Lorian Posted March 6, 2005 Report Share Posted March 6, 2005 :::delivered in a whiney NJ accent:::So...here I am, gloating over the successes I've had so far, right, and I check my TransUnion report. Lo and behold, an entirely NEW negative has shown up. I have never seen nor heard of - let alone authorized - any account with 'Spirit of America National Bank.' (Is that a real bank?) This account appeared out of nowhere; did not exist on any reports since I first began monitoring in Nov/04.:::end whiney tone::: This is listed as a $176.00 charge off (Profit & Loss Write Off) it was opened on 5/99, and is due for deletion on 12/05. I have just composed a lovely letter requesting, per Facta Act of 2004, complete copies of the original signed consumer agreement, address/contact info for the 'consumer' who initiated this account, and any payment history and associated records.Has anyone used a similar request, have you had success/cooperation? If they fail to respond or comply, since the FACTA Act doesn't provide for consumer suit, do I then commence DV and subsequent procedures? Link to comment Share on other sites More sharing options...
HeartRN Posted March 6, 2005 Report Share Posted March 6, 2005 Never heard of them, but in looking around... they're a bank specializing in credit cards. They don't really do traditional banking, so to speak....SOA is a wholly-owned subsidiary of Charming Shoppes, Inc. (CSI) located in Bensalem, Pennsylvania. CSI primarily engages in the operation of specialty women’s apparel retail stores under the trade names of Fashion Bug, Lane Bryant, and Catherine’s Plus Sizes...." Link to comment Share on other sites More sharing options...
mmmagique Posted March 6, 2005 Report Share Posted March 6, 2005 googled them: they are, or were a bank at least in 2003. Not a very good one though, apparantly.They issue the Fashion Bug card. Have you had one of those? Link to comment Share on other sites More sharing options...
HeartRN Posted March 6, 2005 Report Share Posted March 6, 2005 Nope...never had a Fashion Bug!! (I'm not at liberty to discuss the other bugs due to strict enforcement of HIPPA laws) I do remember the stores from my younger years in upstate NY. Link to comment Share on other sites More sharing options...
Lorian Posted March 6, 2005 Author Report Share Posted March 6, 2005 A-ha! Thank YOU - one of the thefts on my report was Fashion Bug, and for that exact same amount. So...what are they doing, relisting that account under a new name? Link to comment Share on other sites More sharing options...
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