In fact I HAD actually paid the internet company the $26 but it had gone to a debt collector because I paid it late. When I went to buy my first home I was initially denied clearance because of a supposed outstanding payment of $26 to an internet company many years prior. Hey, it's technically not over either, so I'll reference all of your comments again if the worse does happen! This resolution was very anti-climatic, but I'm relieved that I didn't have to put up a fight. I highly appreciate all of your help and advice about this! It was all very interesting and useful to read through. The account security agent apologized for the confusion, told me I didn't need to worry about the amount statement for now, and said that they will call if they need anything more from me. My case was closed, the letter was autosent, and then a few days later my case was reopened because they received the additional information. Well, turns out, VS sent that letter prematurely. However, I got all my paperwork in order, got all my reports filed, put on my battle paint, and I went into the call ready for war! However, yesterday I received a letter from Victoria's Secret saying that they found no basis for my fraud claim and they will continue to send statements.ĭo they have any power over me, since every other credit institution agreed that this account was fraud? Victoria's Secret was the first company I contacted about this, and they told me that they had flagged the account for fraud and even helped inform me about the first steps to take to report this identity theft.ĮDIT: Hey everybody, I'm sorry for the delay of update. In the end, all 3 credit bureaus agreed with me that this card was opened fraudulently and the account was deleted from my credit records. I went the whole 9 yards contacting everyone I was told to contact to get this reported for fraud. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit.īack in April, a Victoria's Secret credit card was opened fraudulently in my name, and the theft made a $182 purchase on the card. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.The FDIC will audit the banks' refund efforts. Cardholders may be due a refund for more than one violation. The misstatements often occurred when cardholders were transferred to third-party salespeople after calling to activate their cards, the FDIC said. The order also states that the banks must clearly explain all the requirements that cardholders must meet in order to receive account credits or gift cards that are promoted as incentives to enroll in Account Assure. Promising gift cards or account credits for enrolling in the program.Assuring customers fee refunds would be issued to those who canceled coverage within 30 days.Telling customers they wouldn't be charged a fee if they didn't carry a balance.The FDIC says the Comenity units violated the Federal Trade Commission Act by falsely: Refunds will begin after the FDIC approves a refund plan to be submitted by the company within 30 days. People with a current account should receive a statement credit, while others should receive a check by mail, the FDIC said. The violations occurred between January 2008 and September 2014. "Consumers who are eligible for relief under the settlement are not required to take any action to receive restitution," the FDIC announcement said. Consumer Financial Protection Bureau, the two Comenity units stood behind about 150 store cards as of the first quarter of 2014. According to documents on file with the U.S. The banks, units of Alliance Data Systems Corp., back cards from niche retailers ranging from Abercrombie and Victoria's Secret to Zgallerie.
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