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Frequent Contributor
Posts: 462
Registered: ‎03-04-2008
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T-mobile Last bill to collection?

By T-mobile bill was due on the 7th of each month and I canceled my account on the 8th. I had one day of use and they are sending me the full month bill for that day of use. If collection didn't affect my credit, I wouldn't pay this bill because I feel I been billed unfair. I have not paid this bill yet and it hasn't gotten to collection yet.

 

Do I have a case if I take them to court for ripping me off?

 

T

Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
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Re: T-mobile Last bill to collection?

IMO, you should have cancelled on the 7th and if there's a chance to pay before a late payment posts, do it.

 

Choose your battles wisely. A late payment will hang around 7 years.

 

Your agreement should spell out billing, cancellation, pro-rating, etc...


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Contributor
Posts: 156
Registered: ‎06-01-2012
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Re: T-mobile Last bill to collection?


eddymvp wrote:

By T-mobile bill was due on the 7th of each month and I canceled my account on the 8th. I had one day of use and they are sending me the full month bill for that day of use. If collection didn't affect my credit, I wouldn't pay this bill because I feel I been billed unfair. I have not paid this bill yet and it hasn't gotten to collection yet.

 

Do I have a case if I take them to court for ripping me off?

 

T


By chance did you port your number to a different carrier, or did you simply cancel everything and you no longer have a phone?

Established Contributor
Posts: 760
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Re: T-mobile Last bill to collection?

+1. I would pay the bill. It is not worth the damage to your credit file or the stress.

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Mega Contributor
Posts: 19,094
Registered: ‎03-19-2007
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Re: T-mobile Last bill to collection?

Billing issues can be disputed within 60 days under the Fair Credit Billing Act (FCBA).

What was the date of the disputed billing?

 

Frequent Contributor
Posts: 462
Registered: ‎03-04-2008
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Re: T-mobile Last bill to collection?

I ported my number over to another carrier.

Frequent Contributor
Posts: 462
Registered: ‎03-04-2008
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Re: T-mobile Last bill to collection?

I feel is unfair for them to charge me the whole bill for a few hours of used.

Mega Contributor
Posts: 19,094
Registered: ‎03-19-2007
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Re: T-mobile Last bill to collection?

Then I suggest that you file an FCBA billing dispute, and hope that they dont dismiss it as untimely.

Check out the FTC homepage for a summary of the FCBA dispute process.

Frequent Contributor
Posts: 462
Registered: ‎03-04-2008
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Re: T-mobile Last bill to collection?

[ Edited ]

Thanks RobertEG,

 

I'm sending them the following letter, please help me on how to word it better.

 

Date
Your Name
Your Address
Your City, State, Zip Code
Your Account Number


Name of Creditor
Billing Inquiries
Address
City, State, Zip Code


Dear Sir or Madam:


I am writing to dispute a billing error in the amount of $96.00 on my account. The amount is inaccurate because  is unfair to charge me the whole billing cycle for this service when I only used it for a few hours. I should only be charged the time I used. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.

 

Enclosed are copies of (use this sentence to describe any enclosed information, such as sales slips, payment records) supporting my position. Please investigate this matter and correct the billing error as soon as possible.

 

Sincerely,
Your name
Enclosures: (List what you are enclosing.)

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Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009
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Re: T-mobile Last bill to collection?

[ Edited ]

Disputing it as a billing error because "it is unfair" is unlikely to gather much attention. What you need to do is go over your contract or look on the service providers website for contract disclosures that state what the procedure is for cancellation within a billing period.

 

If they had previously disclosed that you would be charged for a full service period when canceling after the start of that period then while I agree it is "unfair" the billing is correct. If they state that billing will be prorated then you have an argument for inaccurate billing.

 

Edit to add: Have you tried a POLITE phone call to customer service to resolve the issue?

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