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About Menta33

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    Bump Influence XIV

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  1. The over weekend staff is pretty lame (probably contracted out), but I got escalated to the daytime staff who called me and this CSR was quite helpful. They reversed the $21 in fees I had been charged and waived the fee for several more months while I bring the balance up to $500. I also nicknamed the account to describe the $500 min (to avoid fees) and set an alert if the balance falls below $500.
  2. Thanks for taking the time to explain, much appreciated!
  3. I have no idea what you are saying here, perhaps you could elaborate? Who is the 'he/his' here, what Credit Union argument is he making, what dividends and notes is he reaping?
  4. Wish I had known this, I just paid off my loan in March and just noticed that they "thanked" me by now charging $3/month (with no notice) until they drained my savings. I guess they are trying to eject me as being unprofitable customer after paying off my second car loan with them.
  5. I've never had a stolen card before. All my other fraud issues have been with someone guessing the number somehow. It never occurred to me that someone had the physical card since I've never had that happen before so it did not occur to me to look for it. I don't recall what they asked me first time, they may have and I said yes, not thinking about it too hard. Better would have been for them to ask for the ccv number on the back to prove I still had it (or had previously recorded that number). The other strange thing I do recall about that call was fact that my wife's card number which I did have in hand was matching my account number even though they insisted her card had to have a different number than mine. Clearly their records were broken on that one since I had it in my hand with my number on it, not her authorized user number on it. They sent a replacement for her card, using same number as before for her card that I supposedly already had.
  6. I was unable to locate my old card which I looked for when folks suggested the actual card was used for chip reading. I let CapitalOne know the card is missing and they reinstated the fraud claim. The online charge (which was much less) remains open, they said since online, they have to send to Walmart.com to look into it.
  7. Two transactions in two different stores about 20 and 35 minutes drive from our house and one online which they kept as disputed. It was just the in store ones (which were for much more money) that they rejected. You'd think they could just bring up surveillance cameras and identify whomever made the charges and prosecute them instead of saying we benefited from them.
  8. I discovered fraud on my Walmart store card from CapitalOne and disputed the charges. They have mailed me a replacement card. CapitalOne just wrote me: We do not believe we made these charges. How should we best proceed to try and recover the monies lost due to fraud?
  9. I do as well as my memory serves, I've no written record of 1994 BK any more and 26 years is a long time to recall each creditor IIB. Correct, mystery is now solved thanks to Citi responding with a helpful denial letter that gave details of their thinking and reminded me of history and explained:
  10. Today, pulled my monthly tri-bureau, almost had triple-play, but TU was at 849 due to utilization just above 1%.
  11. I'm in good shape there, although they did not ask about assets, only income. But my 23 lines are about 1.6 times annual income.
  12. I've got Lexus/Nexus frozen. So perhaps some other obscure one. Don't the 10 year rules apply to them all though? Wouldn't they have to divulge in denial letter where they got info from?
  13. How else would they get that information?
  14. Nope, never IIB PenFed, perfect record with them.
  15. I contacted the Executive Office at Citi and they tried again and denied, but gave a much more informative reason: That goes back to 1994 Bankruptcy. My lines are about 1.6 times annual income.

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