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Everything posted by Broad55

  1. Anyone know how to use a similar tactic when it isn't a CA but the actual oc? And not in default? I've scanned for this I "live" in Texas but having issues with AT&T repeated overcharging, paid 775 last month in fictitious over ages. Have gone to FCC and FTC. Bbb is useless, anyone can help? I know texas has strong laws with deception and I'm just trying to avoid EtFs and recover the extortion of monies. Thanks
  2. No not that I'm aware of, maybe a cow?
  3. Has anyone had successful recon for the saks fifth Avenue world elite Mastercard? It list just equifax as the source and score. Which is high the denial stated -credit line sufficient???? I was upgrading not CLI....any back door numbers would be great Sent from my iPhone 6 using Tapatalk
  4. Not 60 days but would like membership via tapatalk..truly enjoy the wealth of information Sent from my iPhone 6 using Tapatalk
  5. Great board Hi all (nor a phony) Sent from my iPhone 6 using Tapatalk
  6. Capital one has a TCPA also Sent from my iPhone 6 using Tapatalk
  7. It came with a special phone number to dispute after the court enters agreement in October 31st. James I think is the case. Sorry. Too lazy to read the above I have the "special number" if anyone wants that won't become operational until court accepts settlement. Just Pm me if I have that ability ha Sent from my iPhone 6 using Tapatalk
  8. Broad55


    I called 8666184585 Sent from my iPhone 6 using Tapatalk
  9. Broad55


    No go. But did offer the Amex Accelerated rewards I passed. He encouraged me to apply for Merrill he said he was a Sr analyst and didn't see anything acquisitions would question. Oh well 6 months Sent from my iPhone 6 using Tapatalk
  10. Broad55


    Cool will do Sent from my iPhone 6 using Tapatalk
  11. Broad55


    Doesn't work Sent from my iPhone 6 using Tapatalk
  12. Broad55


    Thanks Sent from my iPhone 6 using Tapatalk
  13. Broad55


    Is it possible to convert my cash rewards to the Merrill +? Sent from my iPhone 6 using Tapatalk
  14. I never use the cards the mortgages and auto rates are great. Aggressive apr. Especially when military. Ya it became obvious so many times the guys wouldn't pay or screw up and miss a payment and Navy would contact the officer assigned. Usually our commander never really cared and said he would deal with it. I never have owed them money aside from the cars and mortgages the CC are great for utilization but nothing more. As far as lying to my sister idk not in the capacity she is in now. She loves them. Weird. But ya they can be aggressive i would never eben try and not pay them back junkyard dog is nicer. Good luck op Sent from my iPhone 6 using Tapatalk
  15. Yeah. They never lost any money. But they think they did. First time was when they bought a new IBM PC XT. Paid merchant with AmEx, got statement and promptly paid AmEx. AmEx turns around and says they never got check. Bank says they did and produces their cleared check to show they did get it and cash it. Up until approved for their card during AmEx's CFPB problems they were trying to collect on it. Second time was ID theft committed by a relative -- a lawyer. Large sum of money and many different banks. AmEx still tried to collect. Finally cousin gets indicted and makes 100% restitution to escape prosecution. They were still trying to collect that money up until the CFPB problems. Maybe you are right and they finally realized they were wrong. Maybe not. I'm thinking they were warned to about their lifelong blacklisting. Wasn't too long ago here on CB a lot of folks who were blacklisted started getting approved by AmEx. Wow poor cousin what happened with the indictment? Was it the DOJ? Scary. From what I hear it's quite hard to get an AUSA to retract a grand jury true bill. Not that they lack the power but they did have testimony under oath (in secret) before the GJ. This is not something they enjoy. Maybe if was state though. Hopefully it all worked out well. Sent from my iPhone using Tapatalk
  16. Explain to them how they've been sued for this crap before Osada V. Experian, pulling the above mentioned stall tactic. When the court accepted the settlement one condition was that experian would refrain from thus and similar tactics. Google Osada just include it. That should get the attention. I believe it was settled in 2011, Illinois consolidated with Kimberly Hovenac or something like that. Either way follow the above posters advice. Good luck Sent from my iPhone using Tapatalk
  17. No one does, DFAS is also monitored like a hawk. I entered what I thought my password was two times incorrectly and I received an immediate phone call and they had everything about my computer etc. I needed the VA loan certification documents. So no Navy never would be able to access DFAS. DON'T know if they have spread similar misinformation. Sent from my iPhone using Tapatalk
  18. Exactly so when they proffered that they had access to DFAS and couldn't locate me. They engaged in sophistry and lied to my sister. Hence my CMD look of "salamander". I was an ensign young and i didn't know at the time. So ya that's exactly what I said. Sent from my iPhone using Tapatalk
  19. Often when a consumer, I don't believe this may be your case, but they will suppress your file. Sometimes CRAs will target specific consumers, "file unavailable" "contact bureau" or "file under review". (Thompson V . Equitax, 2001 WL 34142847 (M.D. Ala Dec 14, 2001) lawyers/practioneers have said that when a consumer files suit or threatens to do so they will pull this stunt. Understand though that if access is blocked to subscribers and creditors seeking consumer reports, it will violate the CRAs obligation to report accurately on the data in its possession. (15 USC 1681b(e)) Sent from my iPhone using Tapatalk
  20. Broad55


    No I didn't don't want to push it with them. But the FIA people are rude and know little. At least the front line CSRs. Good to know about alternative pulls. Is bofa the only cc issuer willing to do this? Thanks guys Sent from my iPhone using Tapatalk
  21. Please could you tell us more? Did they ever unlock your sister's accounts or explain why they locked up her money for almost a month? I've never heard of it taking so long to clear security... This sound incredible to me and I'm very sorry your sister had to go thru that. And like Mendel said, you are missing out by holding a grudge so long. In 14 years, you have missed out on some incredible deals and offers. If I was you, I would try to "settle" your grudge by taking advantage of their generosity as often as possible! I do utilize the credit products, before I purchased my second home I used the free investment seminar. They locked her accounts because (old ugly antiquated navy website) would not load my member number. She just went ahead and called and opened the account. Immediately after she said, and as a AUSA I don't doubt her, they froze the money and accounts. She had opened nothing but a checking and savings. Most upsetting , a lie also, was that when they looked me up in DFAS I didn't appear. So they needed something that showed I was active in the navy, and we are related. She was able to get birth certificates from my mother for both of us. She also provided more then enough confirmation I was on the Eisenhower in route to Portugal. With my NAS OCEANA data. The security rep said all sorts of crap to her. She doctored or appeared that they looked that way. Conjectured the whole time. Finally I got to Portugal and sorted it out. They apologized and I asked my CMD, does navy federal have authority to access military personnel files? He looked at me as if that was the dumbest thing he heard or perhaps close second. She still banks with them I told her JusticeFCU (she can certainly get membership has good products and "special offers for her position". ) which she said and does have and offered me membership . She still prefers Navy and utilizes them as her main bank. I just won't give them a dime of deposit. Aside from the 0 checking with OLOC and 2 CCs. I have had all the special military personnel products-home, car, boat-etc But other then that I like my small hometown credit union. Everyone does what they want, but I know I've been a recipient of great offers from them. How they treated her as a broke law school student, not gonna happen, that's my baby sister forever. To each...... Sent from my iPhone using Tapatalk
  22. Does anyone remember this card? It was black MBNA came out with it. I was an AU on my uncles swore I saw one at Starbucks today. I know MBNA sold to BofA. Just wondering Sent from my iPhone using Tapatalk
  23. Broad55


    Ha no kidding bofa/FIA could have used the same damn pull. Someone said once if you ice it they put FA and report to the other two. Don't want that headache

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