• Report: #331215

Complaint Review: FCNB - Crate & Barrel

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  • Submitted: Wed, May 07, 2008
  • Updated: Wed, May 07, 2008

  • Reported By:Hilton New York
FCNB - Crate & Barrel
PO Box 55143 Portland, Oregon U.S.A.

FCNB - Crate & Barrel - First Consumers National Bank FCNB ruins my credit with allegations of past due account I have no knowledge of, and collection agency can't even tell me what the charges are for! Portland Oregon

*Consumer Comment: What to do..

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I have been receiving letters from multiple collections agencies- MGM, Asset Acceptance, and 2 law offices over the past 3-4 years claiming that I have an outstanding balance owed to a FCNB/ Crate & Barrel account since 2005. They say I owe $2400, but have yet to tell me what this $2400 is from. I have never had any credit cards through Crate & Barrel, which has been confirmed through my multiple phone calls to Crate & Barrel themselves. I even called World Financial Network National Bank at 866-258-0114, the bank that handles all Crate & Barrel credit cards and keeps account history info on file for 10 years. They have no record of any accounts under my name nor my social security number. Big Surprise.

This has ruined my credit for years, and made it nearly impossible for me to take out any loan or get any credit approval of any sort that doesn't have a ridiculously high APR. Now that I have finished school and have the time and resources to clear this up, I don't even know where to go from here. I can't get anywhere with the bill collectors (who have started calling my partner's personal cell phone), who claim that the account was paid $100/month for 7 months, and therefore they think that is proof that I did have an account with FCNB. I have explained to them that if the person trying to rip me off had half a brain, that is exactly what he would do, to make it look like a legit account that I simply failed to keep current. They hung up on me.

In October 2007, I requested the current holder of the account-Asset Acceptance, LLC 877-850-0074 to send me the final bill from Crate and Barrel with whom they claim I supposedly had an account. They said it would take up to 120 days to get to me. It never came. I called a couple days ago and requested they send it to me again since I never received it, and they said they had requested it but never received it from Crate and Barrel. Maybe because it DOESN'T EXIST! If I owed them money, I would pay it, but I need them to prove to me that this account really was an account that I opened, and I want to see what I supposedly bought on this (nonexistent) account that was $2400! They can't even show me a bill. I'm not convinced.

The only other option I can think of is to write the attorney general for assistance. I wish there was a class action lawsuit against these people! Is there? Sign me up. All I want is for this account to be wiped off my credit history! Is an accurate credit report too much to ask?!

Krysta
Hilton, New York
U.S.A.

This report was posted on Ripoff Report on 05/07/2008 05:58 PM and is a permanent record located here: http://www.ripoffreport.com/r/FCNB-Crate-Barrel/Portland-Oregon-97238/FCNB-Crate-Barrel-First-Consumers-National-Bank-FCNB-ruins-my-credit-with-allegation-331215. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

What to do..

AUTHOR: Robert - (U.S.A.)

Here is the Simple yet time consuming process you need to do.

The first thing is to send in a Dispute to the Credit Reporting Agencies. State that this is not your account. They have 30 days to respond, most likey it will come back as verified and remain. But now you can do the next step.

Send the collection agency a Debt Validation Request. In the letter state that they must provide the following
1. That they have a right to collect the debt.
2. That the debt is in fact yours, such as a signed agreement or statements
3. That the amount of the debt is correct.

While not directly part of the validation process you should also include in this letter that they are to not contact you or anyone else in reference to this account by phone.

Until they respond with proof they can take no further action against you. If they have not responded after 30 days you can send in another letter to the Credit Reporting Agencies stating that you sent them a debt validation letter and they did not respond. At that time the CRA is required to remove the listing.

One important thing(and the main thing you did wrong) is that you should NEVER talk to these people by phone. The letters you send should always be by Certified Mail with a Return Receipt. This way you have a paper trail that can be followed up.

You can search for information on the FCRA(Fair Credit Reporting Act) and FDCPA(Fair Debt Collection Practices Act) for more information.
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