ill try to keep this as short as possible. Isent a letter to macys/sterns stating the accounts on my credit report were an act of fraud. They in return sent me a letter stating they needed more info and asked me for a copy of my birth cert. and ss card and copy of my drivers license. So i sent it to them crrr. Now the main thing that flags this account as fraud is the fact that the accnt was opened when i was 17 years of age. A minor. Thats y they needed a copy of my drivers lic. I recieved there response to the investigation today and all they state is that they regret to inform me that the fraud investigation has deened this accnt as not beeing fraud. So i called the CS rep and asked what the hell is going on here. She said they recieved a paymnt about a year ago on this accnt so it cant be fraud. So i asked the rep for a copy of the check so i can have a professional look at the signature. They said it was a computer generated check there are no signatures. So i than asked them to send me a copy of the signed application. They said they only keep there records for 2 years.We dont have one. I than asked for some sort of purchase receipt most likely signed the rep said they dont have any. She said "well you called in a few times over a year ago on this accnt y didnt u say it was fraud than. I said well send a copy of the recording to my attorney because you state that calls are monitored and recorded. She said we dont have any. I basically demanded some sort of proof that binds me to this debt that will hold up in a court of law because that is where i am going to take this matter. She said well you do that and hung up. These people have absolutely no proof that i owe this debt, not to mention the fact that i wwas a minor at the time the account was opened up fraudulently. I dont see how they can sit there and tell me i owe a bad debt when they have absolutely no legally binding evidence holding me to this accnt. They have no signatures , no application, no recordings, no statements, no purchase receipts no nothing and the woman sends me a letter stating that they will not release me from this debt. I really need some help on where to go from here . I have never gotten this deep into a dispute before. I want these people to show me proof that i owe this debt or remove it and release me from all aspects of it. And they cant prove it. So y on earth would they keep beating around the bush like this when they know this really was fraud and i honestly do not owe them anything. All suggestions on procedural next step welcomed/ tia
First, is this really fraud? I've seen a few cases where people were able to get credit before they were 18, then try to use that excuse to get out of it. Obviously, that doesn't work. Assuming that this really was opened fradulantly and you had no knowledge of this account, then go to the police and get them to fill out a police report. That will give you much more credibility when you talk to these people, and/or go to court, if it comes to that. HTH, Brett
Unfortunately it doesn't sound like fraud based on the information u provided. It sounds like this account has been open for some time and if u did call in before, they must have records of your calls else how would they know?
I think your first step would be to send them a DV letter. If they say they can't prove it on the phone, then send them a DV and see if they can prove it in writting. Andi
i never used the account...i was in boot camp for the NAVYat the time the accnt was opened and i sent them proof of that.i think i am just going to hire an attorney although i really cant afford it right now
there are two accounts. A macys account and a sterns account that were opened in the same day .Macys owns sterns now so they both show up as macys. One is 315.00....the other is 327.00....
i just dont know how much proof they want from me to show them this is fraud. I mean im waiting for them to ask for a urine sample. all kidding aside they stated in there letter to me that they are considering sending this to collections. Thats the last thing i need. I really wanna get a letter out tonight.
. One is 315.00....the other is 327.00.... I never used the account... joey123 ============= So how can there be either one of these amounts???? THE END ** *** ** LB 59 """""""""```~~~```'""""""""" Stress Test http://webpages.charter.net/hkirtley/stress/01.htm THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
