- #FRAUD INVESTIGATOR CARDWORKS HOW TO#
- #FRAUD INVESTIGATOR CARDWORKS TRIAL#
- #FRAUD INVESTIGATOR CARDWORKS FREE#
When the IRS places a tax levy on your property, the agency legally seizes your property in order to collect your back back taxes. The IRS has a long list of methods it can use to resolve outstanding back taxes and collect what taxpayers owe. Find out how an IRS tax levy affects your finances and learn how you can stop a tax levy to resolve your back taxes.
#FRAUD INVESTIGATOR CARDWORKS HOW TO#
If you’ve received a tax levy notice from the IRS or if you’re wondering how to stop a state tax levy, you have several helpful options to consider. Thank you.8 How to Contact the IRS and State Tax Agencies
#FRAUD INVESTIGATOR CARDWORKS FREE#
If you agree, please feel free to post comments here or contact me via PM. I want to take legal action against them. I think CardWorks Processing is committing fraud, violating the FCRA by knowingly reporting inaccurate information, and violating the FDCPA by misrepresenting the status of an alleged debt. Please note I'm also posting this info for anyone else who has had a similar experience with Experian / Advanta. Any feedback on this issue is appreciated here. My instincts tell me to opt out of the class action (which is a clearly spelled out option) and pursue my own individual case through arbitration or litigation if necessary, especially since my dispute has elements other than the Advanta issue.
#FRAUD INVESTIGATOR CARDWORKS TRIAL#
Now that a class action has made it to the trial stage, they are trying to lump me in with the class - to avoid the cost and expense of arbitration. What is interesting to me is Experian will do everything possible to avoid a class action, and uses arbitration clauses in their credit monitoring contracts to do just that. When I eventually figured out the "Advanta Bank" address on my Experian report led to "Cardworks Processing" - I disputed in writing to "CardWorks Processing." I received a letter back with the name "Advanta Bank" rubber stamped at the top of the letter (not Advanta's original logo, but what appeared to be a rubber stamp pressed on an ink pad created for this purpose). If Experian were truly conducting meaningful investigations when consumers dispute as required by the FCRA, they would learn "Advanta Bank" is not reporting anything since 2009 or 2010 at the latest.
Trying to resolve any reporting issue becomes a three ring circus and/or shell game between Experian, Advanta (which has no legal present address or contact) and CardWorks, making it impossible to correct incorrect negative information on Experian credit reports. Experian, specifically on this issue of Experian falsely reporting data from "Advanta Bank." The class action lawsuit properly states that the company known as "CardWorks Processing" is possibly the owner and reporting entity of past due debts emanating from the defunct Advanta Bank - but is reporting as "Advanta Bank" today and for the past four years as if they are the bank.
I have yet to hear back on my arbitration demand, however, today I received in the mail a postcard advising me of the class action Michael Dreher v. I recently invoked arbitration over this and multiple other issues based upon the credit monitoring contract I have with Experian, which states clearly it covers FCRA disputes. I have been turned down for credit as a result. Experian refused to delete the information and has continued to refuse my written disputes for the past four years. Equifax and TransUnion immediately deleted the info. I also disputed what was reported, because it was purely false and erroneous information. I disputed in writing to the three credit bureaus, providing proof from the FDIC that Advanta Bank no longer existed and could not be the reporting entity. The former owners of Advanta have been individually sued for breach of fiduciary duty and other misconduct by the FDIC in relation to their ownership and management of Advanta. As far as I could determine, the FDIC was set up as a receiver for their deposits, and any debts owed were sold off to junk debt buyers. Advanta Bank ultimately declared bankruptcy. offering a 0% introductory interest rate and then rate jacking their customers to 38%). They were heavily fined for deceptive and unfair business practices (ie. In late 2010 I had a negative item appear on my credit reports from "Advanta Bank." Advanta Bank failed in 2009 and was shut down by the FDIC and State of Utah.
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