Complaint Review: FLEET CREDIT CARD SERVICES - Wilmington Delaware

FLEET has now added a new company to collect on their accounts. This is more Fleet Rip Off. FLEET changes collection companies to defraud the consumer. Alegis Group LP claim I owe money to companies called Sherman Acquisition II LP and a company called Triad, when in reality, they are working under cover for FLEET. ALEGIS is now in bed with FLEET as another "dead beat" collection agency. FLEET could never provide proof I owed them any money nor can any of their collectors like ALEGIS LP. We need lawyers out there to protect the consumers from fraudulent credit card companies and collection agencies.

Fleet advertizes the following information to its customers. Your Billing Rights and Our Responsibilities We cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges. You do not have to pay any questioned amount while we are investigating, but you are still obligated the parts of the bill that are not in question. We must tell you the name of anyone we reported you to. Zero Liability Protects you against verified unauthorized use of your credit card online, offline or anywhere. Fraud Protection-Can help prevent fraud and can alert you to unusual activity. Fleet Bank is part of Fleet Boston Financial, the 7th largest financial services company in the country. The company has been meeting the financial needs of consumers for over 200 years and now serves over 20 million customers, with over $190 billion in assets. Carol D. Meyers Executive Vice President Fleet Credit Card Services PO Box 2050 West Caldwell, NJ 07007-9046

Watch out. Fleet comes from all directions,as these addresses were taken from various correspondence on my credit card account. Fleet Credit Card 650 Maamans Road Claymont, DE. 19703 Fleet CC 200 Tournament Dr Horsham, PA., 19044 Homecomings Financial NE 100 Quintin Roosevelt St. Garden City, NY., 11530 Fleet CC 301 Rockerimmon Blvd Colorado Springs, CO., 80919 Fleet CC 300 N Wakefield Dr. Newark, DE.,19702 Fleet POB 1001 Horsham, PA.,19044 Fleet Credit Card Services POB 961 Horsham, PA.,19044 Fleet POB 15480 Wilmington, DE.,19850-3839 Fleet Credit Card Service POB 15122 Wilmington. DE.,19886-5122 Fleet 7801 Metro Parkway Suit 100 Bloomington, MN., 55425 Fleet Credit Card Service POB 15118 Wilmington, DE., 19886-1318

Why I believe Fleet Credit Card Services violated Federal Acts per the definitions from: http://www.fdic.gov/consumers/consumer/rights/index.html The Fair Credit Billing Act establishes procedures for the prompt correction of errors on open-end credit accounts. It also protects a consumer's credit rating while the consumer is settling a dispute. The "Fair Credit Reporting Act" establishes procedures for correcting mistakes on a person's credit record and requires that a consumer's record only be provided for legitimate business needs. It also requires that the record be kept confidential. A credit record may be retained seven years for judgments, liens, suits, and other adverse information except for bankruptcies, which may be retained ten years. If a consumer has been denied credit, a cost-free credit report may be requested within 30 days of denial. The "Fair Debt Collection Practices Act" is designed to eliminate abusive, deceptive and unfair debt collection practices. It applies to third party debt collectors or those who use a name other than their own in collecting consumer debts. Very few commercial banks, savings banks, savings and loan associations, or credit unions are covered by this Act, since they usually collect only their own debts. Complaints concerning debt collection practices should generally be filed with the Federal Trade Commission. The "Federal Trade Commission Act" requires federal financial regulatory agencies to maintain a consumer affairs division to assist in resolving consumer complaints against institutions they supervise. This assistance is given to help get necessary information to consumers about problems they are having in order to address complaints concerning acts or practices which may be unfair or deceptive.