• Report: #228323

Complaint Review: First Consumers Bational Bank

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  • Submitted: Tue, January 02, 2007
  • Updated: Fri, June 29, 2007

  • Reported By:Manassas Virginia
First Consumers Bational Bank
P.O. Box 5811, Hicksville, New York U.S.A.

First Consumers National Bank going bankrupted, they agreed to a certain amount paid and they would write off the balance with the understanding my credit would not be damaged. Hicksville New York

*Consumer Suggestion: File a dispute with the credit bureau

*Author of original report: UPDATE

*Author of original report: UPDATE

*Author of original report: UPDATE

*Consumer Suggestion: Diana, you have a right to sue them under the FCRA!

*Consumer Suggestion: Diana, you have a right to sue them under the FCRA!

*Consumer Suggestion: Diana, you have a right to sue them under the FCRA!

*Consumer Suggestion: Diana, you have a right to sue them under the FCRA!

*Consumer Suggestion: It was more than 7 years ago.

*Consumer Suggestion: Old Credit Card Diana

*Consumer Comment: Need more specific info

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In 1997, Co was going under and when we got a new credit card from another co. we offered to pay what we could off on this acct because they were harassing us about paying the minimum because they were going bankrupt when we were paying it.

The agreement was they were to still leave this as good credit after what was agreed to be paid and the balance would be written off. I didn't look at my credit report for years, trusting this co that they would be leaving me in good standing.

instead after applying for a new loan in 2006 I see on my credit report this year this First Consumers Natl Bank left me with poor credit.I have all my information on this still and I hope to move forward with some complaints on them and anything else I can!!

Diana
Manassas, Virginia
U.S.A.

This report was posted on Ripoff Report on 01/02/2007 02:02 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-Consumers-Bational-Bank/Hicksville-New-York-11802/First-Consumers-National-Bank-going-bankrupted-they-agreed-to-a-certain-amount-paid-and-t-228323. 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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REBUTTALS & REPLIES:
0Author 11Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

File a dispute with the credit bureau

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

Why waste time filing a suit?

Call the credit bureau and demand they remove the item 10 years old.

Someone can try and post something over 7 years old, but the credit bureau (Equifax, Experian, Trans Union, Innovis) is ultimately the one required to refuse to post.

Good Luck,
Scott
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#2 Author of original report

UPDATE

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

The correct address to the First Consumers Nat'l Bank is 9300 SW Gemini Dr Beaverton, OR 97078
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#3 Author of original report

UPDATE

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

The correct address to the First Consumers Nat'l Bank is 9300 SW Gemini Dr Beaverton, OR 97078
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#4 Author of original report

UPDATE

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

The correct address to the First Consumers Nat'l Bank is 9300 SW Gemini Dr Beaverton, OR 97078
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#5 Consumer Suggestion

Diana, you have a right to sue them under the FCRA!

AUTHOR: Steve [Not A Lawyer] - (U.S.A.)

Diana,

Maximum negative credit reporting is 7 years from date of default.

If you defaulted on this in 1997, It would have been removed in 2004-2005 by law. Therefore, in 2006 this can have no negative affect on your credit.

Everything else is irrelevant.

Sue them for the violation of your rights under the FCRA.

And it makes no sense for the creditor to have harassed you about making only the minimum payment due to them going bankrupt.

All you have to do is dispute the entry to the credit bureaus as too old, and must be removed. Do this by certified mail, return reciept requested. put the certified# on the letter itself, and keep a copy for your records. Then when they fail to fix it within 30 days, you sue them too.

You might as well get paid by all who violate your rights.

Good luck.
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#6 Consumer Suggestion

Diana, you have a right to sue them under the FCRA!

AUTHOR: Steve [Not A Lawyer] - (U.S.A.)

Diana,

Maximum negative credit reporting is 7 years from date of default.

If you defaulted on this in 1997, It would have been removed in 2004-2005 by law. Therefore, in 2006 this can have no negative affect on your credit.

Everything else is irrelevant.

Sue them for the violation of your rights under the FCRA.

And it makes no sense for the creditor to have harassed you about making only the minimum payment due to them going bankrupt.

All you have to do is dispute the entry to the credit bureaus as too old, and must be removed. Do this by certified mail, return reciept requested. put the certified# on the letter itself, and keep a copy for your records. Then when they fail to fix it within 30 days, you sue them too.

You might as well get paid by all who violate your rights.

Good luck.
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#7 Consumer Suggestion

Diana, you have a right to sue them under the FCRA!

AUTHOR: Steve [Not A Lawyer] - (U.S.A.)

Diana,

Maximum negative credit reporting is 7 years from date of default.

If you defaulted on this in 1997, It would have been removed in 2004-2005 by law. Therefore, in 2006 this can have no negative affect on your credit.

Everything else is irrelevant.

Sue them for the violation of your rights under the FCRA.

And it makes no sense for the creditor to have harassed you about making only the minimum payment due to them going bankrupt.

All you have to do is dispute the entry to the credit bureaus as too old, and must be removed. Do this by certified mail, return reciept requested. put the certified# on the letter itself, and keep a copy for your records. Then when they fail to fix it within 30 days, you sue them too.

You might as well get paid by all who violate your rights.

Good luck.
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#8 Consumer Suggestion

Diana, you have a right to sue them under the FCRA!

AUTHOR: Steve [Not A Lawyer] - (U.S.A.)

Diana,

Maximum negative credit reporting is 7 years from date of default.

If you defaulted on this in 1997, It would have been removed in 2004-2005 by law. Therefore, in 2006 this can have no negative affect on your credit.

Everything else is irrelevant.

Sue them for the violation of your rights under the FCRA.

And it makes no sense for the creditor to have harassed you about making only the minimum payment due to them going bankrupt.

All you have to do is dispute the entry to the credit bureaus as too old, and must be removed. Do this by certified mail, return reciept requested. put the certified# on the letter itself, and keep a copy for your records. Then when they fail to fix it within 30 days, you sue them too.

You might as well get paid by all who violate your rights.

Good luck.
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#9 Consumer Suggestion

It was more than 7 years ago.

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

Bad credit like this must be removed from your credit reports after 7 years. So you just need to write to the credit reporting agencies and tell them the account is "obsolete" and must be removed. Before you do that though, get copies of all 3 credit reports and save them in case someone (illegally) tries to change the date so it is less than 7 years.
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#10 Consumer Suggestion

Old Credit Card Diana

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

Plain and simple where you reside.

The statute of limitations in VA is 3 years and the debt is no longer valid. You can clear all your reports as regards to this.

Sincere,

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#11 Consumer Comment

Need more specific info

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

How are they reporting it "bad" on your credit? Are they reporting it as a settled account? If so that is correct because that is what you did, you settled for less then the balance with them.

If they told you paying less then the balance you owed would not affect your credit, they lied at that point.
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