Jump to content


  • Content Count

  • Joined

  • Last visited

Everything posted by SandwichFace

  1. No, I have not. To clarify, the phantom checking account is US Bank. The credit card that had the auto payment setup on it was with someone else; it automatically pulled the money from this phantom US Bank account. I've been concerned about contacting US Bank because I had some accounts go to collection, etc with them and I was worried about them "finding me" and possibly stirring the pot on something that I wasn't aware of. I believed all of my accounts were closed as the were either charged off, payed, or sent to collections. The only possibility I can think of is that maybe I was on a joint account and they are still using it. But when I try to log into the US Bank site, it says I have no accounts associate with my email, which is the only email I've ever used. I'm at 10 days now since the phantom account was charged and I've seen no evidence of it getting kicked back. I'm going to give it 14 days and then call US Bank I guess.
  2. I agree, none of it makes sense... I called the card issuer about the payment and they said it appears to have processed but sometimes it can take up to a week before it gets bounced back. I'm not confident that the people I'm speaking with are certain about anything however; I've talked to 3 different people and haven't got any conclusive answers. Thank you for the insight. Sounds like I should wait another week or so and then call US Bank.
  3. Long story short... An old credit card I rarely use triggered an autopayment that was setup to be paid by an old checking account. That checking account has been closed (I believe) for about 5 or 6 years. Back then I overdrafted and fines etc caused them to close it. There were also credit accounts that I neglected. Since then there was collections, a lawsuit, all sorts of stuff. I believe everything is settled at this point. BUT... Now this payment was made over a week ago and the payment hasn't been returned, making me think maybe the account is still active. Is there any downside to just calling US bank and asking if I have any active accounts with them?
  4. I thought I saw a post somewhere where the person was able to Goodwill the original creditor and get them to stop reporting. Has anybody had success doing that? The listing from the original creditor shows no balance, so it might not be hurting my score much at all.
  5. Ohio. I know it's passed the SOL, they told me that much in a letter. My concern is about the date it will come off of my credit report. Right now it's scheduled to come off in 12/2020 but I'd like to do some work and get it removed earlier.
  6. An old CapitalOne credit card was charged off. It went to collections and the collections account appeared on my reports. The original CapitalOne credit card disappeared from two reports but is still on Equifax. Do original creditor accounts that are charged off usually stay on your report after they're sent to collections? Is there any way to get the original charged off account off of my report? It seems odd that basically the same account can show up as two negative items. If it can come off, can you please help me find some resources to help get it off? I found this article but it doesn't help much: https://blog.credit.com/2012/08/credit-report-double-jeopardy-means-double-damage-61199/
  7. DOFD was 3/2014. The report lists it as On Record Until 10/2020. It list the Date Opene as 06/2017, I'm assuming that's maybe when Portfolio bought the original debt and created the collections account.
  8. Haven't been around here in a while. Is the 1-2 Punch still my best option? 5 year old collections account from Portfolio Original account was CapOne Credit card, $3,500 Want to buy a house this year and this is the last negative I have I'm concerned about possibly re-aging the account when I send a letter I'm looking at doing the 1-2 punch but it's been so long I'm wondering if that's still as effective? Should I start with the DV letter to Portfolio? Are there any current example DV letters? Thanks!
  9. I believe the account was opened in California, but went delinquent when I lived in Illinois. Since then I have lived in Ohio and now Washington. Which state laws will apply here?
  10. I opened the account in California, but have lived in Illinois, Ohio and now Washington since then. I'm still not clear what state the SOL goes off of. I'm getting the EWS report now. Thank you!
  11. I had a checking account that went negative and I never dealt with it. It was opened about 12 years ago and it was charged off 4 years ago. I also haven't done anything with the account in about 8 years. Recently I've been getting collections calls asking for $400. I've ordered the chexsystems report. The account is probably mine, but in not sure yet. I'm hoping that I'm past some statute of limitations or something that will help me. I'm familiar with the process of disputing credit accounts but what is the process for checking accounts?
  12. No, looking back through my phone, I've have about 15 calls in the past two weeks. My phone says "Suspicious Caller" or something like that on the caller ID so I hadn't been answering, but yes, I've only answered ONE call. When they called he rattled off his name and company SO fast that I still don't know who/where he was calling from. I had to ask him to slow down several times to figure out what he was actually saying. He did say collection company for US Bank but he said they don't buy the debt, they just work for US Bank. Regardless, I told him I'm not comfortable talking with him on the phone regarding the issue and I didn't know what account he's talking about. Which is true, because I really don't know what account this is. I think the next steps will be to get my chexsystems report and go from there.
  13. -Correct, I have no documentation of this account. I don't recall having a checking account with them in bad standing, but when things went south I was MUCH more concerned about the 10,000 in credit. -I'm not sure of the differences between checking and credit accounts when it comes to these situations. I believe statute of limitations for collections on credit cards is based off of the last time you paid on the account. How is statue of limitations different for checking accounts? -I answered the phone today, but the was the first and only time. I had just made some calls to hospitals about paying some medical bills (not in collections) and I thought this was them calling me back. When I gave my birth date to verify who I was, then I figured out who I was actually talking to and got off of the phone. I tried not to say too much, but honestly I should've just hung up right away instead of trying to figure out who I was talking to. -I have a credit union and a bank checking account, although I know that something is on my chexsystems. You're right, maybe I'll get that information and start from there.
  14. I had a US Bank checking account the went negative. After fees, they're saying it's -400 bucks. The account was opened about 12 years ago and I haven't done anything with it in probably 8 years. I'm positive this is past the Statute of Limitations. -What can I do to get them to stop calling? -If not, can I somehow leverage all their calls into some kind of lawsuit to get them to stop? They told me the account's only been charged off for 4 years but I find that hard to believe. Also, I don't think that really matters. I believe what truly matters is when is the last time I paid on the account. Not to mention, I've since won a lawsuit against US Bank over a credit card where they had to forgive about $10,000 and also pay me $3000 on top of it. I'm shocked they're now coming after me for $400 on such an old account.
  15. Thank you, that's what I thought. I'll read up and formulate a letter. Thanks so much.
  16. Had a credit card for $3500 with CapOne. They sold it to Portfolio. I sued Portfolio for a different account and they ended up removing both from my report. Now the $3500 credit card is back. It's been over 7 years since my DOFD for the card. Also, the derogatory mark for $3500 was on the report for years before it fell off. My question is, when does the clock start for this to age off? The DOFD of the credit card? The time it first appeared on my report? The time it just reappeared on my credit report? If it's from the time that it just reappeared on my report, then that seems incredibly unfair. If that's the case, they could just leave negative accounts on reports for years, then pull them off when they're about to reach the statute of limitations and then add them back again later to restart the clock. Also, a month or so ago I received a letter basically saying that my debt is past the statue of limitations and they won't sue me for it but my debt is owned by Portfolio. Any advice would be appreciated. Giving me the right search words for what I'm looking for would be helpful as well; I don't know what this is called so I'm not sure what to google.
  17. 1. Not sure if anything's incorrect. It just says $400 account abuse. I don't know what it's from. I'm sure over the life of the account I had many overdrafts, etc but I believe I've paid them all. I don't really even know what account abuse means. 2. 3 years ago. 3. I'm not sure what EWS is so I don't know. 1. It was with US bank so that's probably not going to work. 2. Maybe this will work? 3. It's not paid so this won't work. What list are you referring to? Is there a list I can see of banks that don't use ChexSystems?
  18. I'm looking for a sample letter to dispute negative info on my ChexSystems report. The other option is to just find a bank in Washington that doesn't use ChexSystems. I'm near 98052. Thanks!
  19. Strange... I don't think I'll ever use them for anything again. I learned my lesson with them but I don't feel good about going back to them. I'd rather just move on. How strange that they have such short memories.
  20. Any more ideas? Do you think asking the CRA's to verify will poke the bear and cause Cap1 to try and sue again?
  21. I don't see anything that says with or without prejudice. It just says the magistrates decision is "dismissed for lack of jurisdiction." I believe Capital One had 30 days to contest the decision but they did not. I'm assuming the worst and that they're still able to sue. It's still reporting as Capital One, I'm not seeing anything that shows the debt has been sold. To your last question, no, I've don't nothing with it. I was worried about stirring the pot and having them possibly try to sue again. Would you recommend trying to dispute with the CRAs? That sounds like it'd be the safest, as I wouldn't be contacting Capital One directly. I'd love to hear your suggestions. Thanks!
  22. I've read that Capital One doesn't do pay for delete. Does anyone have any recommendations on how to proceed? Or is my best option to let it age off? To recap: $4000 Credit card charged off roughly 3 years ago. Was sued and the case dismissed. It's been about a year since I've heard anything from them. Any insight would be great. Thanks!
  23. I have something on one of my reports that I honestly don't know what it is. As per the 1-2 punch diagram, I'd like to send a letter to the CA and the CRA. I see plenty of sample DV letters to CA's but I can't find any verification letters to the CRA. Am I missing something? I see some response letters to CRA's regarding the having already verified, but I don't see samples of the initial letter you would send. Any help would be appreciated. Thanks!

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information