Violation of SCRA by Express Inc. (WFNNB)
Posted Fri July 20, 2012 12:00 pm, by Juan R. written to Express, Inc.
Write a Letter to this Company
I have exhausted my resources to get this situation fixed in regards to a SCRA violation by Express Inc. (WFNNB). I had this Express Inc. credit card account since 2005 and everything was being paid in time, no late payments whatsoever. I decide to join the armed forces and notify Express by fax, and phone calls of my active duty status in 2009. Express Inc starts listing 30,60,... late beginning on October 2009. October 2009 got sent overseas to Japan for training and future deployment to Middle East on October 2010. During that time Express Inc.(WFNNB) send my account to collections which is violating SCRA regulations paragraph III.
The SCRA Protect Servicemember's Credit:
Whenever a servicemember exercises his/her rights under SCRA, the Act prohibits anyone from adversely affecting his/her credit by:
• a determination by a lender that the member is unable to pay;
• a denial or revocation of credit by a creditor;
• a change in the terms of an existing credit arrangement;
• a refusal by a creditor to grant credit to the member;
• an adverse credit report;
• a refusal by an insurer to insure the member or a change in the terms offered or
conditions required for the issuance of insurance.
All I am requesting if for this erroneous information to be removed, especially when account balance has been paid.
Should accept that their account management staff made a mistake by sending an active duty servicemembers account to collection while on active duty after they had been notified of enlistment. Then removing the negative information off the account which is not only affecting credit rating, but also secret clearance requirements.
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