After Target refused to lower my interest rate due to data contained in my Experian credit report, I decided to stop paying the Target Visa card. I since learned that the banks actually create most money they lend through accounting entries. I hope to inspire many millions of judgment-proof consumers to stop paying their unsecured debt.
Juniper (Barclays) CLOSED my account due to my Trans Union credit report. My credit was FLAWLESS. I made my minimum payments until Barclays DECLINED my 12/21/07 request to reopen my account and to lower the interest rate. I hope to encourage many millions of exploited judgment proof consumers worldwide to stop paying their unsecured debt.
In May 2007, Washington Mutual more than doubled my interest rate to 26% despite my flawless credit. On 11/15/07, WaMu DECLINED my request for a lower interest rate and disclosed that it utilized FICO and internal credit scores to determine that I am a high credit risk. Greedy vile bankers don’t deserve to get paid and I stopped paying this account. Chase recently announced that it will no longer utilize credit report data to rate existing accounts. What will it take to get WaMu to stop this vile practice?
Rodrick Coffey with Stinson Morrison Hecker had my cancelled check and Verizon’s own documentation PROVING that I never owed the alleged debt, but he continued to state in his filings with the Arizona federal court that I owe Verizon $105.
Complaint to the Arizona Department of Financial Institutions, the licensing agency for First Magnus Financial Corporation dba Great Southwest Mortgage. The junk faxes sent on behalf of First Magnus not only violated the TCPA, but also the Truth In Lending Act (TILA) as the advertised ARM terms were false. The First Magnus payments for the mortgage leads constitute illegal kickbacks in violation of RESPA and I hope that Arizona will not condone these widespread illegal activities by mortgage brokers and bankers.
The 2/19/06 Citi letter advises of the account closure due to “inquiries in the past 6 months and a serious delinquency, and a derogatory public record or collection filed.” The most severe derogatory items were 60 day late payments in early 2005 while the account holder was serving in Iraq. No collection or public record was on his 2/7/06 and 3/5/06 credit reports. Why did Citi close the account?
Many consumers have enormous credit problems due to old or entirely fraudulent fraud alerts and Trans Union has been refusing to provide any telephone assistance to me and many others. Trans Union prides itself in making life for military personnel overseas extra difficult by NOT offering toll-free numbers, refusing to provide free and even paid reports and refusing to investigate disputes.
Health One, Inc. and National Way Healthcare Association are one of several Texas corporations exploiting the uninsured and advertising practically worthless discount plans as health insurance. I am demanding immediate action from the TX and AZ AGs and the AZ Insurance Department.
Target attached the 1/18/2000 Federal Financial Institution Examination Council (FFIEC) Advisory Letter as exhibit to its Motion for Summary Judgment, claiming that it acknowledges that furnishers of credit information such as Target are not required by the FCRA to report credit limits to the credit bureaus. I am demanding a new Advisory Letter requiring that all creditors report the credit limits.
