point out the company is no longer around. Link to comment Share on other sites More sharing options...
JoeDirtPharmD Posted June 29, 2005 Author Report Share Posted June 29, 2005 Got my fav person in the special services department - states that FNBO verified the debt.Me: "I disputed via the website on Friday evening.."Her: "Uh huh.."Me: "I got an email response Sunday evening stating the item had been verified"Her: "Correct"Me: "But... how? I mean - that seems a bit incredible that a debt of which I am unaware is verified in 2 days - on a weekend nonetheless"Her: "We do everything electronically nowadays - expedites the process"The conversation was really nonproductive after that point, but she maintains they received a response from FNBO regarding this CO.Blah... Link to comment Share on other sites More sharing options...
Recommended Posts