Credit Card Limit Issues

rewrite the wholw thing first with bullet points and then the body of email

the entire email so i can seek out help as to what law where broken bythe treatment to a senior citizen

rewrite email entire emailList list of things that went wrong when they lowered my limit and added the balance from the original card to my new card okay one *. my debt to ratio was extremely high *.I was not informed about what damage this could do * No support was given when called put Jim's death * my credit score it was in one month dropped from * to *:* * unable to get a loan because of the decoration * Call the credit reporting agencies and told them that my credit score was wrong * I was so sure that the credit reporting agencies would fix the errors * Got a letter from Social Security saying that we do see me from * to * 4I am now paying ,* A month for health insurance Geico is charging me more because my age and credit score My house insurance went up because of my credit score I had to get a reverse mortgage which when was rates were high because credit score my tax bill came in over *,* pay the tax bill with the IRA money this was mistake that $*,* became income and I was charged the next Paying off the credit cards that the balance was transferred to me has taken all my savings next text Bill comes in it's *,* I don't have it went to a bankruptcy attorney pay him $*,* was told to stop paying my three highest credit cards I was up to date with every one of them bankruptcy attorney said I had to stop paying the credit cards so he could add the IRS bill now dealing with three charge-offs for 7 years of credit report I never filed bankruptcy my tax bill is in non-collective and it is almost 10 years and the balance is *,* Chase Close my credit cards after 29 years with no missed payments during 6 months later they closed my checking account that had been opened up for * monthscove This caused all my checks to bounce and be without money for 2 months I still can't get along went to a debt consolidation company who said they were going to do a loam They did a bait and switch and did a relief long closing out my credit cards Score goes down Hired debt repair company cost * no helpb After * yrs with att they shut off my phone for * missed payment Hello Personnel Inform In * We had a great credit score ( *) and a high-limit credit card for over 43 years of perfect credit not one issue. We just bought a retirement home in Summerfield, FL, with a second Mortgage against our home in Milford, MA. my life was good, married for * yrs, to a wonderful man named Jim. Retired from Lowe's Home Improvement after 12 years as a Sales Specialist in Home Decor. Jim was a security analyst at State Street Bank. I was retired 4 months, when I found out I had stage * Lung Cancer, ( no we didn't smoke) my Husband decided to retire immediately to take care of me . I needed surgery, chemo, and radiation. This surgery requires breaking some ribs,so recovery ( I was not sure I was going to make it, my odds were not good )would be long. I convinced my husband to put everything in his name, he didn't want to do it, but he didn't want me to be upset. My husband put in for retirement on the day he was to retire, we were at the hospital admitting him . To my shock he died three weeks later from Brain Cancer. Can you put yourself in my place? Retired, Bought retirement home, Listed our Home in Milford, Packing, Diagnosed with stage * lung cancer, Jim puts in for retirement admitted to hospital on that day, died * week ======================= lawyer On Jim's death bed a family Friend who was a lawyer had Jim on the phone transferring all the money from the 401K to the IRA. I knew nothing about the IRA. The lawyer saw me as a checkbook. The Lawyer even borrowed money from me, never paid it back. The car I had to pay off so I could get the title. This so called Lawyer , told me I should go after the Doctor for telling Jim is headaches were due to he gave me anxiety due to him worrying about me, so he gave him pills. It was awful the look in Jims eyes knowing he knew now he was going to die. The credit bureau was causing me to be so overwhelmed with grief and health challenges. With my priorities focused on survival, bureaus negligence took a backseat. How can this happen? His doctor said, his headaches were due to the stress worrying about me, and gave him something for anxiety. ( Encouraged by my’ Lawyer to look into malpractice charges,after $*,* cost was getting to high, It came down to the fact the I was not in the room when the Doctor told him that it was stressful, and Jim didn't ask for a copy of the visit. IRA and Bad Accountant accountant didn't file for a extension I was over $*,* I called and asked him what I was supposed to do he said” you have the money in the IRA pay them “so I paid them He forgot to get an extension and was hit with a penalty because, I was living in Florida, he forgot to do Ma tax. My money was going fast $*,* for Federal and state tax $*,*’ for Ma , He forgot to get an extension and was hit with a penalty because, I was living in Florida, he forgot to do Ma tax. ===================== ======================== 4Credit card Chase at this time I have been with them for 19 years, that was in * at that time perfect payment history and the limit From * to * limit was $*,* the smallest out of all the credit cards ,* t0 * but now it was $*,*. they did include the joint balance, * to * it was $* thats 29 years no missed payments. see attachment When I got the cards and was going to pay for Jim service ,that came to $*,* . I went to pay on my GM Card, I knew the limit was $*,*, the card was declined this how I found out the credit card limits were lowered. I called credit card companies to find out what was going on, I was in for a big shock,, All the cards had reduced my Limit. Only Discover Credit a said I didn't open the account, so I wasn't responsible for the balance,,I should have call all the credit card co, but I forgot there was a lot going on, Now I am talking to credit card companies who told me that they will send me my own card, knowing that we had perfect credit, with high limits,and money in the IRA. I just said ok,,,I was offered no help or Information. In *,I called The week after Jim's service, I had to buy the * Kia, in order to put it in my name. I had to hire the lawyer to put everything in my name, He had a accountant he said Was good,,,that was terrible . the credit card companies to see what was 0wed on the credit cards,,, I never had to deal with any of this before. I spoke with each company, I think there was *, GM cards were the highest limit $*.* and the most used. The lowest Card we had was Chase that limit was $*.* in aug *. My credit score went down the minute my husband died,,. For 43 years We had perfect credit, no missed payment, and high limits. The only credit card that offered help was Discover they said ,that they were closing out the card, because I didn't not open the card, I was a authorized user. The Balance will not be transferred to my new card, but limit might be reduced, ,*.p They sent the card,the limit $ *,* , (chase send a email t the CFPB and after them draging this on for * yrs there email was nothing but li es, they said i never had a $* credit limit,,i have the credit report they cant pull the telephone record that shows i was yelled at over the phone, and my checking account was closedbecause they said I said my was scammer,,i never said that i called the bank to find out who a charge of $*.* i was without a check for 2 months the most in *, I paid Discover 9n * $*,* for bills, I was paying off the credit cards that were high because of the balance transfer. To my new card. Chase at this time I have been with them for 19 years, that was in * at that time perfect payment history and the limit From * to * limit was $*,* the smallest out of all the credit cards ,* t0 * but now it was $*,*. they did include the joint balance, * to * it was $* thats 29 years no missed payments. see attachment Every card lowered my limit and included the joint balance, what sneaky Chase did they sent me a new card, with the same number as the joint account so they could pass the joint balance on to me,,,they knew I didn't open the account, I was never notified that they were going to this.. —------------------------------------ 5Credit reporting This was how I was targeted, what they did was illegal. Equiflex told me to send a certified letter which I did, but I didn't get back to them for good 2 months, I called Equifax and asked them if they got my certified letter, they said no. So we went over everything and I told this gentleman that I couldn't really keep up on it because of my health. I thought at this point that the credit reporting Bureau was a government agency because they call themselves the Bureau. I didn't get back to them I didn't check on my credit reports just try to keep my head above water The credit bureau was not a top priority, overwhelmed with grief and health challenges. With my priorities focused on survival, bureaus negligence took a backseat. At this time there was no way, I could fight the credit agency so I just continue to pay my credit card..and never went back to the credit report When the credit score when down, I called Equiflex (I thought they were A government agency , because they were called Bureau,) told them there was mistakes on the credit report, we went over everything; they said, they will take care of it . I believed they would do as they said. My credit score went down the minute my husband died,,. For 43 years We had perfect credit, no missed payment, and high limits. When the credit score when down, I called Equiflex (I thought they were A government agency , because they were called Bureau,) told them there was mistakes on the credit report, we went over everything; they said, they will take care of it . I believed they would do as they said. I went and looked at the Equiflex report and was shocked that my credit score was *. I called to ask what happen ,they told me I was over the *% , What is *% didn’t Know anything about this . By the credit card companies adding the joint bal and The lowing on limit was the reason I was way over. ======================= 6IRA The week after Jim's service, I had to buy the * Kia, in order to put it in my name. accountant didn't file for a extension I was over $*,* I called and asked him what I was supposed to do he said” you have the money in the IRA pay them “so I paid them He forgot to get an extension and was hit with a penalty because, I was living in Florida, he forgot to do Ma tax. My money was going fast $*,* for Federal and $*,*’ for Ma state tax, At this time there was no way, I could fight the credit agency so I just continue to pay my credit card..and never went back to the credit report In In * I received a letter from Social Security telling me that because I had all this money my medicare bill would be going up so I was paying my social security check went from $* to $18oo that means my health insurance Blue cross $* Medicare $* Fl blue $* $ * a month out of $*. Which didn't leave much money. This continued for 3 years because they take the last 3 years of your income tax and go by that so I couldn't get the any increase I was living on $* a month My money was going fast $*,* for Federal and $*,*’ for Ma state tax, At this time there was no way, I could fight the credit agency so I just continue to pay my credit card..and never went back to the credit report The next year my IRS bill was $*,* ,I didn't have it because, I was paying off credit card balances. my tax bill after 9 years is $*,* . The stress is Affecting my health big time,,, . , In * when I open my account in Summerfield Fl, I deposit a lot of money but most of my money was in the IRA. ==================== My money was going fast $*,* for Federal and $*,*’ for Ma state tax, At this time there was no way, I could fight the credit agency so I just continue to pay my credit card..and never went back to the credit report —--------------------------------------------------------------------------------------------------------------------- 7Sodial secitoyu In In * I received a letter from Social Security telling me that because I had all this money my medicare bill would be going up so I was paying my social security check went from $* to $18oo that means my health insurance Blue cross $* Medicare $* Fl blue $* $ * a month out of $*. Which didn't leave much money. This continued for 3 years because they take the last 3 years of your income tax and go by that so I couldn't get the any increase I was living on $* a month The next year my IRS bill was $*,* ,I didn't have it because, I was paying off credit card balances. my tax bill after 9 years is $*,* . The stress is Affecting my health big time,,, Chase From the beginning they were out to destroy me as you read on you will see. Had a highly recommended accountant who turned out to be a total mess. Reflects on the belief in people's honesty and being let down when they are not. I Asked my husband to transfer everything out of my name. So his 401K was in his name only. On his deathbed, the lawyer had my husband approve the transfer of money from the 401K to an IRA, which made me feel awful. Lawyer, who was a family friend, seemed more interested in his financial gain. Had to face cancer alone after husband's passing, making dealing with credit agencies too overwhelming. No one informed me about the repercussions of taking money out of the IRA. Lawyer borrowed money from me and never paid it back. Had to buy the car and pay everything from the IRA. Accountant forgot to get an extension for taxes and penalties were incurred for state tax. Accountant advised me to just pay the taxes $*.* and $*,* state without exploring alternatives. IRS bill for the following year amounted to $*,*, which I didn't have due to paying off credit card balances.Moving, second montage,etc Made significant payments to credit card companies, including Discover,who in * pay them $*,* . *,.The balances of the joint account was transferred to my New Credit card, but after all this research I found out that it was illegal for them to add it to my account, as I was not the originator of the credit card * So again not knowing the law, not knowing my rights, these companies do what they want, and if they're doing it to me how many more are they hurti ng? *. They knew what they were doing and they knew it was illegal and yet they still did it over 1o years ago. /My credit score went down when they added the joint account balance and * yrs, my credit score went from * to *,, pushing me over the *% It gets better. I went to a bankruptcy lawyer, now I had balances on my credit cards ,which I was paying and keeping up with and now this tax bill. The fact that I owed the IRS $*.* was weighing on my mind and I didn't trust anybody else ,so I called the IRS told them what happened they looked into my finances and said, that the accountant should never had me paid them amount all at once, it should have been paid in payments and then they put me in non-collectible status where I still remain. I don't know what to do This lawyer told me to stop paying on my credit cards because we could do a bankruptcy and include the IRS bill. I paid him $*,* for this advice. I stopped paying on my * credit cards and he did a thing called a charge off . Chase e accounts was not one of them,,all of these cards had no missed payments. I should have paid more attention to what he was saying, I was just overwhelmed. I was paying each credit card, the * big Cards which I owed money to, I had paid them thousands of dollars, already by taking the money out of the IRA. I Dealing with credit agencies became overwhelming after facing cancer alone. Contacted Equiflex and Experience to report credit report errors but couldn't reach Transunion. used the cards for everything, buying the car, moving. House repairs, etc and then paid them from the IRA account, Discover which I had balance of $*,* Capital One which was $*,* and Bank of America which was *,* Do you see a pattern here? I didn't know what I was doing, so I relied on the professionals to get the right help. The lawyer told me to wait and see what happens. I was never contacted by the three companies that I owed but I did get a * on them. I never filed for bankruptcy. but the three charges went on my credit report for 7 years. Note I read in the cfpb that having a charger off on a credit report is wrong because a charger is actually considered income. I received a * which means that it was income and income is not supposed to be reported on your credit report. Is this correct,,, Having them on my credit report caused a hardship, Balances from the joint account were transferred to a new credit card, which was later found to be illegal.k\ Unaware of the law and my rights, Consulted a bankruptcy lawyer due to credit card balances and the tax bill. Lawyer advised her to stop paying credit cards and suggested bankruptcy to include the IRS bill, charging $*,* for the advice. Four accounts were charged off, Used the IRA to make payments on the three major credit cards: Discover ($*,*), Capital One ($*,*), and Bank of America ($*,*), Reliance on professionals for guidance but feeling misled or uninformed. Lawyer advised waiting to see what happens but never filed for bankruptcy. charged-off accounts remained on the credit report for seven years. Learned that having a charge-off reported on the credit report is considered incorrect since it should be considered as income, as indicated by receiving a * form. When I took out money to pay IRS from IRA ,this was added back to my Income,, That is why it was so high,,,,they said the accountant should never have had me pay it all from the iRS . So now I am living on just SS . I called the IRS and found out that the accountant should have know that it would be considered Income and I would be taxed, fired the accountant At this point I fired the first lawyer. I fired the accountant. The second lawyer had told me to stop paying * credit cards and wait to file bankruptcy so I did. I tried to survive on the money that I was getting which wasn't much after I paid my health bills the only other resource I had was a reverse mortgage, so I did a reverse mortgage which was a big mistake but it helped pay for my home insurance, my taxes, on the house house repairs whatever I got a total of *,* I had no idea how the tax thing worked all I know it was helping me out. After 3 years I could go back to Social Security and I would see from my tax return that I didn't have the money I had for my social security ($2100 month,Now with the increase that everybody got I'm up to $*. But still trying to dig myself out of all the crap that I have gone through) well along comes covid now my cards are all maxed out but.paid every month my reverse mortgage money is gone this is about a *-year span . It is harder for me to maintain my home . I have to hire everybody to do anything for me. Yes, I'm a proudful person and I won't ask anybody, but anyways no one's coming around. Because of Covid I am losing friends because of this virus and I'm getting very lonely. my daughter asked me to come to live with her . I thought it was a good idea, now I thought I heard that the IRS was going to put a lien on my property because I was in\non collectible status ,so I put my house up for sale and it killed me. I love that house but it needed a new roof and air conditioning .I still cant get a loan,] Credit score low; my house. sold it in * hours. there was no lien on it Medicare informed me that I have too much money, resulting in an increased Medicare payment. paying a significant amount for health insurance, leaving little money for other expenses. The accountant should have known that taking money from the IRA would be considered income and subject to taxes. The first lawyer and accountant were fired. The second lawyer advised to stop paying the credit cards and wait for bankruptcy. i relied on a reverse mortgage to cover expenses but later realized it was a mistake. cards are now maxed out due to COVID-*, and maintaining the home has become harder. daughter suggested living with her , put the house up for sale due to concerns about an IRS lien. The house sold quickly without any liens, but I had to lower the price due to the house needing a new roof and air conditioning. Loneliness has increased due to losing friends during the pandemic. I paid off my reverse mortgage to move to Arizona. I paid to have my car shipped, I paid all the bills on closing the house and the Realtor. I ended up with $*,* which I deposited into the Chase Bank in * but after paying off the money I borrowed Setting up a place for me in her home, and everything else there was $* left in * December I moved in with my daughter it was at this point she saw my car insurance and told me I was paying too much money for it I didn't know, I had just finished paying off most of my credit cards this was during the pandemic so I called up Geico and ask them what this was all about why would I pay so much money and they told me that if they go according to your age and your credit score they feel that anyone with a low credit score is more liable more likely to put in claims and not pay their premiums I had Geico for 10 years never missed a payment never been in an accident never received a ticket and yet for a * Kia it was my husband's in Arizona my payment now would be * a year. I had my daughter call back and said that she wanted to register * Kia she is * and she has a pretty good credit score her price was $* a year. I thought age discrimination was not allowed and the fact that they were using wrong information to determine what I paid for car insurance I checked I was paying more of a house insurance everything in my house was costing me more because it went by the for the school which was wrong I had no idea I had to borrow money to pay off the things before I got the money from the house so it wasn't much left of that *,* after paying helpers to move I'm moving company a car company packing bills and the $*,* I borrowed to cover getting the house ready to sell that would do and I wanted to pay up all my credit cards and staff fresh My next bright idea was to get a loan, to pay off my credit cards, $* the cards were close to being max due to Covid. ( I knew nothing about the *% ) . Although my cards had high amounts, my payment history was very good, I had old Credit cards that wer , * , years old. These cards were mine, not joined Account. During this time my young sister unfortunately died I had to come up with money for my sister's funeral. My other sisters and I agree that we would pay $*,* each because she had nothing. I didn't think it would be a problem getting a loan because my payments are up to date and I have not looked at this credit report for 5 years. it was just such a stressful time I didn't want to go back to it. I was surprised when I got denied by the Lending Tree that was on Monday, on Tuesday I get a email with the lending Tree letterhead just like the first one except it said ,I was approved, called and found out they were Scammers and so my next 1o months of dealing with scammers, I learned some interesting things which I will share with you later in this email). I tried again and got rejected again. Now I went to look at my credit report,, My credit report is wrong, I mean *% wrong tried to get them it fix, Name, address, accounts, dates,, closed accounts all effective my Credit score. I send letters, but daughter forgot to send certified waited *, days nothing changed, so I called Equifax , told the agent I wanted to To dispute a charge-off I figured I'd just start with one problem.. Remember the charge off Discover was gone and Bank of America got a * on them, the last one was Capital One, but now it was sold to a lawyer , date and amount was changed given them more time…I said so in the dispute. I called Equifax they Said they would look into it with my corrections then I called Experian. I talked to a girl named Jennifer asked her to remove the things on my credit report that were wrong that I did not authorize. Everything from wrong addresses to dates everything. What she did was put a fraud alert on it. I called and tried to get it removed which was quite difficult and it finally fell off . NOTE Here are the CFPB rules that I think applies to my case US C * * the Fair Credit Reporting Act US C * * (a) the exclusion section of the FCR US C * * (i) Identity Theft US C * * Notification of verification Independent investigation I disputed a charge off, it came back one word verified US C * *(n ) civil liability for negligent non-compliance US C * * (o ) liability for negligent my compliance

rewrite part * rewrite email entire emailList list of things that went wrong when they lowered my limit and added the balance from the original card to my new card okay one *. my debt to ratio was extremely high *.I was not informed about what damage this could do * No support was given when called put Jim's death * my credit score it was in one month dropped from * to *:* * unable to get a loan because of the decoration * Call the credit reporting agencies and told them that my credit score was wrong * I was so sure that the credit reporting agencies would fix the errors * Got a letter from Social Security saying that we do see me from * to * 4I am now paying ,* A month for health insurance Geico is charging me more because my age and credit score My house insurance went up because of my credit score I had to get a reverse mortgage which when was rates were high because credit score my tax bill came in over *,* pay the tax bill with the IRA money this was mistake that $*,* became income and I was charged the next Paying off the credit cards that the balance was transferred to me has taken all my savings next text Bill comes in it's *,* I don't have it went to a bankruptcy attorney pay him $*,* was told to stop paying my three highest credit cards I was up to date with every one of them bankruptcy attorney said I had to stop paying the credit cards so he could add the IRS bill now dealing with three charge-offs for 7 years of credit report I never filed bankruptcy my tax bill is in non-collective and it is almost 10 years and the balance is *,* Chase Close my credit cards after 29 years with no missed payments during 6 months later they closed my checking account that had been opened up for * monthscove This caused all my checks to bounce and be without money for 2 months I still can't get along went to a debt consolidation company who said they were going to do a loam They did a bait and switch and did a relief long closing out my credit cards Score goes down Hired debt repair company cost * no helpb After * yrs with att they shut off my phone for * missed payment Hello Personnel Inform In * We had a great credit score ( *) and a high-limit credit card for over 43 years of perfect credit not one issue. We just bought a retirement home in Summerfield, FL, with a second Mortgage against our home in Milford, MA. my life was good, married for * yrs, to a wonderful man named Jim. Retired from Lowe's Home Improvement after 12 years as a Sales Specialist in Home Decor. Jim was a security analyst at State Street Bank. I was retired 4 months, when I found out I had stage * Lung Cancer, ( no we didn't smoke) my Husband decided to retire immediately to take care of me . I needed surgery, chemo, and radiation. This surgery requires breaking some ribs,so recovery ( I was not sure I was going to make it, my odds were not good )would be long. I convinced my husband to put everything in his name, he didn't want to do it, but he didn't want me to be upset. My husband put in for retirement on the day he was to retire, we were at the hospital admitting him . To my shock he died three weeks later from Brain Cancer. Can you put yourself in my place? Retired, Bought retirement home, Listed our Home in Milford, Packing, Diagnosed with stage * lung cancer, Jim puts in for retirement admitted to hospital on that day, died * week ======================= lawyer On Jim's death bed a family Friend who was a lawyer had Jim on the phone transferring all the money from the 401K to the IRA. I knew nothing about the IRA. The lawyer saw me as a checkbook. The Lawyer even borrowed money from me, never paid it back. The car I had to pay off so I could get the title. This so called Lawyer , told me I should go after the Doctor for telling Jim is headaches were due to he gave me anxiety due to him worrying about me, so he gave him pills. It was awful the look in Jims eyes knowing he knew now he was going to die. The credit bureau was causing me to be so overwhelmed with grief and health challenges. With my priorities focused on survival, bureaus negligence took a backseat. How can this happen? His doctor said, his headaches were due to the stress worrying about me, and gave him something for anxiety. ( Encouraged by my’ Lawyer to look into malpractice charges,after $*,* cost was getting to high, It came down to the fact the I was not in the room when the Doctor told him that it was stressful, and Jim didn't ask for a copy of the visit. IRA and Bad Accountant accountant didn't file for a extension I was over $*,* I called and asked him what I was supposed to do he said” you have the money in the IRA pay them “so I paid them He forgot to get an extension and was hit with a penalty because, I was living in Florida, he forgot to do Ma tax. My money was going fast $*,* for Federal and state tax $*,*’ for Ma , He forgot to get an extension and was hit with a penalty because, I was living in Florida, he forgot

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