What is my next step? VisaMacys account>>

[mopsgirl]

I going to try to make this as short as possible..

Before knowing about this forum and being stupid and trusting, I settled an account over the phone (yes I knew better now!) with the OC. This was with MacyVisa Credit Card. This card had two account attached to it, the Visa part and the in store Macys account.

The agreement was that after making the payment, both accounts would show paid in full and all negative information would be take off of CR. This was in May of 2006.

I waited three months (how long they said it would take) and pulled my credit reports.. and guess what.. they are still there! All they showed was that I made a large payment.

For the next year I fought (and cried) with them. Finally I received two letters, one for each account stating the balance was paid and that they would delete any negative information.

But they did the opposite. They keep messing with my credit. First they will up my balance, they they will change it to bad debt, then they will change it back to settled for less amount.

I have sent copies of the documents I have to the CRA only to see them verify it again.

The last events they pulled has made my score drop 100 points! Within three days they reported my balance as increasing up from 0 to 2,202. Then the next day from 2,202 to 4,404. Today the alert showed the balance changed to 0. On the other account they change the status from Paid as agreed, Account closed to Bad debt.

What should I do next?

[sgip2000]

They did this crap to me on an account I didn't even owe a balance on. Took legal action to correct.

[NASCAR_Devil]

I going to try to make this as short as possible..

Before knowing about this forum and being stupid and trusting, I settled an account over the phone (yes I knew better now!) with the OC. This was with MacyVisa Credit Card. This card had two account attached to it, the Visa part and the in store Macys account.

The agreement was that after making the payment, both accounts would show paid in full and all negative information would be take off of CR. This was in May of 2006.

I waited three months (how long they said it would take) and pulled my credit reports.. and guess what.. they are still there! All they showed was that I made a large payment.

For the next year I fought (and cried) with them. Finally I received two letters, one for each account stating the balance was paid and that they would delete any negative information.

But they did the opposite. They keep messing with my credit. First they will up my balance, they they will change it to bad debt, then they will change it back to settled for less amount.

I have sent copies of the documents I have to the CRA only to see them verify it again.

The last events they pulled has made my score drop 100 points! Within three days they reported my balance as increasing up from 0 to 2,202. Then the next day from 2,202 to 4,404. Today the alert showed the balance changed to 0. On the other account they change the status from Paid as agreed, Account closed to Bad debt.

What should I do next?

With the PIF letters in hand and copies of all your reports showing, what looks to me like deliberate credit poisoning, all the changes in balance, I'd march down to the courthouse and file suit. See how they respond to a summons. But that's just me.