@Anonymous wrote:That's horrible, officer, sorry that happened. I don't think these agencies that retain data do much in terms of verifying they have the correct person. For almost 2 years I had another person's address popping up periodically on my EQ, and I didn't even know that person - somehow made it on there because he had the same last name. Great quality control.
I hope Gregg is ok and this gets resolved.
Thank you! And I agree 100%. It's almost like if they have 3 files that one might mention a pink elephant, another just says elephant and the third mentions an elephant trainer....they assume they are all related because all 3 mention elephant and link them all together. Their quality seems to borderline neglient and criminal. I'm sorry you seem to be having similar issues with the address thing.
@tamaralig wrote:
@Anonymous wrote:Now that I know LexisNexis is guilty of. They were the reason our insurance on our home went up after the original quote. They claimed that we had muiltiple hail damage claims and come to find out it was not us. It was my DH moms house and because he used that address until we bought our house it went in his report as multiple claims. No amount of explaining did anything. Good thing she has the same insurance company we have, they had to straighten it out and I believe that only happened because we were friends with the agent. Same thing happened with our car insurance. Had claims on there and wrong annual mileage on a practically new truck. OP I hope everything works out I know with all of the hard work I've put in for the last year I would be knocking on Cap1 main office doors.
I burned up the phone line LexisNexis so much I think they finally blocked my phone number......so I used *67 and kept calling anyways. Now I call them about every 6 months just to give them a hard time 
WOW Gregg, sorry to hear that! I'd say get them PIF, sock drawer them if you want and move to a better card if you want. CC companies are a weird bird sometimes.
@Anonymous wrote:Gregg, I am so glad you checked back in with us, but sad for the outcome.
You can be very proud that you helped a member of your family, and that was a very kind thing to do. No action by a financial entity can take away from your good deeds and your good heart. You've been a wonderful myfico forum member, so helpful to us all, and you are well respected here. Many hugs, my friend. You will come through this with flying colors.
+1 Agreed!!
First off, I'd like to publicly thank G for helping me in PMs(no, not with PMS). I think he may have been the first person I reached out to for help, as I told him, because he seemed so approachable. Your write up on the update was highly commendable, for what you must have been feeling at the time, and a number of folks have already expressed their gratitude that you didn't leave them hanging, like that other thread that was hyperlinked in here, or to a lesser extent, the Comenity alert thread. 
(too soon to joke? I know you like to keep things light)
Your writing technique was also good, even in your darkest hour. I particularly appreciated "Lola"(lol...uh), and that you wrote in twist and turns like an episode of NBC's Dateline(which my father says almost always turns out guilty, as a side note), to the point where I think I thought I read a good outcome, but was tricked, at least once! (for remote viewers, I am not busting his chops, I found the write up very well done, and refreshing after reading so many pages in this thread). G, you have a way of creating mega-popular/speculation-inducing threads lately! If nothing else, you could take some pride knowing the following you have here!
The simplest way to put it, is that you helped the heck out of your brother in exchange for your cards, and I believe you when you say you'd have done it again(which I interpet to mean even if you had known this would happen). I'm not sure if more than a tiny percentage of people outside of these type of boards(which are a bit cult like if we are to be honest) would understand the full extent of you losing those cards, especially taking into consideration all youve been through.
As others have said, you have some choices, and should be in a position to bounce back. I know re-upping with cap1 would cause anyone to have to swallow a great deal of pride in this situation, and would also leave the cloud of the possibility of future AA looming. Trust can be a hard thing to regain, and to me it didn't sound like cap1 one cared overly much about doing so.
I really hope the best for you with this situation, and (possibly selfishly) am hoping you keep us updated. I don't know about you, but I likely would have gone back to the bottle if this happened to me. I truly hope you can find solace in seeing the outpouring of support from people who truly care about you! If jealousy wasn't a sin I might be having some right now! For everything there is a season, but I'd rather not allow you to make the mistake I've made of mourning for too long. I think youre too good for that, and life seems adept at giving people challenges they can handle, whether they rise to the occasion or not. A GOOD sleep sometimes can make the world feel different the next day, whether I drank a lot to bring it on, or not. I hope when you awake you feel better, and your mind thinks about other things so that you can sense a bit or normalcy before falling back into this mental trap. I know this sucks, and I can appreciate it to an extent, but it's up to you wha you wish to focus on. As I write this, it occurs to me my subconscious may be writing half of what I write for me to read as well. I hope you are feeling better after it's had time to sink in, and you've had time to adjust, and possibly plan your attack to mitigate the losses and continue your credit journey.
And on a different note:
To be fair to the new board villain, bodyboy1, he brought up a number of valid points. I myself have, including recently, said things where the content was ok, but the delivery wasn't too favorable. Some may see that as the case here. From a Darwinian standpoint where it's the science of survival instead of emotion and tradition/manners, BB1 seems quite solid. I say this even though the guy was adamant I sign up for some Comenity cards last week(which I may or may not have done, with the SCT), a couple of days before he started a thread saying he closed his! To me, that was more scandalous than this(and maybe even Kim Kardashian's activities for the day). I found myself a bit perplexed about that, but this current message, on its own, bears merit. Count the number of times more major details were added that made a perplexing story suddenly make a lot more sense. That's what BB1 was getting at, as well as speaking his own truth that nobody else could speak for him. I don't know, I respect that and kind of admire the spunk, if not the exact manner he laid it out.
His admonishments for G dn't necessarily have to be taken in a bad way. Should we automatically assume he, in his own way, wasn't trying to help with his warnings? They may be off base(if other lenders aren't privy to the reasons for the closures), but even if so, it doesn't necessarily mean he had any ill will(or didn't, for that matter).
At any rate, if anyone disagrees that a large portion of his logic was sound, please let me know. And this is completely ON topic, for the faint of heart. The ability to think critically is dangerously low in this society, and that's why we allow government to do what it does, and fail to question the official story even when it's absurd. If we stick to the facts, BB1 didn't vall anybody any names, yet he got some called at him, which I dont think was necessary. I dont recall who it was, nor do I wish to, as I prefer to leave folks with a clean slate when I can, instead of burning bridges like I have in the past. It isn't logical to try to correct BB1 by showing him worse examples than what he did, even if his logic turned out to be less sound than I thought after reading this epic-length thread mostly in one sittiting.
I may be partially playing devil's advocate here, but I don't really see BB1 as the devil after this, and I hope that my rambling helped at least one person to reevaluate based on a new perspective. If people would rather see me be critical of him, I suppose I can if you really want. I wish he'd back down less, with the "happy holidays" exit. And what's with using that PC term anyhow? Merry Christmas BB1!
While I'm here, I'm going to own any typing errors and chalk them up to a number of things including lack of sleep, but not blame them on some super expensive device I'm covertly advertising for free. Have I left anyone unoffended? 
I guess I have, the bankers. There were multiple ways they could have handled this situation differently. As it was, it was completely amateur hour down to the very notes they could have left in the system to prevent all of the confusion, unless the 5 minute holds were more like huddles and/or for show.
