Complaint / Review
Merchants' Credit Guide
Pinacle Credit Services - Mr. Cox - Lance Johnson - Mr. Kennedy tried to collect a debt that didn't exist and that, even in their words, was charged off in 1993

I received a letter from Merchants Credit Guide informing me they were attempting to collect a supposed past due balance on a Chase Manhattan Credit Card Account. The letter detailed three offers to resolve the debt, pay 50% now, pay 70% in three equal consecutive payments or pay a mutually agreed monthly amount and pay it in full.

This is exactly the same ripoff as Kathy of Paola, Kansas and so many others. My supposed credit card debt was charged off by Chase Manhattan Bank in 1993,15 years ago, and yes, the statute of limitations is 7 years worst case. So if you get this kind of letter, dispute it and ask for all the details about your transaction. Don't give them any information that they could use to steal your identity. Just ask for the transaction details of your use of the credit card. If they send you back a letter then reply on the letter that the statute of limitations has expired and don't bother me again.

We discussed this problem with Chase Manhattan Credit Card manager and this is what they said to do.

Doug
APO AE, New York
U.S.A.