I have been receiving letters from multiple collections agencies - MGM, Asset Acceptance, and 2 law offices over the past 3-4 years claiming that I have an outstanding balance owed to a FCNB / Crate & Barrel account since 2005. They say I owe $2400, but have yet to tell me what this $2400 is from. I have never had any credit cards through Crate & Barrel, which has been confirmed through my multiple phone calls to Crate & Barrel themselves. I even called World Financial Network National Bank at 866-258-0114, the bank that handles all Crate & Barrel credit cards and keeps account history info on file for 10 years. They have no record of any accounts under my name nor my social security number. Big Surprise.
This has ruined my credit for years, and made it nearly impossible for me to take out any loan or get any credit approval of any sort that doesn't have a ridiculously high APR. Now that I have finished school and have the time and resources to clear this up, I don't even know where to go from here. I can't get anywhere with the bill collectors (who have started calling my partner's personal cell phone), who claim that the account was paid $100/month for 7 months, and therefore they think that is proof that I did have an account with FCNB. I have explained to them that if the person trying to rip me off had half a brain, that is exactly what he would do, to make it look like a legit account that I simply failed to keep current. They hung up on me.
In October I requested the current holder of the account-Asset Acceptance, LLC 877-850-0074 to send me the final bill from Crate and Barrel with whom they claim I supposedly had an account. They said it would take up to 120 days to get to me. It never came. I called a couple days ago and requested they send it to me again since I never received it, and they said they had requested it but never received it from Crate and Barrel. Maybe because it DOESN'T EXIST! If I owed them money, I would pay it, but I need them to prove to me that this account really was an account that I opened, and I want to see what I supposedly bought on this (nonexistent) account that was $2400! They can't even show me a bill. I'm not convinced.
The only other option I can think of is to write the attorney general for assistance. I wish there was a class action lawsuit against these people! Is there? Sign me up. All I want is for this account to be wiped off my credit history! Is an accurate credit report too much to ask?!
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