1 reply to this topic

[fishez4alivin]

Back in 2006 a friend of mine had a checking account with BoA. Evidently, a so called friend, used her debit card to rent a car, and never returned the car to the original rental office. I forget how much later, but the car was eventually found in SoCal, and the rental company stuck her with over 2K for the rental. At the time, she had a few hundred dollars in the account, then one day it showed 2K in the red. She had no way of paying that off, and started using check cashing places to cash her payroll checks. Recently, I told her to go to the US Bank locally, I had a friend who was going thru a divorce, get an account no problem, even though he was in CS. She applied, and got denied, because CS had her reported for fraud. The question is this, after all these years, how can she dispute it? Or does she just wait until it falls off the report? TIA

[joeydtx]

I would wonder why she didn't try to file legal action or get her friend to pay back that money when it first happened.

Aside from that though,

I would tell her to request her free report from Chexsystem, Telecheck, and EWS just to cover all the bases and see what is being reported and when it was reported.

Since it is 2006, it may be on the verge of falling off as Chexs is 5 years, but EWS is 7 I believe. After she gets the reports, I would think it be best bet to find a bank/CU that runs telecheck or maybe just a credit report. Give her zip/city, st so maybe MCA can find something.

Far as disputing that mess though, my opinion it be very hard since it sounds like they didn't do anything in the first place and now 5ish years later would be mute. If they did though, maybe there is a chance, just needs more details.

~JD