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larre jackson: Beautiful lights. That is a life glow. Millions of ppl energies being seen from space 😊 https://youtu.be/ue0MAhUzaJA
Jamesncherri bloxsom: What about people getting beat across are nation.Everybody has the right to live in peace even the white people its wrong they are being beaten and the law is turning a blind eye. Peace for all Quit the Violence. Violence will cause more violence.
Marcus Edmond: Stella Brain
Account Specialist
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Welcome to our Capital One secure chat service! This chat will be monitored and recorded.
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Hi, this is Stella Brain. Whom do I have the pleasure of chatting with today?
You12:26 PM
This A'-men'ra but my corporation name is Marcus D Edmond Sr what I do business
Stella Brain12:26 PM
Hello . Thanks for visiting Capital One.
Stella Brain12:26 PM
How can I help you with your account today?
You12:28 PM
I want to no why are you continue to do FRAUD on My CORP NAME MARCUS D EDMOND SR?
Stella Brain12:28 PM
I'll definitely be able to help you with that today.
Stella Brain12:28 PM
I totally understand your concern over this. Let's see what I can do to address this for you.
Stella Brain12:28 PM
I'll need to look at your account before I can answer any specific questions about your situation.
Stella Brain12:28 PM
You should see some verification questions expand from the right side of your chat window. Please enter the requested information and click Validate.
Stella Brain12:29 PM
You should see some verification questions expand from the right side of your chat window. Please enter the requested information and click Validate.
Visitor-2057187616-1517212:30 PM
Customer validated successfully
Stella Brain12:30 PM
Thank you for verifying that information.
Stella Brain12:30 PM
Bear with me for just a moment while I review the account.
You12:31 PM
HOW DO YOU DO BUSINESS AND THE FRAUD STARTED WITH THE FEDERAL RESERVE BANK?
You12:31 PM
AMERICAN FIRST CREDIT UNION
Stella Brain12:32 PM
I see that you have schedule a payment of $$259.00 by 06/18/2017.
You12:32 PM
I HAVE A TRUST ACCOUNT GRANTOR WHAT'S GOING ON WITH THAT? MY TRUSTEE SUPPOSED TO BE LOOKING OUT FOR MY BEST INTEREST
Stella Brain12:33 PM
I see the account is enrolled in Autopay, that is the reason the payments are automatically get deduct from you bank.
You12:33 PM
WAS ME ARE THE SYSTEM THAT DID THIS? BECAUSE I NEVER BEEN ON THIS SITE SENSE LAST MAY 2016?
Stella Brain12:33 PM
I see the Autopay setup for the payment deduction from FEDERAL RES BANK OF ATLANTA bank.
Stella Brain12:34 PM
There is no need to worry.
You12:34 PM
YOU CAN'T GET A BANK ACCOUNT WITH THE FEDERAL RESERVE SO HOW IS THIS HAPPENING?
Stella Brain12:35 PM
Let me help you with the online steps for cancel the autopay.
Stella Brain12:35 PM
I'd be happy to walk you through the steps of canceling your AutoPay online.
You12:35 PM
HOW DID A $300 DOLLAR CREDIT LIMIT TURN INTO $1100
Stella Brain12:37 PM
Multiple payments was returned from your bank.
You12:37 PM
WHY DIDN'T THIS ACCOUNT GO OFF IN CHARGE OFF STATUS ? WHO IS LINING THERE POCKETS WITH MY MONEY?
Stella Brain12:37 PM
The principle balance on the account is $834.23
Stella Brain12:37 PM
Current balance is $1,102.24
You12:37 PM
AGAIN I DIDN'T DO THIS I BEEN HOMELESS
Stella Brain12:37 PM
Do you see any Unauthorized charges on the account?
You12:39 PM
THE LAST PAYMENT I MADE ON THIS ACCOUNT WAS THREW AMERICAN FIRST CREDIT UNION BANK ACCOUNT
You12:39 PM
WHO IS DOING THIS TO ME AND I THOUGHT YOU LOOK OUT FOR YOUR CLIENTS BEST INTEREST?
You12:40 PM
MY LAWYER FIRM SHOULD HAVE SENT A LETTER ON MY BEHALF DID YOU GET THIS?
Stella Brain12:40 PM
I will be right with you.
You12:41 PM
I HAVE A POLICE REPORT FROM DO YOU NEED IT?
Stella Brain12:41 PM
We did not receive a letter
Stella Brain12:42 PM
Have you filed a lot and stolen report on this account?
You12:43 PM
THIS IS WHAT THEY SENT ME:
You12:43 PM
Dear Marcus, Lexington Law Firm requires the credit bureaus to uphold their statutory obligations to consumers with regard to fairness and accuracy of their credit reports. In accordance with that mission, we have sent legal challenges to TransUnion on your behalf. Items Challenged on May 12, 2017 Account: AMERICA FIRST CU Account: CAPITAL ONE BANK USA NA Account: NEVADA FED COURT- LAS VEGAS After approximately 30 days there should be a response from TransUnion. You will be able to see any updates on your client website. Please forward copies of any correspondence you receive from either TransUnion or your creditors. Thank you, Lexington Law Firm 360 North Cutler Drive North Salt Lake, UT 84054 (800) 341-8441 https://clients.lexingtonlaw.com
You12:45 PM
SO HOW WE ARE GOING TO FIX THIS?
Stella Brain12:45 PM
I will be right with you.
Stella Brain12:45 PM
We did not send any letter.
You12:45 PM
MY EX WIFE BROKE INTO MY LAST YEAR
You12:45 PM
I DID'NT SAY YOU SENT A LETTER?
Stella Brain12:46 PM
If you would like to have letter from credit bureaus, I can help you with the contact number.
You12:46 PM
LEXINGTON LAW FIRM SHOULD HAVE
Stella Brain12:47 PM
Shall I help you with the contact number?
You12:47 PM
I WANT TO KNOW WHY I HAVE THESE CHARGES THAT I DIDN'T DO?
You12:48 PM
I CAN'T PAY FOR SOMETHING I DIDN'T DO ARE HAVE CONTROL OVER
Stella Brain12:49 PM
May I know the amount and date of unauthorized charges?
You12:49 PM
SO DO I NEED TO SEND THE POLICE REPORT
Stella Brain12:50 PM
There is no need to send a police report.
You12:50 PM
BECAUSE EVERYTHING I HAD PURCHASE IN APRIL 2016 WAS STOLEN? BY MY EX WIFE? SO WHAT DO I DO?
Stella Brain12:50 PM
As a Capital One customer your account has $0 fraud liability so you are not liable for any fraudulent charges.
You12:51 PM
OK THINK YOU EVERYTHING WAS FRAUD
Stella Brain12:52 PM
In order to make sure that I am leading you down the right process I am going to be asking you several questions throughout our chat.
Stella Brain12:52 PM
Do you have your credit card or do you know where it is located?
You12:52 PM
I DIDN'T EVEN TAKE THE STUFF OUT THE BOXES FROM BOTH OF MY ACCOUNT BUT THE OTHER ACCOUNT WAS A CHARGE OFF
You12:53 PM
SHE STOLE IT I HAD TO MOVE OUT OF VEGAS I NOW LIVE IN SALT LAKE CITY UTAH?
Stella Brain12:54 PM
Have you done business with the merchant in the past?
You12:54 PM
I HAVE ONLY BANK STATEMENTS
Stella Brain12:56 PM
I will be right with you.
You12:57 PM
AGAIN I CAN SEND YOU THE POLICE REPORT I DON'T REMEMBER THE ONLY REASON I CONTACT YOU GUYS BECAUSE I GOT A EMAIL FROM YOU GUYS SAYING A PAYMENT FAIL AND I KNOW I DIDN'T DO THIS I LIVE IN A HOMELESS SHELTER UNTIL I SETTLE DOWN HERE.
Stella Brain12:58 PM
Thank you for waiting. I'll be with you in just a moment.
Stella Brain12:58 PM
I would suggest you to please cancel an Auto Pay, so Auto Payment will not deduct automatically until you schedule payment on the account.
You12:58 PM
THE LAST THING I WAS GOING THROUGH A DIVORCE AND THE JUDGE THREW OUT MY MOTION BECAUSE SHE SAID IT WAS TO CONFUSING
Stella Brain12:59 PM
I'd be happy to walk you through the steps of canceling your AutoPay online. If you can select the "Payments" tab, you will see a "Payment Activity" sub-tab directly beneath.
Stella Brain12:59 PM
Please locate the payment that you would like to update.
Stella Brain12:59 PM
Going across that column you should find the Status column. In that column you should see two options, Edit or Cancel, beside that account.
Stella Brain12:59 PM
All you would need to do is select "Cancel". A pop-up box should appear asking if you are sure you wish to cancel this payment. If you are sure, click the "Save Changes" button.
Stella Brain12:59 PM
Once you have canceled your AutoPay an alert will be sent to you advising you of your cancellation.
Stella Brain12:59 PM
I completely understand your situation.
Stella Brain12:59 PM
Shall I file lost ans stolen report on this account?
Stella Brain01:00 PM
and*
You01:00 PM
CAN I GET A COPY OF THE ACCOUNTS THAT IS LINK TO MY ACCOUNT BECAUSE I'M TAKING THIS TO COURT I WANT MY LIFE BACK WITH INTEREST
Stella Brain01:01 PM
You can refer your statements.
You01:01 PM
YES YOU CAN FILE THE PAPER WORK PLEASE I WANT BACK BOTH OF MY ACCOUNTS BACK PLEASE WITH GOOD STATUS
Stella Brain01:02 PM
Here's what we can do. We can cancel the account number with the lost or stolen card. I want to ensure that you are aware of the action being taken before we proceed.
Stella Brain01:02 PM
Is it ok to continue?
You01:02 PM
I SHOULD NOT BE PUNISH RIGHT FOR SOMETHING I DIDN'T DO ARE HAVE CONTROL OVER RIGHT?
Stella Brain01:02 PM
I would like to inform you that this account was already closed on 09/02/2016
You01:02 PM
YES PLEASE
You01:03 PM
AGAIN WHY
Stella Brain01:03 PM
Unfortunately, Capital One has closed your account/s based on returned payment activity on this or a related account. You should stop using your card/s immediately and destroy any cards and checks associated with your account/s. Even though this account has been closed, you will continue to receive billing statements until your balance reaches zero.
You01:04 PM
MY GRANTOR TRUST ACCOUNT IS STILL IN YOU GUYS CARE RIGHT?
You01:04 PM
I DON'T HAVE NO CARDS MY EX WIFE STOLE THEM FROM MY HOUSE WOULD YOU LIKE THE POLICE REPORT?
Stella Brain01:05 PM
I do understand, however, we are unable to reopen this account.
Stella Brain01:05 PM
You can always apply for an account. Your application will be reviewed at that time.
You01:05 PM
WHY? WHAT DID I DO WRONG?
Stella Brain01:06 PM
Because of an Auto Pay, multiple payments was returned from account.
Stella Brain01:06 PM
Because your security is important to us, I need to ask you a series of questions and share some important information with you.
Stella Brain01:06 PM
Because your security is important to us, I need to ask you a series of questions and share some important information with you.
Stella Brain01:06 PM
What is the best day time contact phone number?
You01:06 PM
AGAIN I DIDN'T DO THIS FROM WHAT BANK?
Stella Brain01:07 PM
Yes, however, account is set an Auto Pay and we are unable to cancel or enroll account in an Auto Pay.
You01:07 PM
I WORK MON - FRIDAY OFF ON SAT AND SUNDAY
Stella Brain01:07 PM
So account holder needs to be cancel it.
Stella Brain01:08 PM
Let me process lost and stolen report on the account.
You01:08 PM
OK
Stella Brain01:08 PM
Please help me with the contact number.
You01:09 PM
702-500-4444 I CAN ONLY RECEIVE TEXT ARE VOICEMAIL ON THIS LINE OK
You01:10 PM
I'M IN THE PROCESS OF GETTING A SALT LAKE CITY NUMBER NEXT PAYDAY WHICH IS FRIDAY FOR ME I GET PAID EVERY FRIDAY
Stella Brain01:11 PM
I will be right with you.
You01:11 PM
BUT I'M HAVING A PROBLEM OPENING ACCOUNT FROM ALL THIS FRAUD
You01:12 PM
THAT I DIDN'T DO
Stella Brain01:13 PM
Please help me with police report number.
You01:13 PM
I HAVE MY PAYCHECK AND DON'T KNOW WHAT TO DO WITH THE CHECK
You01:14 PM
NORTH LAS VEGAS POLICE DEPARTMENT HAVE IT I CAN CALL AND HAVE THEM MAIL IT TO ME
You01:15 PM
I HAVE TO PAY FOR IT BUT THE HAVE NO CARD TO DO SO
You01:15 PM
I HAVE NO CARD TO PAY FOR IT
Stella Brain01:15 PM
I will be right with you.
Stella Brain01:16 PM
No problem.
You01:16 PM
BUT THEY HAVE IT BECAUSE IF THE JUDGE WOULD HAVE DONE HER JOB IN MY DIVORCE I WOULD HAD HAVE A FREE COPY OF IT
You01:18 PM
WHERE I GET MY MAIL UP HERE UNTIL I GET A PLACE IS GENERAL DELIVERY SALT LAKE CITY UT, 84101
Stella Brain01:18 PM
We have changed your card ending in 7392 and you now have a new card number.the old card number has been locked to prevent any additional charges.If you have recurring payments, we recommend you contact the companies and provide them with your new card information.
Stella Brain01:19 PM
You can continue to service your account online as usual.
You01:20 PM
OK BUT HOW I'M GOING TO PAY IT WHEN THEY FROZE MY CAPITAL ONE 360 ACCOUNT THAT I HAD NO CONTROL OVER THIS HAPPENING
You01:21 PM
I WENT TO AMERICAN FIRST CREDIT AND THEY SAID I OWE THEM MONEY BUT AGAIN I DIDN'T DO ANYTHING WRONG
Stella Brain01:22 PM
For the same, please cancel an Auto Pay and delete the bank account information from which you would not like to make the payment.
You01:22 PM
WILL DO
Stella Brain01:22 PM
Please click on "Manage Payment Accounts" tab.
Stella Brain01:22 PM
And delete unwanted bank account information.
Stella Brain01:23 PM
Shall I access 2nd account?
You01:23 PM
YES
Stella Brain01:23 PM
Some fraud authorizations may not post to the account. If fraud transactions post to your account, an agent may be assigned to your case and contact you directly within 3-5 business days.The claim resolution could take up to 30-90 days and you’ll receive a letter about your investigation within 5-10 business days of opening your claim.Once posted, transactions marked as fraud will be automatically credited to your account within 72 hours; however, these funds will not be available for use until after the investigation is completed.Please continue to make payments on the valid remainder of your balance. Any pending payments made to the old account will transfer to the new account.If you identify any additional fraudulent transactions, please call us back to update your fraud report.
Stella Brain01:23 PM
Sure.
Stella Brain01:23 PM
You should see some verification questions expand from the right side of your chat window. Please enter the requested information and click Validate.
You01:24 PM
GIVE ME A SECOND WHILE I LOCATE THIS ACCOUNT
Stella Brain01:25 PM
Sure, take your time.
Stella Brain01:26 PM
We have entered your account ending in 5426 into Capital One's Specialty Assistance program. While your account is in this program, Capital One will not assess your account a past due or overlimit fee. This may take up to one billing cycle to take effect.
Stella Brain01:26 PM
Enrollment into the program requires us to communicate directly with you. You have legal rights that may prevent us from directly communicating with you, including: filing for bankruptcy, requesting a cease and desist from communication with us and / or being represented by an attorney. If you do any of these, we may be prohibited by law from directly communicating with you and we will need to remove you from the program as a result.
Stella Brain01:26 PM
Other actions that will remove you from Specialty Assistance, include: successfully bringing your account current, enrolling in a workout program with us or through a Consumer Credit Counseling Service, being approved for a debt protection benefit that brings your account out of collections and / or failing to make the required payments to force your account to charge-off. If you do any of these, we may be prohibited by law from directly communicating with you and we will need to remove you from the program as a result.
Stella Brain01:27 PM
Once you leave Specialty Assistance, you may be charged past due fees of up to $35.00nd overlimit fees of up to $0.00, per occurrence.
You01:28 PM
OK
Stella Brain01:28 PM
Thank you for your co-operation.
Stella Brain01:28 PM
Shall I send you the link again for 2nd account?
You01:28 PM
YOUR WELCOME
You01:29 PM
IM LOOKING THROUGH MY PAPER WORK
Stella Brain01:30 PM
Sure.
You01:32 PM
I CAN'T FIND A STATEMENT WITH THAT ACCOUNT SORRY IT WAS ON MY APP BUT THEY REMOVE THE ACCOUNT
Stella Brain01:33 PM
No problem, you can contact us at800-CAPITAL (227-4825). A representative is available 24 hours a day, 7 days a week.
Stella Brain01:34 PM
1-800-CAPITAL (227-4825)*
You01:35 PM
WHY DO I HAVE TO CALL THEM CAN'T YOU FINISH HELP ME?
Stella Brain01:36 PM
We need to access account and need last four digits of account to access the account.
You01:37 PM
SO HOW WILL THEY HELP ME BY CALLING IF YOU CAN'T ACCESS THIS HOW WILL THEY DO THIS?
Stella Brain01:38 PM
They will be able to locate this information for you.
You01:38 PM
HOW
You01:38 PM
WHY YOU CAN'T LOCATE THIS
You01:39 PM
YOU HAVE THE SAME SYSTEM
Stella Brain01:40 PM
We are unable to determine how they work, however, if we are unable to verify information, that department will able to update or locate that information for you.
You01:40 PM
WHO IS THEY
You01:40 PM
CAPITAL ONE
Stella Brain01:41 PM
They are verification Specialist department.
Stella Brain01:41 PM
Yes.
You01:41 PM
LET ME TRY SOMETHING GIVE ME 2 MIN
Stella Brain01:41 PM
Sure.
You01:46 PM
they are no longer on my credit report when they use to what's going on
You01:46 PM
Apr 21, 2017 Creditor Name CAPITAL ONE Account Type Credit Card Account Status Closed Opened Date Jul 01, 2015 Closed Date Sep 02, 2016 Limit $300 Term - Monthly Payment $69 Responsibility Individual Balance $1,067 Highest Balance $1,067 Payment Status 60-89 Days Late Worst Payment Status 60-89 Days Late Date of Last Payment Apr 18, 2017 Amount Past Due $50 Times 30/60/90 Days Late 5/2/0 Remarks Dispute resolved; reported by grantor
Stella Brain01:48 PM
I will be right with you.
Stella Brain01:48 PM
Thank you for your information, however, we need last four digits of account number.
You01:48 PM
so you see i have a trust with you guys
You01:49 PM
i just need my credit back and bank accounts please so i can do business please
Stella Brain01:49 PM
Please call on the above number, I shall stand by with you, they will help you with verification process.
You01:50 PM
can i have the number please
Stella Brain01:50 PM
P[lease call us at 1-800-CAPITAL (227-4825). A representative is available 24 hours a day, 7 days a week.
Stella Brain01:50 PM
Please**
You01:51 PM
can i call them now
Stella Brain01:52 PM
Thank you.
You01:52 PM
no thank you
Stella Brain01:53 PM
My pleasure!
You01:54 PM
what do i do next
Stella Brain01:54 PM
Were they able to help you with the last four digits of account number?
Stella Brain01:54 PM
So I can help you with your 2nd acount.
You01:55 PM
im on the phone now
Stella Brain01:55 PM
Okay
You01:58 PM
give me 2 min
Stella Brain01:58 PM
Sure.
Visitor-2057187616-1517201:58 PM
Customer validated successfully
Stella Brain01:59 PM
For security purposes, may I please verify the code word that you have placed on your account?
You01:59 PM
denim south
Stella Brain01:59 PM
Please re-verify your code word.
Stella Brain02:00 PM
Hint is your company.
You02:00 PM
Denim South Entertainment
Stella Brain02:00 PM
Are you on call with verification department?
You02:01 PM
no I hung up with them my company is DENIMSOUTH
Stella Brain02:02 PM
Please call them again on the same number, they will be able to help you with the code word verification.
You02:02 PM
OK
Stella Brain02:02 PM
Thank you.
Stella Brain02:06 PM
No rush, I just wanted to see if you're still with me.
Stella Brain02:08 PM
I'm sorry we can't continue our chat. Since I haven't heard from you for some time, this chat session will have to close. If you need any help later, please contact us either online or by phone at 1-800-955-6600.
You02:08 PM
ON THE PHONE
Stella Brain02:08 PM
No problem.
You02:09 PM
DENIMSOUTH LLC
Stella Brain02:09 PM
Thank you for verifying that information.
Stella Brain02:09 PM
Our Recoveries Department is handling this account. So, you'll need to call 1‐800‐258‐9319 to get help with the account, to make payments, or to discuss your payment options. You can reach them Monday through Friday from 8 a.m. to 9 p.m. ET.
You02:10 PM
OK WILL IT BE IN THE FRAUD REPORT
Stella Brain02:10 PM
We don't have credit bureau impact information for you because credit scores are a function of payment histories with all creditors. For specific information about your credit report, please contact the credit bureaus.
You02:10 PM
ADDRESS FOR NEW CARD IS
You02:11 PM
MARCUS D EDMOND SR GENERAL DELIVERY SALT LAKE CITY ,UT 84101
Stella Brain02:11 PM
For account ending in 8536 please call on the account and account ending in 5426 was closed, we are unable to send a new card.
You02:11 PM
THANK YOU
Stella Brain02:12 PM
We really appreciate your willingness to work with us.
Stella Brain02:12 PM
Is there anything else I can help you with today?
You02:12 PM
WAIT I'M LOST
Stella Brain02:12 PM
For account ending in 8536 please call on the account and account ending in 5426 was closed, we are unable to send a new card.
You02:13 PM
FRAUD
You02:14 PM
SO WE THIS FOR NOTHING YOU JUST WASTED MY T.I.M.E
Stella Brain02:14 PM
We filed lost and stolen report on account ending in 5426.
You02:14 PM
YOU ARE THE PROBLEM
You02:15 PM
THANK YOU HAVE A GREAT DAY
Client Login | LexingtonLaw
clients.lexingtonlaw.com - Client Login | LexingtonLaw
Account Specialist
secure iconSecure Chat in progress
Welcome to our Capital One secure chat service! This chat will be monitored and recorded.
Please Note: Your chat window may be pushed behind your browser window while navigating our site. If your open chat window is lost, you should be able to locate it again by minimizing any other open browser windows.
Hi, this is Stella Brain. Whom do I have the pleasure of chatting with today?
You12:26 PM
This A'-men'ra but my corporation name is Marcus D Edmond Sr what I do business
Stella Brain12:26 PM
Hello . Thanks for visiting Capital One.
Stella Brain12:26 PM
How can I help you with your account today?
You12:28 PM
I want to no why are you continue to do FRAUD on My CORP NAME MARCUS D EDMOND SR?
Stella Brain12:28 PM
I'll definitely be able to help you with that today.
Stella Brain12:28 PM
I totally understand your concern over this. Let's see what I can do to address this for you.
Stella Brain12:28 PM
I'll need to look at your account before I can answer any specific questions about your situation.
Stella Brain12:28 PM
You should see some verification questions expand from the right side of your chat window. Please enter the requested information and click Validate.
Stella Brain12:29 PM
You should see some verification questions expand from the right side of your chat window. Please enter the requested information and click Validate.
Visitor-2057187616-1517212:30 PM
Customer validated successfully
Stella Brain12:30 PM
Thank you for verifying that information.
Stella Brain12:30 PM
Bear with me for just a moment while I review the account.
You12:31 PM
HOW DO YOU DO BUSINESS AND THE FRAUD STARTED WITH THE FEDERAL RESERVE BANK?
You12:31 PM
AMERICAN FIRST CREDIT UNION
Stella Brain12:32 PM
I see that you have schedule a payment of $$259.00 by 06/18/2017.
You12:32 PM
I HAVE A TRUST ACCOUNT GRANTOR WHAT'S GOING ON WITH THAT? MY TRUSTEE SUPPOSED TO BE LOOKING OUT FOR MY BEST INTEREST
Stella Brain12:33 PM
I see the account is enrolled in Autopay, that is the reason the payments are automatically get deduct from you bank.
You12:33 PM
WAS ME ARE THE SYSTEM THAT DID THIS? BECAUSE I NEVER BEEN ON THIS SITE SENSE LAST MAY 2016?
Stella Brain12:33 PM
I see the Autopay setup for the payment deduction from FEDERAL RES BANK OF ATLANTA bank.
Stella Brain12:34 PM
There is no need to worry.
You12:34 PM
YOU CAN'T GET A BANK ACCOUNT WITH THE FEDERAL RESERVE SO HOW IS THIS HAPPENING?
Stella Brain12:35 PM
Let me help you with the online steps for cancel the autopay.
Stella Brain12:35 PM
I'd be happy to walk you through the steps of canceling your AutoPay online.
You12:35 PM
HOW DID A $300 DOLLAR CREDIT LIMIT TURN INTO $1100
Stella Brain12:37 PM
Multiple payments was returned from your bank.
You12:37 PM
WHY DIDN'T THIS ACCOUNT GO OFF IN CHARGE OFF STATUS ? WHO IS LINING THERE POCKETS WITH MY MONEY?
Stella Brain12:37 PM
The principle balance on the account is $834.23
Stella Brain12:37 PM
Current balance is $1,102.24
You12:37 PM
AGAIN I DIDN'T DO THIS I BEEN HOMELESS
Stella Brain12:37 PM
Do you see any Unauthorized charges on the account?
You12:39 PM
THE LAST PAYMENT I MADE ON THIS ACCOUNT WAS THREW AMERICAN FIRST CREDIT UNION BANK ACCOUNT
You12:39 PM
WHO IS DOING THIS TO ME AND I THOUGHT YOU LOOK OUT FOR YOUR CLIENTS BEST INTEREST?
You12:40 PM
MY LAWYER FIRM SHOULD HAVE SENT A LETTER ON MY BEHALF DID YOU GET THIS?
Stella Brain12:40 PM
I will be right with you.
You12:41 PM
I HAVE A POLICE REPORT FROM DO YOU NEED IT?
Stella Brain12:41 PM
We did not receive a letter
Stella Brain12:42 PM
Have you filed a lot and stolen report on this account?
You12:43 PM
THIS IS WHAT THEY SENT ME:
You12:43 PM
Dear Marcus, Lexington Law Firm requires the credit bureaus to uphold their statutory obligations to consumers with regard to fairness and accuracy of their credit reports. In accordance with that mission, we have sent legal challenges to TransUnion on your behalf. Items Challenged on May 12, 2017 Account: AMERICA FIRST CU Account: CAPITAL ONE BANK USA NA Account: NEVADA FED COURT- LAS VEGAS After approximately 30 days there should be a response from TransUnion. You will be able to see any updates on your client website. Please forward copies of any correspondence you receive from either TransUnion or your creditors. Thank you, Lexington Law Firm 360 North Cutler Drive North Salt Lake, UT 84054 (800) 341-8441 https://clients.lexingtonlaw.com
You12:45 PM
SO HOW WE ARE GOING TO FIX THIS?
Stella Brain12:45 PM
I will be right with you.
Stella Brain12:45 PM
We did not send any letter.
You12:45 PM
MY EX WIFE BROKE INTO MY LAST YEAR
You12:45 PM
I DID'NT SAY YOU SENT A LETTER?
Stella Brain12:46 PM
If you would like to have letter from credit bureaus, I can help you with the contact number.
You12:46 PM
LEXINGTON LAW FIRM SHOULD HAVE
Stella Brain12:47 PM
Shall I help you with the contact number?
You12:47 PM
I WANT TO KNOW WHY I HAVE THESE CHARGES THAT I DIDN'T DO?
You12:48 PM
I CAN'T PAY FOR SOMETHING I DIDN'T DO ARE HAVE CONTROL OVER
Stella Brain12:49 PM
May I know the amount and date of unauthorized charges?
You12:49 PM
SO DO I NEED TO SEND THE POLICE REPORT
Stella Brain12:50 PM
There is no need to send a police report.
You12:50 PM
BECAUSE EVERYTHING I HAD PURCHASE IN APRIL 2016 WAS STOLEN? BY MY EX WIFE? SO WHAT DO I DO?
Stella Brain12:50 PM
As a Capital One customer your account has $0 fraud liability so you are not liable for any fraudulent charges.
You12:51 PM
OK THINK YOU EVERYTHING WAS FRAUD
Stella Brain12:52 PM
In order to make sure that I am leading you down the right process I am going to be asking you several questions throughout our chat.
Stella Brain12:52 PM
Do you have your credit card or do you know where it is located?
You12:52 PM
I DIDN'T EVEN TAKE THE STUFF OUT THE BOXES FROM BOTH OF MY ACCOUNT BUT THE OTHER ACCOUNT WAS A CHARGE OFF
You12:53 PM
SHE STOLE IT I HAD TO MOVE OUT OF VEGAS I NOW LIVE IN SALT LAKE CITY UTAH?
Stella Brain12:54 PM
Have you done business with the merchant in the past?
You12:54 PM
I HAVE ONLY BANK STATEMENTS
Stella Brain12:56 PM
I will be right with you.
You12:57 PM
AGAIN I CAN SEND YOU THE POLICE REPORT I DON'T REMEMBER THE ONLY REASON I CONTACT YOU GUYS BECAUSE I GOT A EMAIL FROM YOU GUYS SAYING A PAYMENT FAIL AND I KNOW I DIDN'T DO THIS I LIVE IN A HOMELESS SHELTER UNTIL I SETTLE DOWN HERE.
Stella Brain12:58 PM
Thank you for waiting. I'll be with you in just a moment.
Stella Brain12:58 PM
I would suggest you to please cancel an Auto Pay, so Auto Payment will not deduct automatically until you schedule payment on the account.
You12:58 PM
THE LAST THING I WAS GOING THROUGH A DIVORCE AND THE JUDGE THREW OUT MY MOTION BECAUSE SHE SAID IT WAS TO CONFUSING
Stella Brain12:59 PM
I'd be happy to walk you through the steps of canceling your AutoPay online. If you can select the "Payments" tab, you will see a "Payment Activity" sub-tab directly beneath.
Stella Brain12:59 PM
Please locate the payment that you would like to update.
Stella Brain12:59 PM
Going across that column you should find the Status column. In that column you should see two options, Edit or Cancel, beside that account.
Stella Brain12:59 PM
All you would need to do is select "Cancel". A pop-up box should appear asking if you are sure you wish to cancel this payment. If you are sure, click the "Save Changes" button.
Stella Brain12:59 PM
Once you have canceled your AutoPay an alert will be sent to you advising you of your cancellation.
Stella Brain12:59 PM
I completely understand your situation.
Stella Brain12:59 PM
Shall I file lost ans stolen report on this account?
Stella Brain01:00 PM
and*
You01:00 PM
CAN I GET A COPY OF THE ACCOUNTS THAT IS LINK TO MY ACCOUNT BECAUSE I'M TAKING THIS TO COURT I WANT MY LIFE BACK WITH INTEREST
Stella Brain01:01 PM
You can refer your statements.
You01:01 PM
YES YOU CAN FILE THE PAPER WORK PLEASE I WANT BACK BOTH OF MY ACCOUNTS BACK PLEASE WITH GOOD STATUS
Stella Brain01:02 PM
Here's what we can do. We can cancel the account number with the lost or stolen card. I want to ensure that you are aware of the action being taken before we proceed.
Stella Brain01:02 PM
Is it ok to continue?
You01:02 PM
I SHOULD NOT BE PUNISH RIGHT FOR SOMETHING I DIDN'T DO ARE HAVE CONTROL OVER RIGHT?
Stella Brain01:02 PM
I would like to inform you that this account was already closed on 09/02/2016
You01:02 PM
YES PLEASE
You01:03 PM
AGAIN WHY
Stella Brain01:03 PM
Unfortunately, Capital One has closed your account/s based on returned payment activity on this or a related account. You should stop using your card/s immediately and destroy any cards and checks associated with your account/s. Even though this account has been closed, you will continue to receive billing statements until your balance reaches zero.
You01:04 PM
MY GRANTOR TRUST ACCOUNT IS STILL IN YOU GUYS CARE RIGHT?
You01:04 PM
I DON'T HAVE NO CARDS MY EX WIFE STOLE THEM FROM MY HOUSE WOULD YOU LIKE THE POLICE REPORT?
Stella Brain01:05 PM
I do understand, however, we are unable to reopen this account.
Stella Brain01:05 PM
You can always apply for an account. Your application will be reviewed at that time.
You01:05 PM
WHY? WHAT DID I DO WRONG?
Stella Brain01:06 PM
Because of an Auto Pay, multiple payments was returned from account.
Stella Brain01:06 PM
Because your security is important to us, I need to ask you a series of questions and share some important information with you.
Stella Brain01:06 PM
Because your security is important to us, I need to ask you a series of questions and share some important information with you.
Stella Brain01:06 PM
What is the best day time contact phone number?
You01:06 PM
AGAIN I DIDN'T DO THIS FROM WHAT BANK?
Stella Brain01:07 PM
Yes, however, account is set an Auto Pay and we are unable to cancel or enroll account in an Auto Pay.
You01:07 PM
I WORK MON - FRIDAY OFF ON SAT AND SUNDAY
Stella Brain01:07 PM
So account holder needs to be cancel it.
Stella Brain01:08 PM
Let me process lost and stolen report on the account.
You01:08 PM
OK
Stella Brain01:08 PM
Please help me with the contact number.
You01:09 PM
702-500-4444 I CAN ONLY RECEIVE TEXT ARE VOICEMAIL ON THIS LINE OK
You01:10 PM
I'M IN THE PROCESS OF GETTING A SALT LAKE CITY NUMBER NEXT PAYDAY WHICH IS FRIDAY FOR ME I GET PAID EVERY FRIDAY
Stella Brain01:11 PM
I will be right with you.
You01:11 PM
BUT I'M HAVING A PROBLEM OPENING ACCOUNT FROM ALL THIS FRAUD
You01:12 PM
THAT I DIDN'T DO
Stella Brain01:13 PM
Please help me with police report number.
You01:13 PM
I HAVE MY PAYCHECK AND DON'T KNOW WHAT TO DO WITH THE CHECK
You01:14 PM
NORTH LAS VEGAS POLICE DEPARTMENT HAVE IT I CAN CALL AND HAVE THEM MAIL IT TO ME
You01:15 PM
I HAVE TO PAY FOR IT BUT THE HAVE NO CARD TO DO SO
You01:15 PM
I HAVE NO CARD TO PAY FOR IT
Stella Brain01:15 PM
I will be right with you.
Stella Brain01:16 PM
No problem.
You01:16 PM
BUT THEY HAVE IT BECAUSE IF THE JUDGE WOULD HAVE DONE HER JOB IN MY DIVORCE I WOULD HAD HAVE A FREE COPY OF IT
You01:18 PM
WHERE I GET MY MAIL UP HERE UNTIL I GET A PLACE IS GENERAL DELIVERY SALT LAKE CITY UT, 84101
Stella Brain01:18 PM
We have changed your card ending in 7392 and you now have a new card number.the old card number has been locked to prevent any additional charges.If you have recurring payments, we recommend you contact the companies and provide them with your new card information.
Stella Brain01:19 PM
You can continue to service your account online as usual.
You01:20 PM
OK BUT HOW I'M GOING TO PAY IT WHEN THEY FROZE MY CAPITAL ONE 360 ACCOUNT THAT I HAD NO CONTROL OVER THIS HAPPENING
You01:21 PM
I WENT TO AMERICAN FIRST CREDIT AND THEY SAID I OWE THEM MONEY BUT AGAIN I DIDN'T DO ANYTHING WRONG
Stella Brain01:22 PM
For the same, please cancel an Auto Pay and delete the bank account information from which you would not like to make the payment.
You01:22 PM
WILL DO
Stella Brain01:22 PM
Please click on "Manage Payment Accounts" tab.
Stella Brain01:22 PM
And delete unwanted bank account information.
Stella Brain01:23 PM
Shall I access 2nd account?
You01:23 PM
YES
Stella Brain01:23 PM
Some fraud authorizations may not post to the account. If fraud transactions post to your account, an agent may be assigned to your case and contact you directly within 3-5 business days.The claim resolution could take up to 30-90 days and you’ll receive a letter about your investigation within 5-10 business days of opening your claim.Once posted, transactions marked as fraud will be automatically credited to your account within 72 hours; however, these funds will not be available for use until after the investigation is completed.Please continue to make payments on the valid remainder of your balance. Any pending payments made to the old account will transfer to the new account.If you identify any additional fraudulent transactions, please call us back to update your fraud report.
Stella Brain01:23 PM
Sure.
Stella Brain01:23 PM
You should see some verification questions expand from the right side of your chat window. Please enter the requested information and click Validate.
You01:24 PM
GIVE ME A SECOND WHILE I LOCATE THIS ACCOUNT
Stella Brain01:25 PM
Sure, take your time.
Stella Brain01:26 PM
We have entered your account ending in 5426 into Capital One's Specialty Assistance program. While your account is in this program, Capital One will not assess your account a past due or overlimit fee. This may take up to one billing cycle to take effect.
Stella Brain01:26 PM
Enrollment into the program requires us to communicate directly with you. You have legal rights that may prevent us from directly communicating with you, including: filing for bankruptcy, requesting a cease and desist from communication with us and / or being represented by an attorney. If you do any of these, we may be prohibited by law from directly communicating with you and we will need to remove you from the program as a result.
Stella Brain01:26 PM
Other actions that will remove you from Specialty Assistance, include: successfully bringing your account current, enrolling in a workout program with us or through a Consumer Credit Counseling Service, being approved for a debt protection benefit that brings your account out of collections and / or failing to make the required payments to force your account to charge-off. If you do any of these, we may be prohibited by law from directly communicating with you and we will need to remove you from the program as a result.
Stella Brain01:27 PM
Once you leave Specialty Assistance, you may be charged past due fees of up to $35.00nd overlimit fees of up to $0.00, per occurrence.
You01:28 PM
OK
Stella Brain01:28 PM
Thank you for your co-operation.
Stella Brain01:28 PM
Shall I send you the link again for 2nd account?
You01:28 PM
YOUR WELCOME
You01:29 PM
IM LOOKING THROUGH MY PAPER WORK
Stella Brain01:30 PM
Sure.
You01:32 PM
I CAN'T FIND A STATEMENT WITH THAT ACCOUNT SORRY IT WAS ON MY APP BUT THEY REMOVE THE ACCOUNT
Stella Brain01:33 PM
No problem, you can contact us at
Stella Brain01:48 PM
I will be right with you.
Stella Brain01:48 PM
Thank you for your information, however, we need last four digits of account number.
You01:48 PM
so you see i have a trust with you guys
You01:49 PM
i just need my credit back and bank accounts please so i can do business please
Stella Brain01:49 PM
Please call on the above number, I shall stand by with you, they will help you with verification process.
You01:50 PM
can i have the number please
Stella Brain01:50 PM
P[lease call us at 1-800-CAPITAL (227-4825). A representative is available 24 hours a day, 7 days a week.
Stella Brain01:50 PM
Please**
You01:51 PM
can i call them now
Stella Brain01:52 PM
Thank you.
You01:52 PM
no thank you
Stella Brain01:53 PM
My pleasure!
You01:54 PM
what do i do next
Stella Brain01:54 PM
Were they able to help you with the last four digits of account number?
Stella Brain01:54 PM
So I can help you with your 2nd acount.
You01:55 PM
im on the phone now
Stella Brain01:55 PM
Okay
You01:58 PM
give me 2 min
Stella Brain01:58 PM
Sure.
Visitor-2057187616-1517201:58 PM
Customer validated successfully
Stella Brain01:59 PM
For security purposes, may I please verify the code word that you have placed on your account?
You01:59 PM
denim south
Stella Brain01:59 PM
Please re-verify your code word.
Stella Brain02:00 PM
Hint is your company.
You02:00 PM
Denim South Entertainment
Stella Brain02:00 PM
Are you on call with verification department?
You02:01 PM
no I hung up with them my company is DENIMSOUTH
Stella Brain02:02 PM
Please call them again on the same number, they will be able to help you with the code word verification.
You02:02 PM
OK
Stella Brain02:02 PM
Thank you.
Stella Brain02:06 PM
No rush, I just wanted to see if you're still with me.
Stella Brain02:08 PM
I'm sorry we can't continue our chat. Since I haven't heard from you for some time, this chat session will have to close. If you need any help later, please contact us either online or by phone at 1-800-955-6600.
You02:08 PM
ON THE PHONE
Stella Brain02:08 PM
No problem.
You02:09 PM
DENIMSOUTH LLC
Stella Brain02:09 PM
Thank you for verifying that information.
Stella Brain02:09 PM
Our Recoveries Department is handling this account. So, you'll need to call 1‐800‐258‐9319 to get help with the account, to make payments, or to discuss your payment options. You can reach them Monday through Friday from 8 a.m. to 9 p.m. ET.
You02:10 PM
OK WILL IT BE IN THE FRAUD REPORT
Stella Brain02:10 PM
We don't have credit bureau impact information for you because credit scores are a function of payment histories with all creditors. For specific information about your credit report, please contact the credit bureaus.
You02:10 PM
ADDRESS FOR NEW CARD IS
You02:11 PM
MARCUS D EDMOND SR GENERAL DELIVERY SALT LAKE CITY ,UT 84101
Stella Brain02:11 PM
For account ending in 8536 please call on the account and account ending in 5426 was closed, we are unable to send a new card.
You02:11 PM
THANK YOU
Stella Brain02:12 PM
We really appreciate your willingness to work with us.
Stella Brain02:12 PM
Is there anything else I can help you with today?
You02:12 PM
WAIT I'M LOST
Stella Brain02:12 PM
For account ending in 8536 please call on the account and account ending in 5426 was closed, we are unable to send a new card.
You02:13 PM
FRAUD
You02:14 PM
SO WE THIS FOR NOTHING YOU JUST WASTED MY T.I.M.E
Stella Brain02:14 PM
We filed lost and stolen report on account ending in 5426.
You02:14 PM
YOU ARE THE PROBLEM
You02:15 PM
THANK YOU HAVE A GREAT DAY
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Sabra recalling about 30K cases of Classic Hummus due to possibility of listeria contamination http://cbsn.ws/1CtmhpH
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Davids Ghost: I have never had it before. Now I am glad.
Travis Hodges: BIG DIFFERENCE BETWEEN GHOST AND COWARD
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Explosion, huge fire, in NYC's East Village: http://cbsn.ws/1EHG3iw
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Miguel Quinones: Put us vet's to work here in our country, we are always trained and ready for confrontation
Stella Weeks: Is Gayle still working at CBS This Morning? I don't see her on there much any more!
Rosa Ortega: +david kanhgtas you right, I pray every day x family & peace Word, pray is power the Lord.God bless.
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It might be hard to believe, but winter 2014-15 was the warmest on record globally: http://cbsn.ws/1AG0g6Y
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Michael Morales: either optimis or republican, but in case Mr Tipton have not cash up with common knowledge this heat is produce by unnatural force, we an we do not know the answer at this point because we are to dumb lazy and contible to do something when we could have, but thanks the guys with all the money-oil- they did a wonderfull job and without vasiline to the 99% of the population and are to stupid to think that their children or love ones will be exempt or buy their way out of this. How stupid can you get?-Greed
Arc Michael: CBS got Crack? at Los Angeles, we had over 50+ days, well below normal. only the last two days has weather turned to normal. Get lost. I use UC Berkeley chembio and not NOAA lying ocean temp chicanery.
Arc Michael: in Los Angeles, we had 52+ days this spring, WELL BELOW NORMAL.
USA is a fraud the scientists are frauds and now it too.
USA is a fraud the scientists are frauds and now it too.
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Clinton: Looking back, it probably would have been smarter using two devices. cbsn.cbsnews.com
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Karen Riner: "Looking back"...probably would not have mattered, HIllary. You would have had to make a choice with two phones, right? Either way, then...in the beginning, or now, the right would have attacked you. We don't care about this silliness. We care about "big girl stuff" like, the war on terror, nukes, north korea....move on and forward. Those of us with "adult minds" are with you. We "get it". RUNBABYRUN!!
Robert Johnson: +James Unger I never believe the propaganda of USA politicians preach about democracy , freedom, independence and justice for all, they continue to brainwash children mind teaching false America values in school. We know the America we may have learned in elementary is a fairy tale, Does not matter who is president, the president is a puppet control by money, Today you have a society of people waking up realizing the principals of America was only propaganda to condition people mind, to conform to serve and protect their evil belief system of wealth and power. my experience from city of Muskegon of Muskegon county of the state of Michigan USA the government is the true terrorist http://usa-domestic-terrorism.blogspot.com/2016/07/government-is-true-terrorist-within.html
Karen Riner: The 47 who just broke the Logan Act need to go to jail ! Again, and over and over I ask: Why can't the NSA just make copies and share? It's not like the government does not already have ALL of her emails...even the yoga posts and egg salad recipes...Iraq really needs that egg salad recipes guys...now, come on! An oil deal could fall through without that tag on Hillary's menopause status!!
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One woman's act of generosity set off a chain reaction that could save numerous lives: http://cbsn.ws/1ErfPEk
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Lizzy: Help
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After 17 years, girl kidnapped at birth is reunited with parents in South Africa: http://cbsn.ws/1DWjzN6
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Betty Chamberlin: Praise the Lord
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Leonard Nimoy's death inspires "Spocking" of Canadian currency: http://cbsn.ws/1DWkQnh
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killer gamer minecraft & more: Hi
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Chicago just had its coldest February in 140 years.
The average temperature was 14.6F: http://cbsn.ws/1E9VXFB
The average temperature was 14.6F: http://cbsn.ws/1E9VXFB
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Arc Michael: ON another thread CBS u stated we have had a rare two year global warming. Get your facts strait. Is charlie Rose smoking crack again? Where is Brain Williams, now at your command post?
dddavids Ghost Cams: Weather extremes are part of #GlobalWarming . There are spots in the U.S. that also had their warmest winter days this year, and the Earth is a very large place.
Alex Huilman: Expected behavior from a generally warming planet. Jet stream displacement allowing for arctic air to sweep further south in specific regions than it otherwise would. Things will keep getting worse, with more extreme localized weather events on the horizon. But the disconnect between weather and climate rings loud and clear in a cool 50% of the comments on this post.
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Video catches cops shooting man dead in L.A. http://cbsn.ws/1AOJ0jr
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Monica Rivera: This cops are crazy they wanna shot people for no reason
Terry Metcalfe: I get nervous when i go out watchin people and police 1 time i was pissin on the side of this vacant buildin someone said put yo hands up it was a cop pointin a gun at me i shit bricks he gave me a ticket .
Jason G.: He was going for the cop's gun. At least from what I heard. He didn't have a gun himself.
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