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  1. My husband has a student loan with Navient that's currently in forbearance. His account with Navient is listed as up to date and nothing currently owed, and yet last month, two of the loans (because of course they're reporting separately, and he can't consolidate them due to sub/unsub status) started reporting 60 days late. He called Navient, who said they don't have any late payment notices on their end, and don't see any problems with the account they advised him to dispute the entries and they should fall off. Of course, they fell off--for about 2 weeks, and then miraculously reappeared. It's been years since I've been around here, and I haven't had to deal with this for a long time! Is there thread somewhere that delves into how to deal with re-insertions? Any thoughts on how this might be happening? Thanks for any direction you can offer!
  2. Thanks. Our request with Chase was via phone. I'll have hubby send it in writing next.
  3. Years ago I was an authorized user on a Chase account of my husband's. It's currently showing up on my report and I want it off. I've disputed it as not mine, we're requested I be removed directly with Chase, but it keeps popping up. Is there a specific method of disputing that will get it off for good?
  4. #1: It doesn't matter if she's on time or late, it's not any of my business. I have no reason to believe she is, but the details of how or why a collection agency is after her is NONE of my business. #2: The FDCPA states that collectors are NOT allowed to contact 3rd parties more than once unless asked to. Of course I didn't ask them to. #3: I want to catch these people with as many violations as possible. I'm not naming names because I don't want to tip them off. #4: It doesn't even matter who they are, violations are violations. I will begin recording calls (I'm in a 1 party state, I can do so without telling them, which is not necessary because they open all their calls with an announcement that they're recording the call). I was looking for advice on what violations they are most likely to commit, pitfalls I may run into, etc.
  5. I don't know, why would they continually violate the FDCPA by contacting a 3rd party multiple times when they already have the confirmed correct contact information for the debtor? My guess is there is more than one office/collector involved and they don't communicate amongst themselves.
  6. She has made several months' of payments--she's had the car almost a year, and *MOST* of her other payments have been on time. It's *possible* she was late one month while she was evacuated from her home due to a forest fire, but I doubt it. She's not the type to not pay her bills! I won't put the company's name here, but let's just say their name implies they're quite proud of their ability to "recover" something. I confirmed w/ my sister they are debt collectors, and she's already given them documented proof of the payment, they just keep "losing" it.
  7. I apologize for asking for some basic information, I used to be a regular here but have been away several years and now I can't find anything! I've had a collector start calling me about my sister's car note. They didn't say she's behind (she's not, actually), just that they were "desperate" to locate her regarding a "claim" on her [make/model car], then started asking leading questions that revealed that they had already been in contact with her, but were pretending that they hadn't. I refused to give them any info directly. I asked them what number they had for her, they told me. I asked them what address, they told me. I told them I'd take their info and message her, but that was all I could do for them. An aside: her problem is with this new car, she made the first month's payment at the dealer, and they haven't processed the loan properly to reflect that, and they are insisting she's a month behind. Also, we're involving at least three states: She purchased the car in either Missouri or Illinois, and is currently living in Alaska. I am in Indiana. When I messaged her, she told me they'd been calling our brothers as well. Since their initial call 19 days ago, they have called my home 3 more times. I expect to continue to receive these calls because we've not answered the last couple. Now I'm ready, though: If you were going to try to get this company for FDCPA violations, how would you proceed? If I recall correctly, the FDCPA carries a $1000 per violation fine, is that correct? Contacting me about my sister's debt (their company name makes it pretty obvious they are collectors) more than once is a violation--is each additional call a separate violation? I'm not exactly sure what's the best next step--answer the phone and see if they commit more violations first? Send a threatening letter about their current violations?? WWYD?
  8. As beli posted, the bank was supposed to have credited the ENTIRE amount back to her after 10 days regardless of the status of their investigation. The can always debit it back if they find her to be liable within the 90 day period. I would recommend your friend's lawyer brush up on Reg E and go after the bank on this even if she does end up getting her money back, they have very clearly broken a federal law! The fines they'll face from the Feds will pale in comparison to the $3500 they're trying not to give her.
  9. The account had to be reopened because the transaction you arranged had already been approved. The disclosures you were given when you opened the account spell that out pretty clearly. The question is, why did you let this sit and fester so long that the account is now charged off? Did you inform the bank about the scheduled payment? Did you speak with the manager of the branch to work out a remedy? OD fees are easily refunded when they're caused by extenuating circumstances, and are handled at the branch level by individuals that you can speak to face-to-face. Charge-offs are handled by a completely different group within the corporation who don't give a flip about how the problem happened and have no incentive to help you. Had you bothered to take care of the problem when it happened, there never would have been a charge off to begin with.
  10. Actual conversation at my bank: Customer: "I can't believe you charged me an overdraft fee! You %#%^s are bloodsuckers! I never did nothing wrong!" Teller: "Are you saying that the transaction that overdrafted you isn't yours?" Customer: "No, that was me, but I had money in there!" Teller: "Sir, on Wednesday, you deposited $50, and your balance was then $86.52, is that correct?" Customer: "Yes, that's what I'm SAYING!" Teller: "Then on Thursday, you spent $100 at XXX." Customer: "Yes." Teller: "Sir, $100 is more than $86.52. You overdrafted your account." Customer: "No it's not."
  11. No, Cashier's Checks can't be purchased with anything but cash.
  12. I would tell them thanks for putting their plans in writing and that you'll be forwarding their email to your bankruptcy atty.
  13. I had a Circuit City card (don't hate--they were the only electronics store in town) with a decent limit. Chase converted it to a Best Buy card. Since the nearest Best Buy is about 60 miles away, the card has been gathering dust for quite a while now. I figured perhaps it was time to use it, just to keep the account active, and went online to have a look, picked out something for an upcoming birthday, and went to checkout. "We're sorry, but this card can be used in-store only." Hellooooo sock drawer. I don't remember them sending me anything with this little detail. It's particularly disappointing since I would have preferred to shop at Best Buy all along, and by the time one opens anywhere near me, I'm sure this account will have long since been closed from non-activity.

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