Comments on: The Credit Card Nightmare http://www.findsecuredcards.com/blog/the-credit-card-nightmare/ A blog that helps consumers learn how to rebuild their credit. Sat, 13 Mar 2010 16:27:25 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: admin http://www.findsecuredcards.com/blog/the-credit-card-nightmare/comment-page-1/#comment-2110 admin Wed, 19 Aug 2009 19:09:02 +0000 http://www.findsecuredcards.com/blog/?p=116#comment-2110 Hi Ronni, I read through your message, and I would highly advise that you find an attorney to fight this one. Good luck! Hi Ronni,

I read through your message, and I would highly advise that you find an attorney to fight this one. Good luck!

]]> By: Ronni http://www.findsecuredcards.com/blog/the-credit-card-nightmare/comment-page-1/#comment-2109 Ronni Tue, 18 Aug 2009 23:44:25 +0000 http://www.findsecuredcards.com/blog/?p=116#comment-2109 My Mother died August 27, 2006. My Brothers and I had to settle her estate issues. My oldest Brother was the executor of the estate and asked me to help him. My Mother only had one credit card through her credit union and we went there in person. My Brother and I spoke to the Vice President of the bank and he immediatly wanted to know how we were going to pay for her credit card. ( $4012.00 ) The three of us were jointly on her savings account at the credit union, but not on her visa account with her. I negotiated with the Vice President that we would pay her credit card off, if they would take off the fees and interest and he agreed to that verbally. I gave him my address to send all statements to because my Brother asked me to settle this for him.The next Bank/Visa statement I received had my name on the Visa account instead of my Mother’s. I showed my Husband and he was furious about the name switch and told me to call the Bank that day and fix it. I called and spoke to the Vice president again and was very angry and expressed that this could not be legal at all. He appolgized and seemed like he did’nt know how that happened. He promised it would be corrected that day and asked when I was going to pay it off. I mentioned to him that nothing was taken off the balance and it seemed that even more fees were put on. I also let him know that this was not my credit card and he should be thankful we were willing to pay it off. He said that the next statement would show a deduction. The next statement did show that the Bank took my name off and put my Mother’s name back on, but did not show any deductions. I waited another Month and still nothing, so I called a Friend who was a Assisstant States Attorny and told him the story. He was shocked that the Bank switched our names on the Card. I told him by this time 3 months later I received a letter from thier Attorny. I did not pay this debt due to the shady way they handled the situation. I recently checked my credit with all three credit buroughs and to my surprise and anger found this same credit card tarnishing my credit. My question is, how do banks get away with such disregard for the law. I want to know what I can do about this because I had know idea it was on my credit. I’ve had know reason to check it , but now my Husband and I want to refinance. If anyone has advice please pass it on. Thank You My Mother died August 27, 2006. My Brothers and I had to settle her estate issues. My oldest Brother was the executor of the estate and asked me to help him. My Mother only had one credit card through her credit union and we went there in person. My Brother and I spoke to the Vice President of the bank and he immediatly wanted to know how we were going to pay for her credit card. ( $4012.00 ) The three of us were jointly on her savings account at the credit union, but not on her visa account with her. I negotiated with the Vice President that we would pay her credit card off, if they would take off the fees and interest and he agreed to that verbally. I gave him my address to send all statements to because my Brother asked me to settle this for him.The next Bank/Visa statement I received had my name on the Visa account instead of my Mother’s. I showed my Husband and he was furious about the name switch and told me to call the Bank that day and fix it. I called and spoke to the Vice president again and was very angry and expressed that this could not be legal at all. He appolgized and seemed like he did’nt know how that happened. He promised it would be corrected that day and asked when I was going to pay it off. I mentioned to him that nothing was taken off the balance and it seemed that even more fees were put on. I also let him know that this was not my credit card and he should be thankful we were willing to pay it off. He said that the next statement would show a deduction. The next statement did show that the Bank took my name off and put my Mother’s name back on, but did not show any deductions. I waited another Month and still nothing, so I called a Friend who was a Assisstant States Attorny and told him the story. He was shocked that the Bank switched our names on the Card. I told him by this time 3 months later I received a letter from thier Attorny. I did not pay this debt due to the shady way they handled the situation. I recently checked my credit with all three credit buroughs and to my surprise and anger found this same credit card tarnishing my credit.
My question is, how do banks get away with such disregard for the law. I want to know what I can do about this because I had know idea it was on my credit. I’ve had know reason to check it , but now my Husband and I want to refinance. If anyone has advice please pass it on.
Thank You

]]> By: Koodozhnik http://www.findsecuredcards.com/blog/the-credit-card-nightmare/comment-page-1/#comment-958 Koodozhnik Thu, 22 Jan 2009 15:36:59 +0000 http://www.findsecuredcards.com/blog/?p=116#comment-958 CREDIT CARDS ARE PREDITORY LENDING! PAY CASH AND DO WITHOUT GADGETS, PICKING UP DINNER TABS, SPORTING EVENT TICKETS, SHOPPING SPREES BECAUSE YOUR DICKHEAD FRIENDS WANT TO, VACATIONS, GIFTS FOR UNGRATEFUL ASSED KIDS, NEW CARS, AND OTHER MEANINGLESS CRAP THAT SERVES NO FUNCTIONAL PURPOSE AND YOU WONT HAVE CREDIT CARD PROBLEMS. PLUS THE $1000,000.00 A YEAR SCUMBAG EXECS WHO RUN THESE CREDIT CARD COMPANIES WIL BE OT OF WORK BECAUSE THEY WILL BE SHUT DOWN. IN OTHER WORDS..... AMERICA TAKE YOR HEAD OUT OF YOUR ASS!! CREDIT CARDS ARE PREDITORY LENDING! PAY CASH AND DO WITHOUT GADGETS, PICKING UP DINNER TABS, SPORTING EVENT TICKETS, SHOPPING SPREES BECAUSE YOUR DICKHEAD FRIENDS WANT TO, VACATIONS, GIFTS FOR UNGRATEFUL ASSED KIDS, NEW CARS, AND OTHER MEANINGLESS CRAP THAT SERVES NO FUNCTIONAL PURPOSE AND YOU WONT HAVE CREDIT CARD PROBLEMS. PLUS THE $1000,000.00 A YEAR SCUMBAG EXECS WHO RUN THESE CREDIT CARD COMPANIES WIL BE OT OF WORK BECAUSE THEY WILL BE SHUT DOWN.

IN OTHER WORDS…..

AMERICA TAKE YOR HEAD OUT OF YOUR ASS!!

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