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Help? Only found out about delinquent account in collections by checking credit score


terremotia
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I'm hoping someone here can help me with this; I closed my t-mobile account (in the store and via phone, though they say they have no record of the phone call) several months ago. They finally stopped direct depositing me several months later, which I assumed to mean they had finally processed the closure, not realizing that I had also changed the debit card number number on the account it direct deposited from. They didn't call or write me to tell me that there was a problem, but apparently they turned the account into collections-- which I only found out because I went to check my credit score for a routine check.

What's the best way to fix this?

Thanks!!!

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I'm hoping someone here can help me with this; I closed my t-mobile account (in the store and via phone, though they say they have no record of the phone call) several months ago. They finally stopped direct depositing me several months later, which I assumed to mean they had finally processed the closure, not realizing that I had also changed the debit card number number on the account it direct deposited from. They didn't call or write me to tell me that there was a problem, but apparently they turned the account into collections-- which I only found out because I went to check my credit score for a routine check.

What's the best way to fix this?

Thanks!!!

I am think you mean that they debited the payments from your checking account. Anyway, when was the account close in the store? I think that close date would be the official close date.

Why would you need to close the account on the phone as well as in the store?

How much do you now owe?

What are the fees for? I am thinking maybe that an early termination may have been added on if you were still in contract.

Were you billed each month for service after your records show that the account was used.

Call T-Mobile to figure out how they arrive at the total amount due see if you can make payment arrangements after you come to an agreement on the amount owed if any. If you owe money to T-mobile then neg. a pay for delete to removed the negative from your credit.

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