I received a credit card offer from Capital One in the mail a couple of weeks ago. Since I already have one of their cards, I added it the pile I was making of low priority things. As I laid the letter down, I notice it said "Re: Your charged off account originated by Fingerhut." I thought that was a bit odd since this account was included in my Chapter 7 bankruptcy filed in 1988.
I thought all the harassing phone calls and mail was over as of 16 years ago. I know they cannot collect on this account because it was discharged by the bankfuptcy. How can a reputable company such as Capital One get involved in this type of fraudulent collection action?
The funny part is that last year Fingerhut opened an account for me with an $800 limit. I never used the account over a six-month period so they closed it. Of course, it shows up on my credit report. Is there anything I can do to stop RJM Acquisitions from contacting me regarding the charged-off amount? I don't understand how they expect to collect on an account that is more than 16 years old.
I don't intend to respond to them, however, I would like them to quit sending me US mail & emails.
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