A few months back, I got a TC alert indicating a change to my Experian and sure enough it was a collection placed by NCS. Looking at the trade line it says:
Credit limit: $35
Recent Balance: $218
Reported 01/2009
Opened: 12/2008
blah, blah, blah.
I call the number and I get a really snotty attitude from some young sounding girl violating all the rules of collections and passing me on to a supervisor who basically reiterated the same nonsense and offered no assistance. The two were completely clueless as to how to professionally resolve the matter even when I indicated the account was fraudulently obtained. The only information I pried from them was the DOFD was some time in 2003. In PA the SOL would expire in 2010. I received no 'dunning' notice or any other communication except for the TC alert. I disputed the account with Experian and as I expected, the account came back verified. Rinse, repeat. Verified as accurate again. I almost let it go because the account will remain on my EX report until 08/2010. Fine.
I was on a mini app. spree and applied for a Citi Plat. Select. I expected a decent CL considering the other store cards serviced by Citi, healthy 700+ scores for TU and EQ, and strong payment history. I was offered a mere $1800 limit and a whopping 18.99% rate. Furious, I asked what bureau they pulled, lo and behold it was EX and the collection was the reason for the poor offer and terms. Now I'm pretty pi$$ed because I wasted a hard and I've got a pretty worthless card to boot.
I then proceed to file a complaint with the BBB. About 10 days later I get a response from them with an enclose 'dunning' notice from NCS with itemized charges totaling $30.90. The letter is addressed to my at my current address however, they have on letter in boldface type: Last Known Billing Address Debtor (then my previous address). Is this their way of getting out of the dunning notice requirement??? I moved from the previous address 6 months earlier and had all mail forwarded and guess what? That's right kids, NO NOTICE FROM NCS!!!
Fast forward again to 3 days ago. I get yet another TC alert telling me that there has been another collection added to my EX report! I check the report and it is another NCS collection account this time in the amount of $48 with a recent balance of $174 as of 07/2009. Date opened 02/2009 and reported 07/2009. They have my current address as a result of the BBB complaint so why have I NEVER RECEIVED A DUNNING NOTICE?!
I am absolutely livid but I have not contacted the CA. I am raging as I write this post. I really need help to get this taken care of. I read another thread about a similar instance of NCS collection fraud, but there isn't any solution as of yet. What do I do? I've worked really hard to secure my good credit but now it is threatened by the unscrupulous practices of NCS.
Help please!
Message Edited by MrShush on 08-12-2009 10:51 AM
