In 2001 I had a Capital One low limit credit card. It was for emergencies. I had the card for 2 years and consolidated under an account with GoldenWest Credit union. THe account was closed and paid off by the Credit Union.
I received a visit from a Jersey Shore clone two months ago delivering a court summons from Johnson Mark LLc. It was after hours on a Friday night and left a message inquiring if they had the right person. The account number information was missing on the form. Tuesday came and I had not heard back. I spoke to a very curt woman claiming they have delivered documentation two years ago to my place of residence and it was signed for by me..
I have lived there 17 years and have the same phone number since i moved there. Ihave never received any documentation of this or phone calls. I was told I could settle ASAP if I paid in full for 1900.00 cash. I told the woman that I dont have a Capitol One Card and it was paid in full. I asked for information since I have a monitoring service on my credit with my mortgage. THere is nothing on it. I was told i had to go to court or pay. I said I needed written documentation of the account number and why they have this account. SHe said they would send it but plan to be in court.
I received a letter in the mail stating the account has been verified by the client and the charges are correct. No account information no contact information. I pulled my paperwork on my old card, and went to my credit union to get the loan documentation and payoff verification in case. I also provided a copy of my credit report. I went in person to their offices which isnt too far from where I live. Not a professional office at all. THe employees all looked like recovering addicts, jittery and harsh. They wanted to keep the documentation.
I did not want to give it to a clerk. I wanted to give it to a lawyer. I found out none of the people are lawyers. So I gave the paperwork copies to a woman saying she was handling my file. She said they would look at this and get back to me in the coming days. No calls. I called that Friday to inquire. I was told the information I provided was for a different account than the one they are pursuing. I said ive only had one account with capitol one and this is it. Once again i was told they would look further into it.
I received a phone call requesting a call back. I called and I was advised i needed to pay on the debt or i had to appear in court. Ive contacted an attorney and they are working with me. I found out that when they say the client agrees to a settlement, the client is Johnson Mark! THey have already paid for the account for next to nothing and my account is an electronic file with account info, date opened/closed, collections, ssn, address and almost nothing else. No real way to prove it is mine OR me to prove it isnt my account. They are crooks.