We have no record of a request for debt validation on these calls.Īs the complaint indicated that the customer never had an account, we completed an investigation for identity theft.
Due to the status of the account, the customer was advised that it would be transferred to the agency Financial Business and Consumer Solutions (****) who could assist with this request, and they were provided with the phone number for ****. The customer recently spoke with representatives of the third party collection agency Carson Smithfield, LLC, which had previously serviced the account, requesting to settle or pay the account in full. In each instance, the account was reviewed and responses were provided directly to the CRAs confirming that the account is reporting accurately.
#Cardworks merrick bank verification#
We also received the customers Automated Consumer Dispute Verification (ACDVs) forms filed through the Consumer ****************** (CRAs) disputing the reporting of the account.
At charge-off, ownership of the account was transferred to ******** Credit ************* Trust I.Ī prior request was received for debt validation, and a response was provided to the customer. Due to non-payment, the account charged off with an outstanding balance. Subsequently, the account was used for purchases and payments were applied to the balance. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature, contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation. The application does not include a handwritten signature. Our records indicate that this account was opened with ******************* with an electronic application. A response with debt validation documentation was provided directly to the customer. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.Īs a matter of policy, BBB does not endorse any product, service or business.********************************** - Account Ending In **** BBB Business Profiles are subject to change at any time.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.īBB Business Profiles generally cover a three-year reporting period. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. This is a scam and if anyone needs to speak to the fraud ***** its this organization!!!!īBB Business Profiles may not be reproduced for sales or promotional purposes.īBB Business Profiles are provided solely to assist you in exercising your own best judgment. They have reported the acct to credit bureaus as a balance of 425 and closed, keep in mind I have no way of viewing the acct because they restricted it online, and how can I pay it, the acct was linked to my checking acct and I would pay online. Now I have no access to my acct online they restricted it, no one will tell me how I can pay the remaining balance, they tell me to hold and never come back. I told them no they wont be seeing my bank statements, no other creditors have demanded such nonsense, and I told them I would pay the remaining balance if any and close the acct. They restricted my account and made me sit on hold for over 2 hrs to speak to someone in fraud department who asked me to send my bank statements along with a letter from my bank that I have been paying my account from my bank acct. Zero Star!!!! I always paid off credit card acct on time or before it was due, they recognized it and increased my credit line, I started using the card more often since having a higher limit, still paying off each month.
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