Lisa
Lebanon,#2Author of original report
Fri, March 02, 2007
Julie, Yes, they can report to the credit bureaus. However if you reported the fraud to your bank, then you can attain documentation to be able to make the necessary adjustments to your credit report. You have the right to put comments directly on your credit report. However, I believe that if it is refelected on the credit report and you have the documentation from your bank where you reported it, then you can present it to the credit bureau that it was reported to and have it removed. Be sure and check all three credit bureaus when you check the credit report. Some companies do not report to all three, so you might not have too much of a difficult time combating the situation. Also ask your bank for advice on how to go about dealing with the credit bureaus if necessary. The banks are very helpful with advice on how to deal with having inaccurate reportings on credit reports. Good Luck, and I hope those fiends don't attempt to report the situation to the credit bureaus', if they did you have quite a strong case in your situation. Lisa
Julie
Marietta,#3Consumer Comment
Thu, March 01, 2007
The main reason my boyfriend got the first national card was to build his credit(thats what they said). He was only supposto pay $99 a year not $300 as he sent them a fax. Of course they said they never recieved it. There was other fraudelent activity around the same time over $1,000, he closed account. But somehow got payment reversed from CCS- So CCS turned around and sent a bill for the $300 plus an additional $177 the next month. We weren't sure even though they are fraud if they can somehow report to the credit agencys that he owes them these ridiculous fees. Thanks- Julz
Lisa
Lebanon,#4Consumer Suggestion
Wed, February 28, 2007
Julie from Marietta Ga., There should be no reason for the bank refunding your monies to be reflected on your boyfriends credit report. All banks have a fraud department that are equipped to deal with this type of situation. They will conduct their own investigation and take whatever steps they deem necessary to regain their loss. They will file a Federal Regulation E Report. I'm not sure what authorities they file with, but I'm confident that there should be no repercussions to the credit report in question, provided your complaint was a legitimate one. But, just to ease your mind, If I had the same concerns I would talk to my bank and get the minute details of what consequences their course of action will have on you or rather your boyfriends financial records. Sincerely, Lisa Lebanon Tn.
Julie
Marietta,#5Consumer Comment
Wed, February 28, 2007
I wrote a report under "CCS first national" and noticed "CCA first national" had the same type of complaints but different p.o. boxes. I was asking if they were the same but nobody responded. Im going to file a complaint. We got our money back from the bank but are worried that it will go on my boyfriends credit. DO you know if thats true? Thanks