T
titan
Guest
I have a problem with a large U.S. Bank. A credit account was opened with my name and ss# and a balance transfer of $200.00 was posted to another credit account of mine via this U.S. bank in April of 2000. I was never notified of the account being opened nor the balance transfer until October of 2000 via a phone call!
The bank calls me 6 months later. After believing this was a fraudulent account I found out that the bank had the wrong address on record for me and I have not moved, etc. Several people I spoke with by phone confirmed that the address was wrong and it was corrected. Three weeks later I get a statement of this account now that my address is correct with them 6 months late and plenty of fees added. I sent two certified letters attesting that this account was not mine and that the address was wrong/billing dispute and I did not authorize this account to be opened. I also sent a check for $200.00 after I found that this transfer actually happened to reverse the balance transfer from 6 months ago together with the first letter which the deny receiving! They say I assume the account since I paid some of the now due balance and fees.
I do not remember applying for the account but with a balance transfer I must have. Will this matter in court?
They have reported this account to all CRA's and are now calling a charge off of the account and simply do not respond to my requests even though it states clear violations of the FCRA have happened, specifically the failure to send me a statement of the account (wrong address)/Fradulent on their part?
What is the next escalation and when do I contact an attorney? I am able and willing to contact an attorney if necessary and before they do. This seems to be the only way to deal this to the end. I have contacted the BBB, FTC and now will call the Office of the Comptroller. Do I possibly have a strong case? What may I need to prove in court?
TEXAS resident.
Thank you for your time!
The bank calls me 6 months later. After believing this was a fraudulent account I found out that the bank had the wrong address on record for me and I have not moved, etc. Several people I spoke with by phone confirmed that the address was wrong and it was corrected. Three weeks later I get a statement of this account now that my address is correct with them 6 months late and plenty of fees added. I sent two certified letters attesting that this account was not mine and that the address was wrong/billing dispute and I did not authorize this account to be opened. I also sent a check for $200.00 after I found that this transfer actually happened to reverse the balance transfer from 6 months ago together with the first letter which the deny receiving! They say I assume the account since I paid some of the now due balance and fees.
I do not remember applying for the account but with a balance transfer I must have. Will this matter in court?
They have reported this account to all CRA's and are now calling a charge off of the account and simply do not respond to my requests even though it states clear violations of the FCRA have happened, specifically the failure to send me a statement of the account (wrong address)/Fradulent on their part?
What is the next escalation and when do I contact an attorney? I am able and willing to contact an attorney if necessary and before they do. This seems to be the only way to deal this to the end. I have contacted the BBB, FTC and now will call the Office of the Comptroller. Do I possibly have a strong case? What may I need to prove in court?
TEXAS resident.
Thank you for your time!