• Report: #606816

Complaint Review: TOTAL CARD INC

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  • Submitted: Mon, May 24, 2010
  • Updated: Mon, May 24, 2010

  • Reported By: D. Rivera — Bridgeton New Jersey USA
TOTAL CARD INC
5109 S BROADBAND LN SIOUX FALLS, South Dakota United States of America

TOTAL CARD INC DOES NOT STAND BEHIND THOSE EMPLOYED TO COLLECT ON DEBTS OWED TO THEM SIOUX FALLS, South Dakota

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ACCT # XXXX XXXX 1068 6225 WAS COLLECTED ON BY ZENITH ACQUISITIONS THROUGH A BUISNESS RELATIONSHIP BETWEEN TOTAL CARD & ZENITH. IT WAS OFFERED THAT IF I PAID THE DEBT IN FULL AS OPPOSED TO SETTLING THE DEBT I COULD HAVE THE PLAINS COMMERCE BANK / TOTAL CARD TRADELINE REMOVED FROM MY CREDIT REPORT. I TOOK ADVANTAGE OF THIS OFFER HOWEVER THE ACCOUNT IS STILL REPORTING ON MY CREDIT BUREAU REPORTS AS A PAID CHARGE OFF. WHEN I CONTACTED TOTAL CARD I WAS TOLD THAT CREDIT REPORTING WAS HANDLED BY THEIR SECURITY DEPARTMENT. THE REP I SPOKE WITH PASSED THE BUCK SAYING THAT I NEEDED TO TAKE IT UP WITH ZENITH HOWEVER THEY ARE THE COMPANY REPORTING IT. I ASKED TO SPEAK WITH A SUPERVISOR WHO I HAD ASKED TO INVESTIGATE THE TRADELINES AND THEY TOLD ME THEY ARE NOT RESPONSIBLE FOR WHAT THEIR COLLECTORS OFFERED. I TOLD THEM IF THEY WOULD NOT SHOW ME DOCUMENTATION TO SUPPORT THE TRADELINE THAT I WOULD SUE THEM PER THE FCRA FOR AN ORDER TO HAVE THEM DO SO. THE SUPERVISOR THEN THREATENED ME SAYING THAT I WOULD THEN BE FORCED TO PAY THEIR LEGAL BILLS. ALL THIS OVER A CREDIT CARD THAT WAS PAID IN FULL AND HAD NEVER BEEN USED IN THE FIRST PLACE. FURTHERMORE THERE ARE SO MANY ACCOUNTS ON MY CREDIT REPORT I AM NOT EVEN SURE THAT THIS ONE WAS AUTHORIZED AS I HAD DECLINED TO PROSECUTE A RELATIVE FOR IDENTITY THEFT MY MOTHER HAD ALLOWED TO LIVE WITH US SEVERAL YEARS AGO. AS I DID NOT WANT TO PROSECUTE A RELATIVE MY MOTHER PAID ALL BILLS HE RACKED UP IN MY NAME AND NOW THIS COMPANY REFUSES TO STAND BEHIND COLLECTORS COLLECTING ON THEIR ACCOUNTS.

This report was posted on Ripoff Report on 05/24/2010 04:13 PM and is a permanent record located here: http://www.ripoffreport.com/r/TOTAL-CARD-INC/SIOUX-FALLS-South-Dakota-57108-2208/TOTAL-CARD-INC-DOES-NOT-STAND-BEHIND-THOSE-EMPLOYED-TO-COLLECT-ON-DEBTS-OWED-TO-THEM-SIOU-606816. 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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