u/YourMom-1985

9 years ago my husband was laid off from his job. We had some credit cards and couldn’t afford to pay them. We did InCharge Debt Solutions and were making payments for about a year. We managed to pay off quite a few cards but I had one on there that was just too large. He got a new job and it was less pay and we just couldn’t manage it. InCharge was of no help so we had to stop paying. This was over 7 years ago now.

We’re in a little bit better of a situation now but still rebuilding. For some reason they let my husband have a capital one card but for me they will not. They always say I have delinquent accounts. When I finally got sick of this answer I looked into it. I don’t have any. However, when I asked for proof of one that one person brought up they sent me the last statement. It’s a synchrony bank Walmart card that was closed in early 2019. It’s not showing on any of my credit reports and when I asked capital one about it I went back and forth with nonsense canned answers and finally asked for a supervisor. He was incredibly smug and rude and pretty much just said they acquired the account in 2019. According to my research they started doing this in October of 2019. I also read it wasn’t all of the accounts.

So I’m not sure when it was actually acquired by them but I was never notified. It was a synchrony account as far as I’ve ever known. It is also no longer on my credit report with synchrony. When I asked if it was charged off and about the statute of limitations being put into place he just told me they didn’t charge it off, which I find hard to believe as it’s over $2,000. He claimed it’s in house and still collectible. I’m not super familiar with the laws and limitations based on what he’s saying.

I’m trying to get a capital one card to keep rebuilding my credit as I know they are typically one of the easier to get and gave me good credit limits in the past to be able to acquire better cards.

Do I just give up? I’m having a hard time figuring out where to go from here as I still don’t really understand how they basically took a closed card debt and claimed it as their own well after I stopped paying on it.

After going through like 7 mattresses in 20 years I think I finally have what I’ve been looking for. I could write a novel.

Anyhow I have only 2 complaints. This mattress isn’t high enough for my liking being only 10 inches thick. We previously had a 14 or 15 inch with a 9 inch box spring and most recently had a 13 inch mattress on an adjustable bed. I feel so low to the ground with this thin one. I prefer to climb into bed like a child than drop down low to get into bed. Thinking of adding their topper to give me some height and just a little more plushness. I’m okay with how firm it is so really don’t mind either way.

My biggest gripe is the lack of edge support. The sides are pretty bad but the end of the bed is nonexistent. I can push it down with my hands which screams cheap to me. And sitting on the end you just fall off if you don’t hit the support bars for the adjustable bed. You'd think the edge support would be the same all the way around. Is everyone’s like this or did I get stuck with a defective one?