Credit Reporting Rights Violation

Summary

You have rights under the Fair Credit Reporting Act and Equal Credit Opportunity Act. Contact the credit card company to dispute the action, file a complaint with the CFPB, and consult a lawyer. Arizonas statute of limitations for consumer debts is six years, as per ARS Section 12-548. If over the limit, negotiate with the credit card company or seek advice from another lawyer. For unresolved issues, contact the Arizona Department of Financial Institutions, a consumer advocacy group, or the Office of the Comptroller of the Currency. Elder law firms can also assist. Use Rocket Lawyer for drafting letters. Relevant laws include US C 15 1681, 1681(a), 1681(i), 1692, 1681(n), and 1681(o).

Full Conversation

DID * AND2 LAWYEE SAIDI AM OVER THE STATUE OFLIMINTAIONS THEY STALLED UNIT I WAS OVER CAN I DO ANUTHING
I'm sorry to hear about your situation, April. In Arizona, the statute of limitations for most consumer debts is six years. If your lawyer says you're over the limit, you may still try to negotiate with the credit card company or seek advice from a different lawyer.
WHERE IS DOES IT SAY * YEARS
The six-year statute of limitations in Arizona is stated under the Arizona Revised Statutes (ARS) Section *-*. This law applies to debt collection and it starts from the date of your last payment or acknowledgement of the debt.
I AM CONTACT THE CFPB BECAUSE IN * CHASENCLOSED MY CREDIT CARD AFTER * YERS WOULDNT TELL ME WHY, THENTHEY CLOSED MY CHECKING ACCT THAT WAS OPEN * MONTHS, WHEN I CALLED AND ASKWHAT A$*.* CHARGE WAS, IC HIRED DEBIT COMPANIEES, I DESPUTD IT AND THEY WONT TEELL ME ANYTHING WENTTO CFPB WERE THEY STALLED TELLING ME THEY WILL ONLY TALK TOMY LAWYERD DIDNT HAVEONE CFPB SEND THEM ANOTHR EMSIL AND THIS TIME THE TOLD US THE '
I'm sorry for the frustrations you're experiencing, April. If I understand correctly, Chase closed your accounts without clear explanation and a disputed charge remains unresolved? Could you please clarify what you'd like to know or achieve at this point?
WHEN CFPB GOT THE SECOND EMAIL FROM CHASE THEY TOLD ME WHY,,BUT IT WAS ALL LIES, I SENT BACK THE RE[LY WITH THE CORRECT INFORMATION,THEY REPLIED THEY STILLWWORKING ON IT,,,WHAT CAN I DO A LAWYER SAID I WAS OVER THE STATUE OF LIMIMTIONS,,WHO CAN I TURN TO
I'm sorry to hear about your situation, April. You may want to consider:
*. Contacting Arizona Department of Financial Institutions. They regulate financial entities and may assist.
*. Reach out to a different lawyer. Some offer free consultations.
*. Contact a consumer advocacy group. They may provide advice or resources.
WHO WOULD BE THE BEST, I HAVE BEEN IN FINCIANAL BIND
I'm sorry to hear about your financial difficulties, April. You may want to consider non-profit credit counseling services, such as GreenPath Financial Wellness or Money Management International. They can help you understand your options.
WHAT ABOUT THE BANK CONTROLLER
The Office of the Comptroller of the Currency (OCC) supervises national banks. You can file a complaint against your bank with them if you think it has violated a banking law or regulation.
WOULD THEY GET ME SOME OF MY MONEY BACK FOR THE DAMAGETHEY DID
The Office of the Comptroller of the Currency (OCC) may assist in resolving disputes, but they do not have authority to award damages. If you're seeking compensation, you might want to consider filing a lawsuit, but you should consult with a lawyer first.
DO I GO THE THE ELDENLY LAW FIRM OR ?
If you believe you've been targeted because of your age, contacting an elder law firm can be a good choice. They specialize in issues faced by seniors, including financial exploitation. Would you like some suggestions for elder law firms in Arizona?
DO YOU THINK ELDER LAW WOULD BE A RIGHT CHOICE WITH MY PROBLEM
Elder law firms specialize in issues that affect senior citizens, including financial matters. Given your situation, consulting with an elder law firm could indeed be beneficial. They can help you understand your rights and possible courses of action.
DO YOU HAVE THE NUMBER FOR ELDERY LAW OR WEBSITE
Sure, you can reach out to the Arizona elder law firm named Morris Hall. Here's their contact information:

Morris Hall, PLLC



Phone: (*) *-*

Website: www.morristrust.com
DO YOU HAVE A WEBSITE THAT COULD HELP ME DRAFT A LETTER, SO MUCH AS HAPPEN TO ME BECAUSE OF THIS AND OTHER PROBLEM THAT IT CAUSED THAT I GO OFF THE TRACK AND PUT TOO MUCH IN THE EMAIL
Sure, you could use a website like Rocket Lawyer which provides legal document templates, including letters. You can find them at www.rocketlawyer.com. Just remember to keep your letter concise and focused on the main issues.
PLEASE ADD BULLNTPOINT TO ALL THE ISSUES. 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 US C * *
Sure, I can help with that. Here are your issues in bullet-point form:
- Fair Credit Reporting Act (US C * *)
- Exclusion section of the FCR (US C * * (a))
- Identity Theft (US C * * (i))
- Notification of verification/Independent investigation (US C * *)
- Dispute of a charge off, which was verified
- Civil liability for negligent non-compliance (US C * *(n))
- Liability for negligent compliance (US C * * (o))
Please let me know if you need further information on any of these points.