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AAA case is filed!!! I really feel like they are running to the court house on this one. The credit report shows DOFD 10-1-2019.

I'm in TX, I had a law firm contact me by mail last month. They represent Crown Asset Management for a Citi card with a $4300 balance. I sent a DV certified within the 30 day window but according to USPS tracking, it is sitting unclaimed. I have a feeling they are stalling the DV so they can file before the SOL. Second question is the last payment was 8/26/2019, a double payment because I missed July 2019 payment. So when does the SOL officially begin?

Well I will owe no one. My cars are getting paid off. My mortgage. and all credit cards. I have a piece of land I want to build a house on when my scores improve but in the mean time "I will be living in a van down by the river".

My utilization is pretty high but i only have 1 card with $5500 limit all others are $2000 or less most are under $1000. Will they bother with these low limits Ive had for 10 years? They have made a fortune off of me.

I have been paying minimums for about a year. I have had no lates or collections in over 10 years so I hope it bounces back pretty quick.

I have some maxed out cards and it has really hurt my scores. We sold our home and have the cash to pay every balance to $0.00 Will this have an immediate impact on scores, or will it take some time? Also is there strategy other than just paying it all off in one day?

I have also discoved a DMV enforcement division for dealer complaints. Anyone heard of this?

A friend in the business told me they probably pulled her credit, shopped her loan, and then had her sign the app with all the other paperwork at the end. When I said blast them I meant throw everything at them. Posting on all consumer websites, I have already filed complaint with BBB and fired off Intent to sue letter. This is not over, they will be paying me to go away.

I need a week to cool off and then I am going on all the consumer websites and blast the dealership. If they did it to us as much as we tried to cover our bases they must be really sticking it to the little old ladies that come in and buy Cadillacs.

I called and set up the deal over the phone told them we are refinancing our home and want to stick with our pre approval and no credit pulls the salesman said send her in I will get her done. She went in with an Interest rate range of 2-8% depending on the car and terms. The salesman accessed Cap one and entered the information (Vin# and price) printed off the form from Cap One and she signed it (cap one said to expect this). Went close the deal and Finance guy said due to the car you are buying cap one came back at 9.5 so we got you into BOA for 7.5 and saved you 2%. She absolutely signed the deal and knew it was 7.5. After getting home and pulling up Cap one dash board and entering Vin and price it said 6%. Monday the Salesman told us Cap one was always 6% and finance was not suppose to change us like that, he got the GM on the phone, GM said I see Cap One 6% but we cannot reverse the deal its too late title and funding are done. Bottom line is she signed the deal, we own that, but they guy was either confused or a con man and either way they should make it right.

I understand that she signed but the guy flat lied to her and today they said "we didnt need to consent to pull her credit because we didnt pull credit" the banks did.

I went round and round with them today and was told they cannot do anything. This is a prominate Cadallac dealership in Dallas. But there is one thing I can do GO ON A SOCIAL MEDIA TIRADE.

We had the same thing happen years ago. We made the mistake of going in and I told them if the paperwork is wrong here are the keys and we will walk. They told us if you leave with the car we will report it stolen and you will be arrested, and if you walk away you will be sued for breach of contract. I told them you cant have it both ways we either have a deal or we dont. I ended up leaving with the car and never heard from them again.

My Wife went to a dealership on Saturday with a Cap One pre approval for 5-8% depending on vehicle. The dealership assured us they take it and its a simple process. I made it clear we are not interested in thier financing. When she got to the Finance dept they told her BOA gave her 2% lower rate which was odd because there was no need to run it by other Banks. When she got home we put the VIN in Cap one and it said 6% and the BOA contract is for 7.5%. I have now discovered that they did 3 hard pulls on her credit. We love the car and got a great price. I feel they lied to us and plan to call first thing in the morning. I do not want to cancel the car deal just the financing. My question is BOA will not fund until Monday can they cancel that and go back to Cap One?

Done the free ones months ago need to follow some progress