My question involves collection proceedings in the State of: New York Or New Jersey
My Credit Union is based in NJ and I am in NY (and joined in this state) - which state law applies? And is there a statute of limitations?
In May 2015 my Credit Union sent me a Visa statement for charges under "Purchase Advance Balance" for about $1200.
When I called and questioned them, as I have not used or activated their card in many years, they said the charges were from 2010.
I requested an an accounting in writing of each individual charge, and yesterday they sent me a list with charges from January 2008 through November 2010.
Note that during these years I have NEVER been billed by them (they admit this). This is the first I have seen or heard of these charges.
I contacted two of the vendors listed, and they had no records of me ever having contracted services. One is a debt collector who assured me their records go back beyond 2008. One vendor's bill is duplicated. Some out of town charges were incurred while I was at home, according to my 2010 datebook.
In summary - there are some problems with this statement.
Can I be sued for collection of these debts? Would NJ or NY law apply?
Or do I need to worry about disputing these charges?
Note I did file a complaint with the National Credit Union Administration immediately in May, but have not heard back from them.
Thank you for any assistance.

