Need Info For A Friend

[hannah]

Does anyone know the name and addy of the head of the legal department for Applied Card Bank?

[Enigma]

According to Hoover's:


Larry J. Regan
General Counsel
Applied Card Bank
800 Delaware Avenue
Wilmington, DE 19801
Telephone: (302) 326-4200
Fax: 302-467-4985
Larry_Regan@Appliedcardbank.com

[Enigma]

Applied Card Bank
(Formerly Cross Country Bank)
800 Delaware Avenue
Wilmington, DE 19801

Rocco A. Abessinio
Chairman, President & Chief Executive Officer

Telephone: (302) 326-4200

[apexcrsrvc]

Hannah:

ACB's legal department is non-existent by what I could ascertain. They retain local counsel here in Charleston, typically, one of the larger firms such as Jackson-Kelly, Huddleston-Bolen, etc. Check my filings on Pacer and you should be able to find their counsel here in West Virginia.

Sorry, that probably doesn't help much so you'll probably just have to file a Complaint to find out. Not too worry, they're actually reasonable people.

[hannah]

Thanks all! I have a friend that closed her account with Cross Country Bank in 2000 and all of the sudden on her CR's there is a tradeline for both Cross Country and Applied Card. The CCB one is fine. The Applied Card one is not. Not to mention it's the same account. She has disputed with both the CRA's and direct to Applied Card. She had made numerous calls and sent numerous letters. No dice so an ITS is in order.

[spinn]

If your friend has other collection related accounts or her information is with CCB.....it is entirely possible she is the victim of identity theft. You do say it is "the same account", how do you know that, are the account numbers the same?

I got so much grief for apparrent paronoia that I stopped mentioning it.....but employees of collection agencies can, and do, commit identity theft. Thye hate us and they have all of our information.

In other words.....sue them for as much as you can get....twice.

[centex]

Quote:

Originally Posted by spinn I got so much grief for apparrent paronoia that I stopped mentioning it.....but employees of collection agencies can, and do, commit identity theft. Thye hate us and they have all of our information.

employees in ALL fields of employment commit identity theft. And I would opine that the claim that "they hate us" is a vast overstatement. For the majority in the collections field, just as in other fields of employ, it is a paycheck- nothing more, nothing less.

[hannah]

Quote:

Originally Posted by spinn If your friend has other collection related accounts or her information is with CCB.....it is entirely possible she is the victim of identity theft. You do say it is "the same account", how do you know that, are the account numbers the same?

Yes the info is exactly the same except for the fact that the new tradeline is "Open" and reporting a balance. The account was in good standing and paid when closed in 2000. She closed it as it was subprime and she got a prime VISA through her own bank.

Quote:

Originally Posted by spinn I got so much grief for apparrent paronoia that I stopped mentioning it.....but employees of collection agencies can, and do, commit identity theft. Thye hate us and they have all of our information. In other words.....sue them for as much as you can get....twice.

This is the same account and I believe with as much grief as the WV AG put them through that a tersely worded ITS will get this fixed.

[hannah]

Quote:

Originally Posted by centex employees in ALL fields of employment commit identity theft. And I would opine that the claim that "they hate us" is a vast overstatement. For the majority in the collections field, just as in other fields of employ, it is a paycheck- nothing more, nothing less.

You are so right on that, Centex. The position that the collections industry is "out to get us" or has some other agenda is laughable IMHO. It's just a job which they will do anyway they can...although sometimes with ignorance or attitude and consequences for such behavior...

Spinn, please! You don't want to start sounding like Rotty!

[Qtip]

Quote:

Originally Posted by hannah Does anyone know the name and addy of the head of the legal department for Applied Card Bank?

When you say friend, do you mean friend, friend? I did not realize you had friends

Ok I am sorry, I am joking and I take it back. This darn Jlynn is contagious "taking over threads and all", I really could not help myself.

Now back to our discussion of Applied Card Bank!!!


Sorry for the interruption

[hannah]

Quote:

Originally Posted by Qtip When you say friend, do you mean friend, friend? I did not realize you had friends

<hannah is considering a trip to warmer climes with weaponry>

[Qtip]

Quote:

Originally Posted by hannah <hannah is considering a trip to warmer climes with weaponry>

[hannah]

Quote:

Originally Posted by Qtip

Not quite the weapon I had in mind but I suppose I could always get you toasty and then take you snipe hunting...

[spinn]

The only person I admire more than Rotty is Rosie Odonnell.....

As for the hatred I was quoting myself after talking to one of the humanitarians attempting to collect a ten year old debt that isnt mine...trust me, they hate me.

For the identity theft aspect I was quoting Ira Rheingold, General Counsel of the National Association of Consumer Advocates.

This happens much more in the collections industry than any other.

Quote:

Originally Posted by hannah You are so right on that, Centex. The position that the collections industry is "out to get us" or has some other agenda is laughable IMHO. It's just a job which they will do anyway they can...although sometimes with ignorance or attitude and consequences for such behavior... Spinn, please! You don't want to start sounding like Rotty!

[apexcrsrvc]

Quote:

Originally Posted by hannah Yes the info is exactly the same except for the fact that the new tradeline is "Open" and reporting a balance. The account was in good standing and paid when closed in 2000. She closed it as it was subprime and she got a prime VISA through her own bank. This is the same account and I believe with as much grief as the WV AG put them through that a tersely worded ITS will get this fixed.

Hannah:

You hit on the golden ticket above. Have your friend draft and dispatch communications to Rocco wherein they mention that all consumer debt in the State of West Virginia, prior to 2003 or thereabout, was to be forgiven and any corresponding tradelines related to said debts were to be deleted pursuant to a settlement reached with Darrell McGraw. This tends to get asses moving and tradelines deleted in about 10 days as a "matter of courtesy."

I'm sleepiing well at night and I hold no reservations about their courtesy notwithstanding the fact that they would like to maintain and operate their collection nerve center out of Huntington. Glad I'm not the cynical type . . .

[jlynn]

Quote:

Originally Posted by Qtip This darn Jlynn is contagious "taking over threads and all",

[hannah]

Quote:

Originally Posted by apexcrsrvc Hannah: You hit on the golden ticket above. Have your friend draft and dispatch communications to Rocco wherein they mention that all consumer debt in the State of West Virginia, prior to 2003 or thereabout, was to be forgiven and any corresponding tradelines related to said debts were to be deleted pursuant to a settlement reached with Darrell McGraw. This tends to get asses moving and tradelines deleted in about 10 days as a "matter of courtesy." I'm sleepiing well at night and I hold no reservations about their courtesy notwithstanding the fact that they would like to maintain and operate their collection nerve center out of Huntington. Glad I'm not the cynical type . . .

I'm not sure that ALL consumer debt was forgiven...I believe it was just the ones who had filed complaints with the AG prior to him filing suit against CCB. Could you find out for me? I could call Norman but you know him better than I.

[apexcrsrvc]

All consumer debt according to Tony Majestro and I wouldn't say I know Norman better than you.

[hannah]

Quote:

Originally Posted by apexcrsrvc All consumer debt according to Tony Majestro and I wouldn't say I know Norman better than you.

Do you have a link to the settlement? Wonder if it's on Lexis...

[Pale Rider]

http://www.wvs.state.wv.us/wvag/pres...untryorder.htm - Order

http://www.wvago.us/consumernews/vie...=cross+country - Settlement

http://www.wvago.us/consumernews/vie...=cross+country - this one cancelled the debt of 3500 WV residents, but it was against CCB and Midland.

[apexcrsrvc]

I've used the settlement in question to delete some client's tradelines which were placed by Applied Card Bank.

They delete the tradelines as a matter of "courtesy."

[hannah]

The tradeline popped up on TU and it had only previously been on EX and EQ. She disputed it on Saturday and is now waiting for results of investigation. Will send letters when we get results of that.

Thanks Apex! Gonna be in today? No school, MLK day so perhaps I'll call you...

And PR, thanks for the links!