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Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.
If it was verified that means the acct is valid and not going anywhere right?
In order to clear up this matter, I would like to see:
Complete account history, including, all statements, records of all activity, payments, collection attempts, and any charges added for collection activity; In short, any and all documentation pertaining to this account
If all this info is sent then the next step would be a PFD?
I am sorry I just don't see giving into their fees that they so graciously added on when the account was closed (when they sent you a letter and told you that your priveliges have ben suspened and the account is closed). EX Over the limit fees for 6 mos in a row at 40.00 a pop and late fees to boot for 6 mos at 35.00 a pop when you only had a limit of 300.00 or 500.00 and that doesn't include the astronomical interest rate they charged at 28% on the WHOLE balance including late fees and over limit fees. I don't mind paying up to the credit limit but they can bite me on their "fees" charged AFTER the account was closed. AND they wrote off the balance and got the money back as a debt venture through whoever.
If you don't respond with the results of the investigation (as is required per the FCRA), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period.
LOL this sounds like you in SICK EM mode This looks like a threat, wouldn't this cause them to retaliate, IE collections even though past SOL because they know it will stay on your CR for 7 MORE years?
LOL this sounds like you in SICK EM mode This looks like a threat, wouldn't this cause them to retaliate, IE collections even though past SOL because they know it will stay on your CR for 7 MORE years?
If all this info is sent then the next step would be a PFD?