Anonymous Posted October 17, 2002 Report Share Posted October 17, 2002 Help! Received a bill in May 02 for my telephone in the amount of 385.00 and promptly called the phone co about the bill. They told me that since I was late in March 02, that all of the calling plans were cancelled and that I went on "rack" rates. They further told me that this 'new' rule went into effect in Feb of 02 and that the disclaimer is on all bills sent to us now. Well enough said. I paid 250.00 of the bill via CC and proceeded to dispute the bill. I was treated very rudely and decided to completely change my phone service. I never received a final bill, so I mailed in 100.00 Aug 1st. On Sept 24th I receive a Collection agency notice that said 2nd notice and the amount of the bill was 61.12. I mailed the payment the next day. I pull my credit report and the collection agency is on there! 1. My question is, Where is the first notice giving me 30 days to pay or it will be reported? 2. If this was the second notice on 09/25, why did they put the collection on my file dated Aug 1st? Is there anything I can do about this? It really seems that they are punishing me for changing service. Link to comment Share on other sites More sharing options...
admin Posted October 17, 2002 Report Share Posted October 17, 2002 I'd do debt validation on these guys. It's like trying to get blood out of a stone if you talk to them on the phone.It's sounds mighty fishing about the reporting, but I don't think this is a violation....[Edit by admin on Thursday, October 17, 2002 @ 04:14 PM] Link to comment Share on other sites More sharing options...
Anonymous Posted October 17, 2002 Author Report Share Posted October 17, 2002 Problem is, the debt is paid in full! I would have never let 61.00 go so far as to report on my credit file! Is there anything I can do to try to get them to remove it? ie; Not 90 days without activity on the account or something?Ameritech(SBC) Link to comment Share on other sites More sharing options...
Anonymous Posted October 18, 2002 Author Report Share Posted October 18, 2002 Check your state laws - California, for example says:California Civil Code, §1785.26(A creditor may submit negative credit information concerning a consumer to a consumer credit reporting agency, only if the creditor notifies the consumer affected. After providing this notice, a creditor may submit additional information to a credit reporting agency respecting the same transaction or extension of credit that gave rise to the original negative credit information without providing additional notice. Link to comment Share on other sites More sharing options...
Sky Warner Posted October 20, 2002 Report Share Posted October 20, 2002 SBC Ameritech just sent my brother a bill for a phone he had that he owed money on but was listed in his CH 13. The 13 was dismissed and they sent a letter dated OCT 10 wanting their money.We have a collection letter from a CA dated 7-2-02 wanting money.I am about to pen off a letter for my brother to these idiots.The 13 wasnt even dismissed yet!! Link to comment Share on other sites More sharing options...
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