The Master Blacklist Black List Thread – Work In Progress, Help Needed

[HoustonLynne]

USAA 7 years since BK. Meaning I can't use anything USAA related for 7 years after my bankruptcy. I have 6 more years to go.

How much did you include USAA in your BK for?

My experience: USAA was IIB in 1999 for roughly $4200. They politely told me I will never be eligible for their banking products -- including checking, savings, credit card, auto loan, etc. -- unless I pay the full amount. I've been a full member since I was a teen in the 80s, and I've maintained auto and renter's insurance with them all along. But I have not been in a mad rush to dig any deeper than the first CSR who told me that. YMMV.

I wouldn't dig deeper. They have been known to cancel insurance or, at a minimum, not allow you to pay premiums online.

Been there; done that. A few years ago I had a lapse in coverage for more than a year -- no vehicle at the time. When I re-upped in February 2007, they required me to pay the 6-mo. policy in full. But after that, they automatically went back to offering me the monthly plan and all has been well. Funny thing is that I've been getting a lot of credit-product marketing emails from them since my reports were fully cleaned a couple of months ago. I'm not falling for it, though.

[PotO]

 

 

 

 

USAA 7 years since BK. Meaning I can't use anything USAA related for 7 years after my bankruptcy. I have 6 more years to go.

How much did you include USAA in your BK for?

My experience: USAA was IIB in 1999 for roughly $4200. They politely told me I will never be eligible for their banking products -- including checking, savings, credit card, auto loan, etc. -- unless I pay the full amount. I've been a full member since I was a teen in the 80s, and I've maintained auto and renter's insurance with them all along. But I have not been in a mad rush to dig any deeper than the first CSR who told me that. YMMV.

I wouldn't dig deeper. They have been known to cancel insurance or, at a minimum, not allow you to pay premiums online.

Been there; done that. A few years ago I had a lapse in coverage for more than a year -- no vehicle at the time. When I re-upped in February 2007, they required me to pay the 6-mo. policy in full. But after that, they automatically went back to offering me the monthly plan and all has been well. Funny thing is that I've been getting a lot of credit-product marketing emails from them since my reports were fully cleaned a couple of months ago. I'm not falling for it, though.

Give it a shot!

 

Take one for the team. It'll only cost you an EQ HP.

[HoustonLynne]

I'm surprised nobody has mentioned USAA or Navy Federal Credit Union.

 

Brother-in-law stiffed them both about 17 years ago and to this day they refuse to let him open any type of account except for a simple savings account. They will not give him online access for his savings account.

I called USAA yesterday because I ran across my BK7 papers from 1999 and had completely forgotten they were IIB. Rep told me I'm barred from ANY banking products whatsoever until I pony up the balance of $4200-ish. That explains a lot -- I THOUGHT I heard them laugh at me when I applied for an auto loan in 2012-Q1. Oddly enough, they never missed a beat in continuing to provide me with exceptional service on insurance products, but I suppose that's a totally different branch of the company. Heck, if THEY would play the D* game, I'd have to at least consider forking over the $ -- my "Member Since" date is 1991. Sorry...I'll quit fantasizing now.

If I ever get my D* 1982 AmEx, you can AU...Sorry, I'll quite fantasizing now but you never know!

Awww...you're too sweet, Liz! I'm already *D, though. And from what I've read about your situation, you'll have no problem getting your *D. It's kind of a gimme since you opened your own account in '82. I am assuming you have an online account now for your AU card, no? Just chat with them and ask them to send you a replacement card with the 1982. Since you're the AU on the account, it won't REPORT as '82. But any card you open as the primary cardholder in the future will report '82. Also, after they replace your AU card, it should be easy to get your BF *D to '82. That's the RD* Method.

[HoustonLynne]

My experience: USAA was IIB in 1999 for roughly $4200. They politely told me I will never be eligible for their banking products -- including checking, savings, credit card, auto loan, etc. -- unless I pay the full amount. I've been a full member since I was a teen in the 80s, and I've maintained auto and renter's insurance with them all along. But I have not been in a mad rush to dig any deeper than the first CSR who told me that. YMMV.

I wouldn't dig deeper. They have been known to cancel insurance or, at a minimum, not allow you to pay premiums online.

Been there; done that. A few years ago I had a lapse in coverage for more than a year -- no vehicle at the time. When I re-upped in February 2007, they required me to pay the 6-mo. policy in full. But after that, they automatically went back to offering me the monthly plan and all has been well. Funny thing is that I've been getting a lot of credit-product marketing emails from them since my reports were fully cleaned a couple of months ago. I'm not falling for it, though.

Give it a shot!

 

Take one for the team. It'll only cost you an EQ HP.

Not a bad pitch ya got there. And you know I'm a sucker for "science" -- let me do some homework on their feelings about Egyptians, first. Maybe I'll schmooze an exec, while I'm at it. I'll get back to ya on this.

[nysbadmk8]

 

 

 

 

My experience: USAA was IIB in 1999 for roughly $4200. They politely told me I will never be eligible for their banking products -- including checking, savings, credit card, auto loan, etc. -- unless I pay the full amount. I've been a full member since I was a teen in the 80s, and I've maintained auto and renter's insurance with them all along. But I have not been in a mad rush to dig any deeper than the first CSR who told me that. YMMV.

I wouldn't dig deeper. They have been known to cancel insurance or, at a minimum, not allow you to pay premiums online.

Been there; done that. A few years ago I had a lapse in coverage for more than a year -- no vehicle at the time. When I re-upped in February 2007, they required me to pay the 6-mo. policy in full. But after that, they automatically went back to offering me the monthly plan and all has been well. Funny thing is that I've been getting a lot of credit-product marketing emails from them since my reports were fully cleaned a couple of months ago. I'm not falling for it, though.

Give it a shot!

 

Take one for the team. It'll only cost you an EQ HP.

Not a bad pitch ya got there. And you know I'm a sucker for "science" -- let me do some homework on their feelings about Egyptians, first. Maybe I'll schmooze an exec, while I'm at it. I'll get back to ya on this.

If anyone can whisper sweet Egyptian.... it's you.

[HoustonLynne]

^ ^

[BobWang]

[HoustonLynne]

^^ nysbadmk8, there's a search history worthy of being feared by a forensic specialist. ^^

[BobWang]

Not that I'm saying that *I'VE* done this,

 

but it would be interesting to search Kindle eBooks for

 

Arabic Numeral Eight

 

Five Equal Signs

 

Capital d

 

No spaces between them,

 

and see if anything turns up,

 

like the 3rd hit.

[shifter]

WTF is this?! Other than the picture of the cover that you already see, there is nothing additional. No text, no more content at all.

[BobWang]

[HoustonLynne]

I think I'm "not falling for this" in the wrong place.

[HoustonLynne]

Nevermind.

[HoustonLynne]

Check out the other offerings by the same seller.

[BobWang]

Somebody has been moonlighting as an Amazon Indie Author.

[HoustonLynne]

Clearly. And he wonders why I was surprised to hear him say he's married.

[BobWang]

[HoustonLynne]

You got it. I think I have some bizarre curiosity about the woman who married him.

[HoustonLynne]

Since Dr. Wang has had a PMbox meltdown, I'll pose my question here, as it's directly related to me being on the USAA BL.

 

Who's our Insurance Guru around here, as it relates to the profit margins for the insurer?

 

I need to know who can closely estimate an answer to the question, "How much profit have I been worth to USAA since 1990," if I give them the numbers and such.

 

I'm preparing my manipulation strategy recon before I even apply. I wanna see if it is anywhere near making up for their $4200 loss in my 1999 BK.

 

PS -- Please stop asking for titles via PM...

A) A full inbox gathers no Grumpy™ Lovemail;

2) we cannot publicly chastise you if the request is made covertly.

[nysbadmk8]

7 years is break even on one total loss. So count your years and loses

[chugs102]

Not that I'm saying that *I'VE* done this,

 

but it would be interesting to search Kindle eBooks for

 

Arabic Numeral Eight

 

Five Equal Signs

 

Capital d

 

No spaces between them,

 

and see if anything turns up,

 

like the 3rd hit.

 

 

I'm still trying to figure out 8 in arabic.

[spongenotbob]

Regarding AmEx, I think their recent regulatory problems have pushed them to soften their blacklisting stance. I could be wrong, but it looks like more people are being delisted lately. Perhaps instead of being blacklisted forever, they've got some kind of internal schedule which determines when you are paroled.

 

Really? Got any examples? I pretty much assumed I was done doing business* with Amex for life.

 

*Exception: I did get a Corporate Amex card from my employer less than one year post-IIB. Didn't ask for it; it was something they expected me to carry.

[PotO]

 

Regarding AmEx, I think their recent regulatory problems have pushed them to soften their blacklisting stance. I could be wrong, but it looks like more people are being delisted lately. Perhaps instead of being blacklisted forever, they've got some kind of internal schedule which determines when you are paroled.

 

Really? Got any examples? I pretty much assumed I was done doing business* with Amex for life.

 

*Exception: I did get a Corporate Amex card from my employer less than one year post-IIB. Didn't ask for it; it was something they expected me to carry.

Well, nothing that definitely proves anything, but trying to connect the dots:

 

1. AmEx got mouse-slapped for a few million $s along with a consent decree for offering debt settlements and "forgiving" the remaining portion of the debt only to turn around and deny credit to those same people because they still owed AmEx money (i.e. blacklisted);

 

2. AmEx was forced to contact all those people and offer them a pre-approved AmEx card. The card had CLI restrictions during the first year (or something close to a year) and thereafter was to become a totally unrestricted AmEx product (although I seriously doubted AmEx would REALLY forgive and forget 100%);

 

3. Got a close relative who AmEx mistakenly said burned them in the late 1970s. He was blacklisted until the early 1980s and is de-blacklisted apparently when they approve his app for a new card. AmEx pulls another stunt and says he burned them for close to $70k. They apply a few times a year until the time when #1 started and always received the "You burned us so FOAD" rejection letter with no credit pull. Strangely enough during all this time they are softing their credit reports several times a month and one time even placed a hard INQ for no reason at all. Anyhow, when #1 is happening, they apply and get approved. D* back to the 1980s. Strange.

 

4. Tried for the 61-day CLI and given the "You burned us so FOAD" rejection. Tried again at 6 months and again at a year and also FOAD'd. Shortly after a year they send a letter saying they'd like to give a CLI. Strange.

 

5. Apps for a new card a month later and instant approval. Massive success on 61-day CLI. Really strange.

 

6. Apps a third card and instant approval. Does it get any stranger?

 

7. They keep begging them to take a pre-approved Plum, Platinum, Gold, etc .... They think they got burned for $70+k and they are kissing her crusty flowers?

 

I'm trying to connect these dots and it just doesn't make sense. At all. The only thing I can come up with is that their blacklist has Alzheimer's.

[spongenotbob]

 

 

Regarding AmEx, I think their recent regulatory problems have pushed them to soften their blacklisting stance. I could be wrong, but it looks like more people are being delisted lately. Perhaps instead of being blacklisted forever, they've got some kind of internal schedule which determines when you are paroled.

Really? Got any examples? I pretty much assumed I was done doing business* with Amex for life.

 

*Exception: I did get a Corporate Amex card from my employer less than one year post-IIB. Didn't ask for it; it was something they expected me to carry.

Well, nothing that definitely proves anything, but trying to connect the dots:

 

1. AmEx got mouse-slapped for a few million $s along with a consent decree for offering debt settlements and "forgiving" the remaining portion of the debt only to turn around and deny credit to those same people because they still owed AmEx money (i.e. blacklisted);

 

2. AmEx was forced to contact all those people and offer them a pre-approved AmEx card. The card had CLI restrictions during the first year (or something close to a year) and thereafter was to become a totally unrestricted AmEx product (although I seriously doubted AmEx would REALLY forgive and forget 100%);

 

3. Got a close relative who AmEx mistakenly said burned them in the late 1970s. He was blacklisted until the early 1980s and is de-blacklisted apparently when they approve his app for a new card. AmEx pulls another stunt and says he burned them for close to $70k. They apply a few times a year until the time when #1 started and always received the "You burned us so FOAD" rejection letter with no credit pull. Strangely enough during all this time they are softing their credit reports several times a month and one time even placed a hard INQ for no reason at all. Anyhow, when #1 is happening, they apply and get approved. D* back to the 1980s. Strange.

 

4. Tried for the 61-day CLI and given the "You burned us so FOAD" rejection. Tried again at 6 months and again at a year and also FOAD'd. Shortly after a year they send a letter saying they'd like to give a CLI. Strange.

 

5. Apps for a new card a month later and instant approval. Massive success on 61-day CLI. Really strange.

 

6. Apps a third card and instant approval. Does it get any stranger?

 

7. They keep begging them to take a pre-approved Plum, Platinum, Gold, etc .... They think they got burned for $70+k and they are kissing her crusty flowers?

 

I'm trying to connect these dots and it just doesn't make sense. At all. The only thing I can come up with is that their blacklist has Alzheimer's.

 

 

Hmmm. That is odd. Although you imply that Amex never really lost any money on this close relative. So could it simply be that Amex cleaned up their records?

[PotO]

 

Hmmm. That is odd. Although you imply that Amex never really lost any money on this close relative. So could it simply be that Amex cleaned up their records?

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.