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I love the "It will be resolved in 48 hours" or even better (someone will get back to you in 48 hours". What they don't tell you is WHICH 48 hours... Maybe they mean "1 hour in 2026, 1 hour in 2027, 1 hour in 2028 and when it gets to 48 we might get on it."

I applied a couple of weeks ago for this card. I clicked on the pre qualification button and it automatically pulled my credit report. They asked me to call in and they had trouble verifying my cellphone and told me that they would send me a letter in the mail. The letter never came! 😡 The people handling the application department are completely useless and therefore I called their Executive Response Unit this morning. It was a short call but the lady was very nice and extremely helpful. Although the help was not immediate she told me the matter would be resolved within 48 hours. 😁

The CFPB has been effectively mothballed. Efforts to defund it have been blocked by the courts, so it limps on under a Director who ensures that its former enforcement activities are at a standstill: https://advocacy.consumerreports.org/press_release/cfpb-on-life-support-one-year-after-it-was-targeted-for-shutdown/

Retribution schmetribution; I can't believe I was ever even thinking this way. : /

The best comments any of us can make are at the ballot box.

Current state of affairs Without a functioning CFPB, enforcement may fall to state attorneys general and private lawsuits. The Federal Trade Commission can bring cases but lacks the authority to conduct routine supervision. A future without a CFPB will leave consumers increasingly trapped, said Hayden, the Chicago attorney. “In five years, the resolution of consumer disputes is going to be worse, credit reports are going to be worse and it’s going to be harder for folks to fix them, guaranteed.”

I would love to comment on this thread but anything I say would involve violating the "no politics" TOS.

Congratulations. I had a Cap1 card with a miserly $500 line. It was on their Travel Card. Wow, with that amount of credit I could travel to Phoenix from where I lived in Tucson, but only by bus. When my credit scores hit the 800's I asked for a CLI to make a travel card useful. The CLI that I got was a whopping $26, Yep, $500 to $ 526. I closed the card immediately because Cap1 showed me how useless that card is to me. Meanwhile I had a $35,000 line at Amex.

The SOL in GA is 4 years, so you still have another year-plus to go, so SOL will not be a defense. HOWEVER, you can make it more costly to sue you than they are willing to invest. File an Answer denying every allegation. Then start Discovery demanding proof of every penny claimed. Since you are dealing with a Junk Debt Buyer they probably will not have it, nor will they be able to get it from the Original Creditor (OC). They might raise the defense there of "Account Stated" meaning that since you did not dispute the claim until you were sued, the fact that the OC sent you bills and you did not object to them proves the validity of the debt. You would object to that because whether you disputed the debt with the OC or not is not a fact that the JDB's attorney or anyone at the JDB would have first hand knowledge of, only an officer at the OC would, and assuming something does not make it a fact. The next problem the JDB will have involves a concept called "standing", or having a right to sue you as a holder in Due Course as the creditor. To have "standing" they will have to provide what is called a "chain of custody" which works like this: OC sells the debt to JDB "A". The Bill of Sale has to specify exactly what debts are being sold, not just say "a pile of accounts" or "see attached" where nothing was attached. The normal way this is done is a spreadsheet which lists the OC's debtors names, addresses, account numbers with the OC and amounts owed, but gives no other details. They have to specifically be able to point to your account on that spreadsheet, and the spreadsheet file they give you must be an original document verified by an officer of the OC with a wet signature and dated concurrent to the date of the sale of the accounts. Otherwise, what is to stop the JDB from simply taking a spreadsheet in its digital state and simply adding your information to it? Only an officer of the OC can testify as to the accuracy of the account list the JDB produces in Court. Sound complicated? It is. Now, past due accounts are often sold from JDB "A" to JDB "B" and then to JDB "C" and each of these transfers must follow the same Chain of Custody rules as I outlined above, and its veracity has to be attested to by an officer of each JDB. When my consumer credit website was active we called this "Burying the Plaintiff in Discovery".

Luckily that cc exp date was going to expire in a few months so I quit worrying about it.

What I hated was when I chose to cancel Paramont, it would not let me delete my payment info.

I was very lucky. About 2 and 1/2 years ago I contacted the consumer financial protection bureau and they helped me with a problem with Equifax. I have never seen Equifax move so quickly to fix something as I did with that complaint. I was blessed.

GA. It would be around 2023 when the last payment was made.

Frustrated last year with some games requiring downloaded and using a gambling app to watch games. I refused to play that game. Now in order to subscribe you need to first sign up for some ESPN steaming service that is something I would never sign up for. Sure it can be canceled right away but do I really need another marketing operation having all my personal data? This is of course on top of the mafia-like black out policy whereby Las Vegas is claimed by 5 or 6 teams as a local market and therefore more games are blacked out when "my team" is on the road. MLB can suck it.

Credit Bureaus Are Leaving More Mistakes on Frustrated Consumers’ Reports Under Current CFPB

Yup, I tried changing the clock in my car during the day and couldn't see. Had to wait until after sunset to do it.

I'm reading in bed and discovered we went to DST Sunday. Bev and I were clueless. We rely on our cells for the time; Alexa for an alarm. We didn't even realize we were shorted an hour's sleep ... weird!

Congratulations!! $35,000 is a great credit limit!!

On May 25, 2010, after getting started on CB, I was pleased to get an unsecured card from Capital One with a $750 limit. For years I've been frustrated by the tiny (mainly $1k) CLIs, even after I returned to the world of prime credit, but I slowly dragged the limit up to $27k where it's sat stubbornly for a couple of years. Today when I logged in I was greeted by a popup offer to request a CLI. Since previous requests between $35k and $50k have all been denied, I asked for the low end of that -- and was approved. It's taken nearly 16 years for Capital One to treat me like an adult again.

Still am.

What State do you live in, and when was the last payment made on that debt would be the first two questions I would ask.

Just to make a long story short, when a company changes their terms or contracts, it is NEVER to the advantage of their customers. Think of it as Round 1 of them thinning the herd, and they are looking at you as a part of the barbecue they will be holding after the herd is thinned.

I got approved yesterday for the Savor for “good” credit and it is showing in the app as a MC…I thought it would probably be a Discover network card from reading the news….

IIRC @cv91915 was a fan of this card bonus.

Credit Cards: Amex Green & BB+ MR 586,608 Amex Delta Blue SkyMiles 114,851 Amex Hilton Honors 211,625 FNBO Amtrak Guest Rewards World MC 151,395 Chase CSR / CSP / CFU / CFF UR 233,677 Chase IHG Premier World Elite MC 68,283 Chase Hyatt Visa Signature 6575 BofA Customized Cash Rewards Visa (3% Travel) $6.20 BofA Alaska Airlines (ATMOS) Visa Signature 115,945 Citi Strata Premier / Double Cash / Custom Cash TYP 81,496 Choice Privileges World Elite MC 309,598 WF Active Cash Signature Visa (2% CB) $91.22 BILT Rewards MC 18,161 Rakuten Amex Shopping Portals & Apps / Stacking Opportunities: Rakuten. Pays out quarterly. (BILT Points Earning) Points Pending: 7590 Chase Shopping Portal (UR Earning) American Airlines 90,854 Upside (CB) Shell Fuel Rewards (Earning AA Miles 3miles/gal.) Airline / Hotel / Dining and Shopping Portals