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April 26, 2007
MBNA / Bank of America
1825 E. Buckeye Road
Phoenix, AZ 85034-4216
MBNA Account: 40000000000
Your address;
This is my fourth letter regarding this matter.
I am not sure what is the law concerning a written inquiry, but this has gone over a year without any response.
Your company (MBNA) sold and/or transferred my account to NCO Financial Systems aka NCO Portfolio Management, 507 Prudential Road, Horsham, PA 19044.
The said company filed a complaint against me in the Superior Court of County of Arizona on or around August 18, 2005 claiming that I owe them $6769.04.
I have been writing to your company (MBNA –now BoA) asking verification of how much was my total balance on the time of transfer. This matter is becoming extremely important and is not getting solved.
The complaint has turned into a judgment against me and is on my file. I cannot get mortgage or a decent credit because of this. I cannot dispute this matter because I need more information from your company but to no avail.
I will file another complaint with FTC, FCC and AZ Attorney General’s office again. I hope to get a response to this matter as soon as possible.
Thank you,
April 26, 2007
AZ Attorney General
Your Address:
I have written letters as well as online complaints with FTC and AZ Attorney Generals office regarding this matter before. I am including those letters with this one. None of the companies involved with this matter is answering my questions. It seems that they just want my money.
The law offices of Jerold Kaplan filed the complaint against me but never provided any documentation as to how they came up with the total amount. MBNA –now Bank of America never responded to any of my letters. NCO Portfolio Management bought my balance from MBNA and never sent me a letter saying so. What are my options? As a consumer I am stuck dealing with three companies that don’t seem to care except the money.
I cannot get a mortgage for my family until this matter is resolved. I cannot get a decent credit from any bank. What can I do? All I read about online is the shady business that NCO is doing with consumers and Jerold Kaplan violating the Fair Debt Collection Practices Act.
After a year of no responses from any one, I have come to conclude that I am a victim and my rights as a consumer has been violated.
Thank you,