• Report: #141658

Complaint Review: FLEET CREDIT CARD

  • Submitted: Thu, May 05, 2005
  • Updated: Tue, May 24, 2005

  • Reported By:CREST HILL Illinois
FLEET CREDIT CARD
PO BOX 15480 WILMINGTON, Delaware U.S.A.

FLEET CREDIT CARD, BANK OF AMERICA RIPOFF REPORTED BANKRUPTCY TO CREDIT BUREAU AND I HAVE NO ACCOUNT WILMINGTON Delaware

*Consumer Suggestion: Don't pay these thieves

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I HAVE BEEN DISPUTING THE ACCOUNT, THAT I HAVE NEVER OWNED OR HAD A SIGNATURE CARD ON, FOR THE PAST TWO YEARS. FLEET HAS CONTACTED ALL 3 CREDIT BUREAUS STATING I HAD AN ACCOUNT WITH THEM AND HAD NOT PAIDON. THEY WROTE THE ACCOUNT OFF AND HAD A COLLECTION AGENCY BUY THE ACCOUNT. FOR 2 YEARS THEY HAVE BEEN TRYING TO COLLECT, I HAD TO GO TO COURT WITH THE COLLECTION AGENCY. WHEN ASKED FOR MY SIGNATURE CARD NOTHING COULD BE PRODUCED. THE LAWSUIT WAS DISMISSED WITHOUT PREJUDICE, WHICH MEANS THEY HAVE NO PAPERWORK, BUT MAYBE WITHIN ONE YEAR THEY CAN FIND SOME. THAT MEANS I STILL HAVE TO GO BACK TO COURT AND HAVE SUIT DISMISSED. I HAVE PAID LAWYERS FEES FOR 2 YEARS AND STILL DO NOT HAVE MY CREDIT FIXED. I HAVE HAD CARDS CANCELLED AND INTEREST RATES RAISED.

THES ISSUES YOU THINK SOME LAW FIRM WOULD DO A CLASS ACTION SUIT FOR DECEPTIVE PRACTICES.

WHAT IS FAIR IN LIFE

David
CREST HILL, Illinois
U.S.A.

This report was posted on Ripoff Report on 05/05/2005 12:45 PM and is a permanent record located here: http://www.ripoffreport.com/r/FLEET-CREDIT-CARD/WILMINGTON-Delaware-19850-3839/FLEET-CREDIT-CARD-BANK-OF-AMERICA-RIPOFF-REPORTED-BANKRUPTCY-TO-CREDIT-BUREAU-AND-I-HAVE-141658. 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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0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Don't pay these thieves

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

I'm amazed by the number of folks who actually try to pay these Credit cards off.

When they changed the terms THEY voided the contract.

Simply don't pay them, write to the credit card company and state "These new terms are unacceptable, I DISPUTE THESE CHARGES (Magic phrase)

And then simply calculate your interest yourself, when you have paid off the loan at THE ORIGINAL INTEREST RATE, stop paying (Do not forget to include the interest that they charge on the interest, Ir's a huge sum)

What can they do?

They've already ruined your credit.

They've reported you to the credit reporting companies.

And as the sum remaining IS DISPUTED (again magic words) they can't collect.

Oh they'll try, turning the remaining sum over to a collection agent (Illegal for disputed, but they don't bother following any rules) and trying to jack up endless "Late" and "Overlimit" fees, just ignore them. They've already hurt you as much as they can.

You see credit cards are considered "Signature" loans, meanung there's nothing backing them up, such as when you get a home loan and the property is collateral, but "Signature" loans have NO collateral to go after.

That also means that they cannot Garnish salary, put a lein on your property, or all the other lies they will tell you that they "Can" do, (They Lie).

The best tactic I know of is that when the collectors call, state that there is no ammount fue, this is in dispute and then hit the 1 button on your phone, and hold it down (It screams in their ear) untill THEY have to give up.

I've also had good results by using the star 69 feature to recall the collectors, and let the 1 button trick scream in THEIR ears untill THEY again give up.

I actualy had one to put my telephone number on "Do not receive" to their office, a clear success.

Just use this tactic when they have nothing to collect, (Home, car, property, etc) and be sure to state "This is in dispute and unowed" EVERY SINGLE TIME THEY TRY TO FORCE PAYMENT OF THEIR THEFT.

That should put these thieves out of business shortly,
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