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  1. No quibble in that regard. Issuer's statement of concern is that to become current, the cardholder must pay the entire balance carried on the card. Card agreement references the overlimit occasion and penalty, like you said. Misrepresenting character/amount... Negligent v. Innocent
  2. Hegemony: Yes, credit card, bank issued, Visa licensed.
  3. Well, I exceeded an established limit set by a lender, 48.00 bucks and change. Notice arrives referencing the delinquency having with an offer to remedy the default. Irksome is wording that implies the outstanding amount due is an amount to make the balance $0.00. While due really is a minimum payment 78.00 bucks even. Someone with a better working knowledge of those laws regarding language, syntax, technicalities of painting, respond with insight including an answer to this question could the lender be on the hook for misrepresenting the amount, or some other infraction? To date, the account is open, no notice received of account closure wherein then the whole amount is due.
  4. Hmmm. What happens? An account becomes delinquent, written off, balance now nil, account sold to debt purchaser. The OC processess some payment on the account. The balance can't be updated since it is zero. Does the amount owed at charge off commencement change to reflect the payment? Should it, has some furnisher's rule been broken? Does this OC have any obligation, purpose, after account(s) are sold? Is deletion ok?
  5. This remains persistently irksome, Prescreened Consumer Offers to consumers where a pre-existing relationship existed, but ended badly, while disputes, open/closed, go unresolved. Yet to be found in a compliance manual on this end, are the rules regarding this "taunting" within the scope of FCRA compliance and adherence. Any pointers and/or references? Report deletion leverage? Forward to CRAs, OC, or Regulatory Bodies?
  6. Somewhat of a unique situation exists. Sent to an Original Creditor was a Direct Dispute Letter. Therein, concern was expressed as it relates to the way in which a defaulted credit card account is being reported. Included also was also a request to have retrieved and sent to me the historical monthly billing statements associated with the account. A response from an individual from the Customer Service Department has been received. In short, the response was cordial, laced with numerical strings, barcodes, and other in-house notations that may or may not be of concern. This response also advises should I disagree with how the account is being reported, I may dispute with the CRAs directly, or submit another written dispute. Made known to them prior was that the account has reported CO monthly in excess of 12 months, and also key base segment information is either wrong or missing. On many occasions, the account is verified as belonging to me when disputed with the CRAs although the crux of the dispute was not, " This Is Not My Account", but rather, "The Information Is Innaccurate". My question to those more knowledgeable than I, and those who have encountered such, is instead of me providing copies of each tradeline from the CRAs as normally could be done, is there a method or procedure by which I can obtain records of the information furnished monthly (e-Oscar Stuff) to the CRAs from the CRA? Understood is that if such is possible, this will be codified information could be cross-referenced with CDIA/Metro 2 codes, data guidebook reporting and so on. This is desired because it may be an option to have the data cleaned up. This is frustrating because current reporting is illogical. is it normal to have reporting other than 30- 60- 90- 120- 150- (180-240 days) - CO - CLSD? With this creditor it is 30-90-90-90-120-120-CLS-CO-120-120-CO-CO-CO-CO-CO-CO-ND------ Thoughts, comments, guidance, is appreciated and welcomed!
  7. Question: A medical bill from a 2011 hospital visit is incurred. 2013 the unpaid bill is either assigned or sold to Collection Agency 1. A 2014 Credit Report pull reveals the account also with a second collection agency, Collection Agency 2. At present, both collection agencies are reporting the account. Asked is whether the account is returned by Collection Agency 1 to the Hospital, and from the Hospital to Collection Agency 2. Or, does the account go from Collection Agency 1 to Collection Agency 2?

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