Saying I owe them almost $8400.00 I had an account with $0 balance which I closed years ago. I got my discover card in 1997. How can I have 2 accounts? They say I opened one 1989. They have 2 different account numbers. The orignal account was opened in 1989 and was being used until 1998.
PS the collection agency that sent the letter is National ActionFinancial Services, Ltd. Very rude people I wanted to dispute and they hung up on me? I need free legal help Please....Any suggestions? Please
2007-03-19 05:02:10 · 15 answers · asked by The JRTs will rule the world 3 in Business & Finance ➔ Credit
First, go to the annual credit report and get a copy of your credit report and see if it is on there. (link below to get it). If it is there, file a dispute on this account stating that it is not yours.
Make sure you look the report over carefully because it might not state Discover if the collection agency is the one that filed it with the credit reporting agencies. It also might be on there more than once, from Discover and again from the collection agency. You want to dispute anything related to this card.
Next, if the collection agency calls you again, tell them to send you proof that it's your account, in writing and that you will only deal with them in writing and not to call your phone number again.
It is entirely possible that this card does not have your SS number on it. It might be someone with the same name and the collection agency just found you and decided you might be the same person. But you need more info and don't drop this. If it is being reported on your credit file, it can screw up your credit.
All collection agencies are totally rude so don't even worry about that part. Some people (not you) really are deadbeats and really don't pay their bills. Rude collection agencies is about the only way they can get some of them to pay what they owe.
2007-03-19 05:52:30 · answer #1 · answered by Faye H 6 · 0⤊ 0⤋
1st , unless the account was used in the last 7 years, it would be past the statute of limitations . . .
But , you must go to your local PD with a written notice of the stolen discover account ( I got a call from a gym company but I think they were shopping for info to DO ID theft - I hung up on them)
A real existing overdue would show on the annual credit report you get.
With a printed copy of the Discover account you can make an ID theft report to the police ,
Then you mail a copy of it to the credit bureau and the company that issued the card to the thief.
It takes about 90 days for the credit bureaus to clear all their records.
I notify the company that gave the thief an account as a courtesy , but I only care about the credit bureau.
If the credit bureaus are clear , I do not worry about some greedy slacker company that gives thieves accounts.
2007-03-19 05:15:06 · answer #2 · answered by kate 7 · 0⤊ 0⤋
First I would pull all your credit reports, I would then go over them with a fine tooth comb, making notes of anything YOU don't know about. Then contact the agencies to correct it, It sounds as if you may be the victim of identity theft, or the "National Action Financial Services" is a scam and they were just trying to get you to pay. Contact Discover, give them the info you have and request a DETAILED Billing History and Statement of all purchases and Payments. I would look in your local phone book for an attorney who specializes in Identity Theft and ask for an Appointment, most times the first appt is free. GOOD LUCK
2007-03-19 05:11:22 · answer #3 · answered by HappyGoLucky 3 · 1⤊ 0⤋
Never heard of that collection agency. Lots of red tape to prove you didn't open that account. The easiest way is to have them compare the signature on the credit application to your signature. Oh, and you can have two accounts with one credit card company. If the collection agency hung up on you, they may not be a very reputable agency. Check them out with the Better Business Bureau.
2007-03-19 05:09:42 · answer #4 · answered by Cupcake 2 · 0⤊ 0⤋
That collection agency was one I just ran across on the first below link that has federal action pending against it.
I might also add that Discover can be a very difficult company to deal with when it comes disputing items or trying to have them remove an erroneous or incorrect information and trade lines from your credit report.
I'm adding two links that hopefully you will find useful.
Good luck
2007-03-19 05:18:42 · answer #5 · answered by deanspurrier 3 · 0⤊ 0⤋
1989?? That's waaay past the statute of limitations. Something isn't right here. First thing is it's the collection company's burden to provide you proof the debt is valid. If all you received was a phone call that isn't good enough. If they call again demand evidence, not just a threat. Chances are you won't hear from them again.
2007-03-19 05:55:43 · answer #6 · answered by douglas l 5 · 0⤊ 0⤋
Request a copy of your credit report for starters. The goof bags that are trying to collect may have the wrong person. Good luck, I had a SS card stolen from the mailbox and I'm still waiting for my big surprise.
2007-03-19 05:09:49 · answer #7 · answered by Anonymous · 1⤊ 0⤋
Dispute it thru the credit bureau. The have 30 days to respond if the account is even yours. Try experian the work quickest to resolve problems.
2007-03-19 05:11:37 · answer #8 · answered by pleasure6910462 2 · 1⤊ 0⤋
You can dispute it. They could be wrong too, contacting you because your name is the same as someone else's. This happened to my husband and it turned out not to be under his ss# after all. I guess they found him in the phone book or something.
If you are a victim of identity theft, it will ruin your credit anyhow. Just fight it and try not to lose sleep.
2007-03-19 05:08:38 · answer #9 · answered by Mama R 5 · 1⤊ 0⤋
Call the credit card co. This sounds like a case of identity theft. They should have a record of when you closed your account.
2007-03-19 05:06:08 · answer #10 · answered by notyou311 7 · 0⤊ 0⤋