Bellona Posted August 11, 2019 Report Share Posted August 11, 2019 My husband had a credit card with Credit One Bank, couldn’t make the min. payments anymore because he worked for my company which was financially defrauded twice in 2015. I contacted Credit One by phone, followed up with a Company letter stating what had happened, included the FBI, FTC and several other report numbers, informed them that we both (I had a cc also) couldn’t make the payments for several months, that I may lose my business. Credit One wrote back, they didn’t have a program for hardship times and for me to get help from nonprofit organizations. Soon later I noticed that we had credit protection with Credit One for up to 6 month, where the protection would take over and make the min payments, late payments and membership payments were waived. I wrote Credit One how disappointed I was that they sent me to nonprofit agencies when I had insurance with them, for them to apply the insurance for the six months, close both accounts and to send me the ending statements with any paperwork I needed to fill out. I had lost my business. I never heard from them, I lost everything, had to move, they sold our debt with late charges, interest, etc., etc. I received collection letters from May 2016 to January 2019 from 5 different collection agencies, then yesterday I receive this 1 inch package with all the statements which show deductions for credit protection, 5 different „Bill of Sale and Assignment of Accounts from Credit One Bank to X“, none matches the creditors which wrote me letters. On some of the Bill of Sale letters, it states that this is a „charged-off“ Credit-Card Account, others state: The Receivables transferred...were transferred prior to the „charge-off“. They do have the monthly statements, not any of the correspondence from/to Credit One. Prior to filing the Answer and Counterclaim we called the attorney telling him we had insurance, we were willing to settle for something, he really didn’t want to listen. He filed a Motion to dismiss Counterclaim because it fails to state a claim upon which relief can be granted. I have no clue what he is talking about, they filed in Justice Court and I am told if I make a mistake I could get a judgment up to $10k. Any help would be appreciated, thank you. Quote Link to comment Share on other sites More sharing options...
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