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Question
I received a capitalone card in the mail in 2003, i cut it up and threw it away, 3 months later i started getting bills from them. I tried to contact them and was directed to a collection agency which when contacted told me i needed to call CapitalOne, and thus began a viscous 5 year cycle that has ended up on my credit report saying i owe Capitalone $500. Help me, please
Ms. Csonka:
Did you apply for the card and if so, did it have an annual fee? We need to know the answer to these questions before we are able to properly respond.
In addition, in what state do you reside? This is also important.
Apex Credit Services, LLC
http://www.apexcreditservices.com
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Apex Credit Services, LLC
Expertise
Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law. DISCLAIMER: NO PART OF ANY COMMUNICATION FROM APEX CREDIT SERVICES, LLC IS TO BE CONSTRUED AS LEGAL ADVICE. APEX CREDIT SERVICES, LLC IS NOT A LAW FIRM. SHOULD YOU SEEK LEGAL ADVICE, CONSULT A LICENSED ATTORNEY IN YOUR JURISDICTION.
Experience
Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.
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Better Business Bureau
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Education/Credentials
Education/Credentials
Past/Present Clients
Flagstar Bank
Chase Bank
Past/Present Clients
Flagstar Bank
Chase Bank
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