- Report: #259258
Report - Rebuttal - Arbitrate
Complaint Review: CREDIGY RECEIVABLES - FIRST SELECT - METRIS
CREDIGY RECEIVABLES - FIRST SELECT - METRIS3950 JONS CREEK C, #100 SUWANEE, Georgia U.S.A.
CREDIGY RECEIVABLES - FIRST SELECT - METRIS Corporate crooks raking in millions with fraudulent claim of debt ripoff SUWANEE Georgia
*Consumer Suggestion: How to delete the file
*Author of original report: PROVIDIAN FESSED UP IN CLASS ACTION SUIT
*Author of original report: Just for grins!
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I was extremely busy working the hurricanes when I let a letter dated 12/13/2005 from Credigy Services Corp. go without disputing. This time they listed it as Our Client/Current Creditor; Credigy Receivables, Inc., Original Creditor: Metris, Original Acct. #; xxxxx42751, and balance as of today $30,915.16. I received another Credigy Services Corp. statement/letter dated January 17, 2006 with the information as listed in Dec. 2005, however, the balance as of today; $31,387.78.
I am amazed that large corporations are allowed to have business practices which purposefully deceive, defraud, and attempt to ruin peoples credit. I have never had a Metris, Providian (my research shows they may have been purchased by Metris), First Select credit card(s). In the eighteen months it has gone from balance at assignment of $11,914.22 in Jul 2000 to a whopping $31,387.78.
I disputed the report item(s) with all 3 CRA's. Credigy did not validate the debt and the item was deleted from all 3 CRA's. Now...as I go back I can see that they have placed the item under different names, acct. #'s, and balances.
A huge sigh of relief that all CRA's deleted the fraudulent items and moved on with life. So wouldn't you know it those scoundrels are at it again.
I received letter/stmt. dated Jun 6, 2007 listing Metris (oddly not First Select) w/ balance as of today at $39,798.33.
On Equifax response on page 1 the item was deleted for Metris #6810001658, however, you go to pg. 3 and 1st Select (note not listed as First Select and location is Pleasanton, CA),#416810001658* was reported on 5/2003 for $549 showing date opened 4/2001 (recall the debt validation ltr stated date of assignment Jul 2000 with acct. #xxxxxx16589796 adding last 4 digits when they like) Equifax listed addtl info; credit card;acct transferred or sold, however, the only listed dollar amount is under category "Scheduled Payment Amt" No amount listed under category amt past due, nothing for date of last pymt, nothing for date of last activity, nothing for date maj. del. 1st rprtd, nothing for charge off amount. Odd at the very least.
Experian report listed item investigated Providian Financial #416810001658 deleted 4/29/2006. But a response letter from Experian report dated 4-28-2006 stated they investigated item Credigy Receivables 416810001658 and verified its accuracy. I have Transunion report dated 3/10/2006 w/ investigation results for item Credigy #4188100016589796 deleted. On this same report pg. 3 they list Providian #4168100016589796 date opened 4/2001 date closed 5/2003 high bal. $11,914 pay status unrated, remarks purchased by another lender.
You can see it's like a shell game w/ the acct. #'s, original creditor, and the dates. This I am certain is a violation for fair credit practice for SOL's.
How can they do this time and again in multiple states and get by with it???? I cannot understand the process. It is clear that they are going to attempt to reinsert the deleted invalid debt onto the CRA's and begin this whole wretched cycle of proving the inaccuracies. It is insane!!!
Fair Oaks, California
This report was posted on Ripoff Report on 07/07/2007 07:09 AM and is a permanent record located here: http://www.ripoffreport.com/r/CREDIGY-RECEIVABLES-FIRST-SELECT-METRIS/SUWANEE-Georgia-30024/CREDIGY-RECEIVABLES-FIRST-SELECT-METRIS-Corporate-crooks-raking-in-millions-with-fraud-259258. 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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