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About MarcuzAgrippa

  • Birthday 10/07/1988

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    Atlanta, GA

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  1. I've tried to pull my LexisNexis three times and for some reason they have no file for me. Each time I have requested my report I get a letter two weeks later that they have no information on me in their system. Not sure what is going on there. I'll give Progressive a call and see what they say then get any agreement in writing. Them recalling the account and removing the collection for being paid directly would be ideal. I could definitely pay the full $212 to get it knocked out. I've heard Cap1 is good for a lawsuit. I went back and saw the email from their prior settlement. They offered to settle for 20% which is around $2500. At the time I couldn't give them a dime and this was a year ago. Things are more flexible now and I came work it out with them. Should I call them or send an email? I've seen some people having success with emailing the CEO and a rep following up with an offer to settle. Especially during COVID. The 1099-C isn't a big deal for me. I have ZERO assets. Even if they did tax me on the settlement it still works out as a deal in the end to move things along and avoid a potential lawsuit in the future. I am going to work on disputing the old items as they are reaching their tenure on my report. As well as the addresses. I'll reach out to PRA and see what they say. They have sent me letters here and there but always looking for full payment. With the account a year away from aging out I'm sure they will be willing to settle a PFD would be perfect even if for the full amount since I can afford it right now. Best to give them a call then get things in writing or go the letter route and wait for a response?
  2. Yeah the Self Lender was a one and done thing for me. My local CU did say seeing that account was the main reason they approved me for a CC so it did its job. I've heard of SDFCU. I'll have to check them out later today and see if I can have the same success others have had with them.
  3. Update 09/22/2020: Got the secured card from NFCU in the mail after a delay due to COVID. Just activated it today. Got approved for a secured card with a credit union I had an old auto loan through and have been a member of for 20 years. Greylock FCU. They did a hard pull via Experian and approved me same day. Weird thing is they say my Experian Fico score is 590 which seems off. Not sure if they use Fico 9 instead. My Self Lender account will be PIF by Feb 2021 and I know that will kill my AaoA . Any suggestions on another secured card to get that doesn't have an annual fee (trying to avoid those)? I was going to try Cap1 but had a C/O with them (2 years ago). Discover declined me via the prequal due to a C/O account about to fall off my report next year. My goal is to get 5 open accounts (revolving, etc) so I don't look like a "thin file" to lenders and to help increase my scores steadily.
  4. My only question would be since I have an attorney and have already file a case with the American Arbitration Association who Chime has to respond to, would this impact the arbitration filing? Especially the small claims case. I'm in Georgia if this helps at all.
  5. LexisNexis sent a letter saying they have no file for me when I requested an electronic copy of any report they have on me. Went to the Accenture site and couldn't find anywhere to order consumer reports. I'll have to try and check again to see if there is anything I am missing.
  6. This could be it. I did see another story of them flagging someone's account when they got a second job and had more DD transactions coming to their account. The scary part is they ran a whole marketing campaign to push people to have their Stimulus Checks and UE sent to their Chime account for fast access with the whole 2 days early thing. Then you see a ton of cases where people are having their account frozen, closed, etc. I'm sure there are some legit cases where fraud, scams, etc. are going on and this is valid. Will see what arbitration does over the next 7 months. 🥱
  7. No nothing business related at all or PPP or SBA loan deposit stuff. I did see people scamming and getting caught up with Chime this way. My account was always used for everyday purchases. The only variable was the unemployment portion. Luckily I was able to keep things afloat despite all this. I just don't want anyone else to be in my position with Chime Bank/Bancorp Bank
  8. State is a tad vague lol. I appreciate the push. I'm definitely still looking to see what/where I did something wrong with them to cause this type of outcome and will continue to do so until I get an answer or my money back.
  9. It does match. I did see some people had been asked to verify their identity if their account was closed but they never asked this of me. I could've easily shared any proof needed, License, passport, social security card, etc. and even the unemployment documents showing I was approved.
  10. I have used Coinbase for Bitcoin ages ago now but that was with my main Bank of America account. Never with Chime. The only 3rd party transaction type we thought could have caused this was Paypal and maybe CashApp. Even with those, the transactions were for small amounts. Nothing over $100 here and there and never more than $300 per month between the two.
  11. Ahhh I see. Nope I hold a professional license and it's still valid and was just renewed in 10/2019. Now back child support of any kind at all. I agree they can't just take the money and run. The only clear route for results was to get legal on them.
  12. I couldn't help but laugh at this question for some reason 🤣🤣🤣....Nope no criminal record of any kind in any state. That was my lawyer's first question after asking if I owed the State or Fed any money. This same situation happened to a friend of mine in California two days before me and he just had not told me yet amidst his panic. He didn't owe anyone a thing, clean criminal record, and they gave him the same story. He has a case pending with them too.
  13. It specifically said, "Please contact your State for further questions". I contacted them and my lawyer did before filing for arbitration and they had no answers at all. Confirmed I had no debt to them and was in what they called "good tax standing". They also told me if I did owe them money I would've gotten numerous notices from them to try and make arrangements before they levy a bank account.
  14. Responding to another User's post I realized I never shared my recent painful experience with Chime Bank. Chime what some call a "second chance" banking solution for those who may have issues with credit checks or making it through the ChexSystem to obtain a bank account. Around 5-6 years ago I signed up with Chime Bank (a subsidiary of The Bancorp Bank) on the hype of getting paid 2 days early. Did I need to get paid early? Not really. Was it a good piece of bait for me at the time? It sure was! Lol. I used the account for maybe a year or so but then left maybe $50 in there and switched back to my main brick & mortar bank, Bank of America. Flash forward to a year and a half ago (03/2019). I started a new job with a small business who processes their own payroll in-house and you are at their mercy. Solution? Switch back to my old Chime account and I can make sure I get paid on time to keep up with bills and my credit rebuilding. Things were fine despite maybe one banking outage that was inconvenient but I had money elsewhere so I wasn't overly stressed. In comes the pandemic. My job can't keep people on staff and the hours get cut. I end up being a casualty of COVID and have to collect unemployment and the stimulus check. For the Stimulus, it hit my Bank of America account since the IRS had the routing/account info. I gave the Department of Labor my Chime Bank info for unemployment hoping it would get me paid quicker. I was one of the lucky one who gave the state all the needed paperwork and they processed my claim within about 3 months while others are still waiting. With all the back pay and pandemic assistance they approved I ended up getting around $7k in my Chime account from unemployment in mid-June 2020. Things were going fine. My employer kept in contact and said they are going to move the business to a smaller location and open up in the fall, bills were getting paid, etc. Flash forward to July 29th...the perfect storm descends down like Ragnarok. I stop at a gas station to grab a water around 1:45 PM...purchase went through fine. At 2:50 PM I get an email that says my Chime account has been closed. I thought it was spam. I got to login to my account on the app. Can't get it. I try my laptop, can't get in. I try to call the support number and get a message that says, "We matched your account with your phone number and see your account is closed. The only way to communicate regarding your account is via email." I immediately sent an email trying to get clarity on what is going on. In the meantime, I went to the ATM to see if the card still worked. Nope. The card was already cut off. Strange all around. An hour later (3:50 PM) I get an email from Chime saying I violated their member agreement in Section 9 and they closed my account because of it. I pull up the agreement and Section 9 basically just says they can close your account at anytime for any reason. I read the rest of the agreement and see nothing to constitute closing my account. None of the reasons listed for account closing applied to me. I emailed again because Section 9 talked about getting your money back. My email asks them when my funds will be returned. With it being the end of the month, rent was due and the electric bills was due. Two bills I can't miss. No rent paid? No place. No electricity? No hot water (all electric apartment). I get an email back from another CSR an hour later again which says something along the lines of Section 9 was violated and their parent bank Bancrop monitors accounts and identified my account for closure and YOU WILL NOT GET YOUR MONEY BACK. The end of the email referred me to contact my State and not Chime with further questions. I lost it as you can imagine. No further emails for clarity were responded to and of course you can't get anyone on the phone. I'm floored and infuriated. I just filed my taxes and didn't owe the state or fed anything. No outstanding judgement, liens, etc. where my funds would be intercepted. Plus, the money was in the account for over 30 days before they decided to basically steal it. A quick Google search confirmed I was one of hundreds of people this was happening with. A difference between my case and theirs was they got asked for a ton of documents to prove their identity and where the funds came from for even the smallest of amounts. For me, this never happened. Most of the people this was happening with were citing how Chime doesn't check your identity when you get an account with them and they never asked for a copy of an ID, SS Card, etc. People were having their paychecks, stimulus, and unemployment stolen left and right from Chime. I got on social media and saw even more cases where people were mentioning this. I tracked down a few lawyers the next day to see what could be done. I already saw a ton of stories about BBB, Comptroller, FDIC, etc. complaints that got people no results. After speaking with each lawyer I decided on one who had beat Chime Bank and their parent bank Bancorp numerous times for this and similar situations. We are currently in arbitration and the entire process can take up to 8 months. I am sharing this because Chime also opened a Secured Card to lure more people into their services. I'm sure the card is fine...maybe. Who knows since it is new. My suggestion is to run for the hills with a company line Chime who does business like this and you basically have to take them to Arbitration to get any type of results. I was able to call on family for some help with the rent and re-route further unemployment to my BOA account instead to avoid any issues and keep on my rebuilding quest without any hiccups.

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