katybaty316 Posted December 1, 2009 Report Share Posted December 1, 2009 In 2007 I opened a joint checking account at Wachovia with my fiance. We overdrew, and as a result acquired a debt. I settled in 2008 after the debt was sold to RJM Acquisitions. The problem is: there was a duplicate debt. It was not the exact amount as the first, but pretty close. I found out about it only after calling them again after not receiving a letter stating my debt was paid. They say that this checking account was opened in 2001- I was barely in high school, and didn't even know my fiance. So, I sent them a debt validation letter as soon as they finally sent me a letter about it- 2 months ago. I have not heard back from them, nor have I received anything about the debt I paid off. Can someone please tell me what I can do to get this off my credit? I can not get a checking account because of this mess. Link to comment Share on other sites More sharing options...
nascar Posted December 1, 2009 Report Share Posted December 1, 2009 If you're not able to get a checking account, it probably isn't because of RJM. Most likely, Wachovia reported the event to ChexSystems and it's ChexSystems that is causing you the problem. Go here to get your free ChexSystems credit report. Link to comment Share on other sites More sharing options...
unusualsuspect Posted December 1, 2009 Report Share Posted December 1, 2009 Go ahead and send RJM a DV letter... also send it to the home addresses of their managing members:NEIL MATTEMANAGER35 RODEO DRSYOSSET,NY 11719SAMIR M SHAHMANAGER35 RODEO DRSYOSSET,NY 11719SCOTT MATTEMANAGER60 NORTHGATE DRSYOSSET,NY 11719I'm willing to bet the account gets dropped like a hot potato.Also dispute with Chexsystems ASAP once you get your report. Link to comment Share on other sites More sharing options...
katybaty316 Posted December 1, 2009 Author Report Share Posted December 1, 2009 I sent RJM a DV 2 months ago- no reply!! @ nascar: I am aware it was reported by Wachovia, but if no one will realize I never opened an account in 2001, what am I supposed to do? And I paid the one debt I really did owe, and never received a confirmation. I had another debt that I paid off, and received a confirmation for that one immediately. It's been over a year since I paid it off. Someone please help! I am at the end of my rope!! Link to comment Share on other sites More sharing options...
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