credit prob/accidental/long - Posted by MilNC
Posted by MilNC on January 07, 1999 at 19:16:14:
Grrr. I just received notice that a credit card was cancelled.
The moral of this story: even well-meaning people can have
Check your credit even though people will say, everytime
you check it it’s a mark against you". Who said that…was it…Satan?
The letter said to call Equifax, but first, I called the card that was cancelled. Through various routings, I finally learned
I’d been turned over to a collection agency in early 1997.
by a different credit card company, with wich I have a current and account. Each time I was told, “we can’t tell you anything” I called the CC company that reported me, and said Yes, you can, you are the ones who reported me as a loss. So then I got a supervisor who gave me more details and phone numbers.
It turns out that I moved 3 states away, right after
the charge. I had made a payment, as I later found out,
in 1994, for 182.92 and amount which to me says" paid
in full", though, I am not saying the acct was or was not
paid in full, just don’t know. Could have been cc fraud–I had a house sitter. But Just don’t know.
I was told by the collecting company that “you must have had an unlisted number.” No I don’t, never have. I had done everything I could, used a mail boxes etc. in one city to forward to
mail boxes etc. in the next city to assure (HA!) continuity.
So this one weasily bill didn’t get forwarded. They got
all the envelopes back, and still “couldn’t find me”.
Though I changed residences several times, I always kept
my new US PO box, just “to maintain continutity”, even
though I have to drive to the PO to get mail.
The guy from the collections agency, Commercial Financial Services, was trying to be intimidating, saying you must
have had an unlisted number, etc, and the more info I tried to find out about the identity of the charge would say how
he was only trying to collect $600, but his company was so
large that he could spend his time collecting on $30,000
debts ( I was wasting his time). Like I care. Like I didn’t take a Loooong time to contemplate his remarks after he said that.
He offered me a discount: the original amount, no interest,
if I would pay immediately, on the phone. Otherwise, to
verify the information, it would take 6-8 weeks to “research it on microfiche” (hello?) and then no discount
would be offered. OK, I’ve read the “negotiating” tactics’
posted here, I know about discounting, make a deal today, etc, but I’m a consumer here, and was making a call to inquire. I guess I should have stopped and instead of thinking he who speaks first loses,
should have said, OK, I’ll pay $300! Instead he said I
had to pay $497, so he spoke first and won.
Also, I have no way to find out what the charge was for, and
if I take the time to educate myself or even know if it
was an error, and don’t know what my recourse would be
if it was, then it "takes 6-8 weeks and then…no discount"
Like I believe that. No one can tell me what the charge was, I have to play their game. Or I can write to
a gov’t agency.
Seems my case just bobbed to the surface between all those
other “big deals”. They reported mt to Equifax. I called
Commercial Fin. Serv. to clear it up. (will call Equifax
Overall information from HIM was that I couldn’t find out information–it was unknowable. I sort of doubt that. Well certainly not from him. I hope he was generously frustrated.
I don’t need to be treated like a deadbeat when his company can’t figure out how to use a phone, or get a good address.
OK: here is the point. I found out today, that a card was
cancelled due to info received from Equifax. The Equifax
info was based on Commercial Financial Services, a collection agency that I was turned over to in 1997 as a "loss"
who, apparently couldn’t find me for 2 years because they went back to a mailboxes etc address that I had not had in 2 years and kept sending letters to
it…(why) though they were all returned, and now claim they couldn’t find me, even though I have another account with the same company. They didn’t attempt to go back to the credit card company for a updated address.
I personally liked the statement that they have a big building…and are so busy, and have so many big accounts, and, and, and… I said, but you have computers.
When I knew I was going to move, I forwarded my house mail to the mailboxes at origin, then forwarded to next location,
kept that location, and forwarded from that MBE to a PO which I have had for 3 years. Used the same name, always had a listed phone in my name, had the cards through my professional association, which had my address, listed in the state member association directory
It just amazes me. A debt from 4.5 years ago. And considering my efforts to maintinan a consistent mailbox
Time to write the mother of all letters to my cc company
explaining situation. Anyone know the
right reporting agencies to copy?
So moral #2: go ahead and check your credit report periodically?
Bottom line, I should get a discount no matter what, since it is not my fault they couldn’t find me ( the discount was just minus the interest) Who lets 2 years of returned
bills pile up and then whines?