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Blinkybambam's Achievements

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Advanced Member (3/6)



  1. Hi, Last summer, I went to the ER and was billed for three services - the ER facility fee, the ER doctor's fee, and the fee for the CT scan I received. My insurance paid the ER facility and ER doctor's fees, but did not pay for the CT scan. My insurance company covers almost everything, and they've never denied a claim before - they're stating that they have never even received the claim for the CT scan, and therefore certainly didn't deny it. I discovered this after it was posted to my CR by a JDB. I contacted the JDB, and they agreed to remove it for 60 days but would place it back on my CR if the bill was not paid by that point. The JDB also stated that they would contact the radiology firm and ask them to *correctly* bill it to my insurance company. I've asked the JDB to send me a copy of the bill so I can attempt to send it to my insurance company to have it rebilled, but they've not sent one to me. The issue is, I'm certain that the radiology firm incorrectly billed my insurance company, and they essentially refuse to rebill them or give me a copy of my statement so that I could have the opportunity to either pay it or send it to my insurance company for reconsideration. I've asked the JDB and the radiology firm (had to email them as they don't have a public phone number) to resubmit the bill to my insurance, but they're both essentially playing dumb and saying that it was declined by my insurance - which again, even if was declined, there's no reason why they can't resubmit it - they're really making it difficult for me and I'm not sure what to do at this point. It's the only negative thing on my CR and I'm really upset about it as all it would take was a simple rebilling to get this situation resolved. Advice?
  2. Hi, About two months ago, I noticed a few inquiries on my credit report that I did not recall authorizing, so I disputed each one with the companies listed on my credit report, CMRRR. Over 30 days has passed since each company has received my dispute letter; of the six or so companies that have received the letters, only two have responded. I thought that they were required to respond within 30 days after receipt of the letter or they could be sued. An attorney I spoke with stated that I had to dispute through the credit bureus first, but that doesn't do anything because they just check eOscar or whatever and confirm it without proving that anything actually transpired. I wanted actual proof that I authorized these inquiries aside from the companies simply stating "Oh, you did." Do I have any right to sue at this point? What should my next step be? Thank you
  3. I've pursued litigation for a similar reason using just the time, date, and customer ID of the person involved... but it's been for another type of company and not one that I've done business with. I really don't know where even to send a CMRRR because nobody there talks to you aside from when you stay on the phone for an hour if you want to wait for transfers.
  4. Hi, I have an account with a certain bank, and I continue to get calls from them, about one or two per day, soliciting me to take a survey. After receiving far too many calls, I called the bank's customer service line, and asked to be removed immediately. I got the customer service rep's name and ID. She stated to me that it would be removed immediately and that I would receive no more calls from the bank unless it was for a banking matter related to my account (i.e., account fraud, account activity, etc.) Of course, this evening, I've already received four more calls asking if I'd like to take a survey. Is this a violation of TCPA rules?
  5. I did look over my original agreement, and it did allow for pre-recorded messages, so I guess there's nothing there I can do. I will wait a few more days for a dunning letter, and if I don't receive it by say, next Friday (?) and I continue to get calls from them, I'll contact an attorney and also DV them.
  6. Well, I never gave them consent to receive robocalls, as this is the first call I received. I found the address to the company online (it's a pretty large CA), so I've got that covered Thanks for your reply!
  7. Hi, I received my first call from a CA today. I let it go to voicemail (it was a robocall), and I'm wondering about some things: 1) Are they supposed to send me a dunning letter within 5 days of initial contact? 2) What if they send it to my old address? About my old address - I haven't lived there for three years. Is it their responsibility to find my current address so that they can send me a dunning letter, or if they just say "well, we sent it to her old address", is that sufficient? I think it's ridiculous to expect anyone to keep forwarding mail 3+ years after they've moved, and my new address is listed on my credit report. And about these robocalls - they state the name of the collection agency, that this call is an attempt to collect a debt, and the number to call them back. The number that they want you to call back is a different number than the one they call you from. Is this in compliance? Thanks!
  8. Hi, Thanks all for replying. So I've got an update on this. I sent a 623 letter to the OC explaining the issue; they sent me a letter explaining that they'd like me to call them. I called them, got some hillbilly who was all "Well, we have records of your account, um, we just um, sold them to a CA so we're gonna keep this on your report." I think this is ridiculous. There's no way they could have verified it prior to this, and now they're unwilling to remove the listing. What should I do next?
  9. Hi, I'm been doing a little reading on this but I'm still unsure as to how to go about this, so I'm hoping someone here can help me. A few months ago, I pulled up my credit report and realized there were two entries on it from a certain telephone company. I disputed the entries with all three credit bureaus; they all came back verified. I then called the telephone company, and was told that these accounts were 'at a zero balance' and that they did not have any original records on them. I did get the representative's name, customer ID, and date/time of call (I take good notes! lol), so her statements should be verifiable. I'm planning on writing a 623 letter, but I'm unsure if I send it to the CA (as if they'd assist me anyhow) or if I send it to the legal department of the telephone company. From what I've read, I would send my 623 to the legal department of the telephone company, but I'm unsure of what to do. If I was supposed to, in fact, send the 623 to the legal department of the telephone company, what does the telephone company do next? Contact the CA's and tell them to remove the entry from my CR? How does all of this work? Thank you SO much for reading this I appreciate your help!
  10. Hi, So I disputed a TL with all three CRA's, and two of them came back verified (the third never responded). So using the 623 dispute method, should I contact the OC or the CA or both (the CA is reporting the debt, not the OC)? Also, how should I contact whomever I'm supposed to contact? CMRRR? Phone? I know this question has been asked before but I really don't understand what to do, so if someone could guide me I'd really appreciate it. Thank you!
  11. Okay, I didn't know about this fraud before the collector contacted me, or I would have handled it. I should have stated that a little better in my original post. I just got the letter stating that I ordered this stuff, and that's how I figure it's fraudulent - it states on the letter the dates it was delivered to my old address, and I wasn't even living in that state at the time. Methinks some new person moved in after me and for some reason just thought to do this? I don't know... it's still within the 30 day time period, so I'm going to do that tomorrow or Monday CMRRR.
  12. So long story short - someone ordered ~$100 worth of merchandise in my name a few years back at my old address (months after I moved to a different state - I have this documented with my insurance being transferred there, etc.), and I recently received a letter from a JDB requesting that I pay this. If this were mine, I'd definitely settle it as I don't want it going on my CR - but it's not mine. I wrote the letter and explained that it's fraudulent and that I was no longer living at that particular address... and I put my phone number in the letter. So my questions are: 1) Are they allowed to call me between the time I send them the DV and the time they 'validate' the debt? - I've been successful in the past with suing JDBs but I'm a little unsure of this tactic. 2) This debt is legitimately fraudulent... if they come back and say it's 'verified', what's my next step? Thanks for all your help!!! Just need a little advice before I send this DV out there
  13. Hey everyone, just wanted to update y'all - so for some odd reason, I guess the attorneys were able to settle with the CA - and I ended up getting a check for $1000!!!!!!!!!
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