They had a summons served on me March 27 and I just filed my response today. I had opened a Providian card when I lived in Arizona. The SOL in AZ for credit card accounts is 3 years. I have an old credit report that shows that the card was charged off January. Somehow they got checking account information and started making unauthorized withdrawls from my account in 2004. My bank flagged it as fraud and closed my account and opened me a new one. My banker had called Assholes Acceptance and their office manager got nasty my banker and told her that I owe them a debt and what the amount was. A clear violation of FDCPA.
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