hckypa0101 Posted February 11, 2022 Report Share Posted February 11, 2022 (edited) Hi all, I am glad to find this site. I hope I can find some advice here on a manner that just arose for me. I am in Pennsylvania by the way. The other day, my wife called me to notify that the two joint banking accounts that we have together at her bank had a $0.00 balance. I immediately called the bank and they gave me contact information to a law firm. I call law firm and they state that they served the bank to place a levy on the joint accounts and they took all funds in both accounts. Thankfully, it wasn't a TON of money, but that is beside the point. The law firm stated that they are collecting a debt from 2008 for a Metris bank. I told them I had no idea what bank that is and I am completely unaware of this so called debt they are claiming. Law firm indicated that it was for a credit card opened in 2005, of which at that time I was just graduating high school and going away to college. I never had a credit card until after I graduated college by the way. Law firm also stated that on October 3, 2008, a Sheriff served me at my home address of which was impossible because I was away at college. They also stated I skipped court in November 2008. I also asked, "Why have I not been contacted about this over the last 14 years?" and their response was "we sent letters to the address you were at in 2008. I told them my home address changed in 2011 and yes, I completed a change of address, updated the DMV, etc. hence why all my "other" mail successfully went to where I moved to. I was told to file a complaint with the Attorney General office as well as the CFPB, which I did. Now I am just sitting here with both joint accounts essentially frozen, money taken out of those accounts, and not knowing what the heck is going on. My questions are as follows: 1. Is what this law firm is doing 100% legal? 2. Doesn't the law firm have a civil duty to contact me regarding this at some point over the 14 years? They never called, e-mailed, or even sent letters to the right address. 3. I was never served anything in October of 2008. 4. Why has this never showed up on my credit report? I bought a house a few years ago, have a car, have good finances, etc. 5. If I was "served" in 2008 and skipped court, shouldn't I see a court Docket on file with the PA judicial system? No such docket/documents exist when I look up my name. All in all, I am very confused, frustrated, and eager to get this resolved ASAP. I do not know if this is a case of identity theft or if this is a scam or what. Any help or advice is greatly appreciated. Thank you!!!! Oh and P.S., Google Reviews of the law firm have it as a 1-star and the reviews people have left are along the lines of "scam artists, rude, trying to intimidate, unethical, etc." Edited February 11, 2022 by hckypa0101 Title Change Quote Link to comment Share on other sites More sharing options...
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