Originally Posted by
guv1976
Wirelessly posted (BlackBerry: BlackBerry8530/5.0.0.1030 Profile/MIDP-2.1 Configuration/CLDC-1.1 VendorID/417)
"So, does anyone have any ideas how to repair my previously flawless credit score without being subjected to another two months of this?"
I don't, but how is it that you ignored the monthly statement on which the fraudulent charge first appeared? And there should be instructions on the back of your statement re: how to dispute a charge. Even if it took months for U.S. Bank to send you their affidavit form, that did not excuse your failure to dispute the fraudulent charge in writing in a timely manner. You have certain legal protections when it comes to fraudulent credit-card charges, but you must submit a dispute in writing within a certain period of time to preserve them.
Sorry to learn of your misfortune.
I think you misunderstand me--I initiated the process in writing well within the required timeframe. I was told by customer service at least 5 times that this would not be reported as a delinquent charge. I returned the affadavit the day I received it and the charges were reversed. The charges were still reported.