By billypauly April 30, 2014
I’ve visited this branch many times and always I received awesome experience from the people work at the counter(the tellers) . But, if any customer goes to this branch with any issues regarding their account or need to speak with manager, there is no log book available for the visitors to write their name in. One day I walked in to meet the manager, after 30 minutes Carlos came out of the door and called in another man who came in the bank after me. That day I left the bank without meeting my needs after waiting an hour. Today I met Ms. Patel, the manager of this branch to fix some charges that I have in my account. She refused to help me and asked me to go to Glenmont branch where I opened my account. She then added that she doesn’t want to fix this HABBIT. It was an irritating comment. I told her, it is an accident, not purposely. I don’t think any customer will purposely do it and walk in to this branch to waste their time. ...read more
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By Consumer Credit Counseling Service 1-800-254-4100 July 11, 2011
Below is a summary of the FCRA. The full Act can be obtained directly from the Federal Trade Commission's web site here. Fair Credit Reporting Act (Summary) Public Law 91-508 The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." If, after a reinvestigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information." The credit bureaus are required to complete the investigation within a "reasonable period of time." This period has been set at thirty days. The credit bureaus can ignore the consumer dispute if they have reason to believe that the dispute is "frivolous or irrelevant." The FTC commentary on the FCRA cites, as an example of a frivolous dispute, a dispute wherein the consumer challenges all negative items on his credit report without providing any allegations regarding specific items in the credit file. However, "A [credit bureau] must assume a consumer's dispute is bona fide, unless there is clear and convincing evidence to the contrary." When a consumer challenges a negative credit listing on the basis of extenuating circumstances, such as health problems, divorce, job loss, etc., the credit bureaus are entitled to ignore that dispute. When a consumer submits a dispute which is neither frivolous nor irrelevant by credit bureau standards, the credit bureau must "at a minimum... check with the original sources or other reliable sources of the disputed information and inform them of the nature of the consumer's dispute." In some cases of consumer dispute, "Reinvestigation and verification may require more than asking the original source of the disputed information the same question and receiving the same answer." In other words, when a consumer files or re-files a valid dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing. In theory and law, the process is deceptively simple, thus leading many people to think that they can easily handle this themselves "for the price of a few postage stamps." Most quickly discover that the credit bureaus have made it much more difficult than one would imagine. For help in this, we recommend using Lexington Law a professional credit report repair company. Westminster, MD Baltimore MD Easton, MD Bowie Maryland La Vale, MD Bel Air, MD Rockville, MD Hyattsville MD Silver Spring Maryland Upper Marlboro, MD Salisbury, MD Temple Hills, MD Cambridge, MD Annapolis MD Laurel, MD ...read more
By Consumer Credit Counseling Service 1-800-254-4100 April 21, 2011
Not being able to pay your creditors due to job loss or other unforeseen circumstances can leave you feeling overwhelmed. Bill collectors will call you at all hours of the day attempting collect. A debt reduction service may be the answer for your situation, but there are scams that you will want to a... ...read more
Making sales these days is highly competitive and if you are not accepting charge and debit cards, you are missing out on sales. There are many different types of processing equipment deals as well as variables in merchant services. Learn how merchant services work and put them to use to make sales yo... ...read more