Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
So I got this settlement offer from Total Card Systems

For a Cap One account I have NEVER had, I have only had 2 and I just closed one (formerly an Orchard), and the other is in perfect standing (sans the customer service but that is another thread). 


Now on top of the fact that I KNOW this is not my debt, AND I saw the SP by Total Card Systems on one of my reports.. get this... the letter states (under the "Manager's Signature" is: "The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sure you for it, and we will not report it to any credit reporting agencies"


um, HUH?


Are they randomly trying to get people to pay debt they KNOW isn't valid?


I am anal retentive about checking my reports many times a month now, for the last 6 years and I have no idea where this came from. Do I still DV this??

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