04-27-2012 07:37 PM
I posted this on the rebuilding forum yesterday but thought maybe I could get some more answers here:
Maybe I'm just feeling a bit desperate and frustrated here but it's something I've been thinking about for the past month since I found out about it. And I feel like I've hit a wall with what is probably my biggest obstacle in terms of baddies. Some background:
Single full-time working mom. I also teach part time at a local university, Needless to say, I've been chronically sleep-deprived for the past 14 months. In August of last year after missing a payment on both my CapOne and WFNNB/VS accounts (No excuses - I honestly just forgot to pay), I decided to enroll in automatic payments for all of my accounts (CCs, electricity, insurance, etc). Well, somehow I didn't for the WFNNB account. (They apparently don't do it anymore at least for the VS CC.) I have 2 separate checking accounts. The one I have with USAA is where my automatic deposit from my part-time teaching job goes into and that's where I pay all of my smaller bills like CCs and insurance. I never check the account because I don't use it for anything else but to pay for the aforementioned (stupid, I know, lesson learned). About a month ago, I received an email from WFNNB that it would be written off as a bad debt. I received the email on a Sunday afternoon/evening (March). I remember this clearly because I was driving back home from visiting family. I called immediately the next day during my lunch break on the 19th to make arrangements to pay it. I even paid it off in less than 1 month. I was informed at that time that it had been written off as a charge off/bad debt - less than 24 hours after receiving the email (I still have the email and they have records of the phone call to prove it). I was too much in shock to argue the timeframe which IMHO is ridiculous. Prior to that, I didn't receive any phone calls from WFNNB.
I have made several attempts to get them to do a GW adjustment via letters and phone calls but to no avail. I take full responsibility for not being more cognizant and checking to make sure everything was paid on time, etc. I'm not arguing that. Less than 24 hours just doesn't seem like enough time to give someone to respond to that email. I realize again that I need to be patient with GW letters and phone calls, as well as the fact that I'm just feeling frustrated but am also wondering if I have a valid complaint. So, here aer my questions:
1. Is it a valid complaint?
2. If so, should I risk filing a complaint with the BBB? My fear is that I'll piss someone off and my GW letters and phone calls will really be fruitless.
3. Any other thoughts/suggestions?
04-28-2012 04:54 PM
Just my 3 cents so please do not take it to heart.
1. No, you do not have a valid complaint in my opinion. You are a responsible adult and you do accept blame which shows you are an adult, but the reality is you did not pay according to your terms of agreement.
2. It is probably best to wait 30-60 days for a response to your GW as I agree you would not want to aggitate anyone and have it possibly denied because of your complaint. You can always file a complaint down the road.
3. Try and be a little more patient, try and work out some type of spreadsheet to keep track of what your bills are and payment due dates.
It is a terrible mishap this has happened and I hope it will be worked out and they grant you your GW. Good Luck
04-28-2012 07:07 PM
Just my 3 cents so please do not take it to heart. No worries. I prefer that I get others' honest opinions. That's what I'm here for.
1. No, you do not have a valid complaint in my opinion. You are a responsible adult and you do accept blame which shows you are an adult, but the reality is you did not pay according to your terms of agreement. I fully agree. Regardless of the circumstances, it's my responsibility. Again, no excuses! I tell my clients (I'm a psychologist) that there are natural consequences - good and bad - for all of our behavior. It's important that I practice what I preach. I think I'm more angry with myself than anything.
2. It is probably best to wait 30-60 days for a response to your GW as I agree you would not want to aggitate anyone and have it possibly denied because of your complaint. You can always file a complaint down the road. I agree once again. After thinking more about it and discussing it with others, I'm going to be patient and give it some time. And I'm not giving up on making phone calls or sending GW letters either.
3. Try and be a little more patient, try and work out some type of spreadsheet to keep track of what your bills are and payment due dates. Oh, I've so done this. Not only that but I've also reduced my debt down to living expenses (rent, insurances, daycare, etc) and student loans. I've kept a minimum amount ($90) on one of my 2 CCs - only to help with my score. As frustrating and stressful (even overwhelming at times) as this journey has been, I've learned A LOT and am using this experience as a lesson to point me in the right direction; so, I can be a good role model for my daughter.
It is a terrible mishap this has happened and I hope it will be worked out and they grant you your GW. Good Luck. Thank you so much. I appreciate your honesty and advice!
04-29-2012 11:08 PM - edited 04-30-2012 02:03 AM
How many payments did you miss??? Did you pull your reports and see how this was being reported since last August??? Is it being reported now???
Are you saing that by mistake you forgot to pay this bill from August thru January and that on a Sunday night you recieved and email from them. And by the time you called them the next day they had already charged off the account??? And that was the first communication from them about any issue with your account???
I could see myself making a payment mistake (forgetting a creditor) in these days of automatic payments. But them not sending you or alerting you before an email on SUNDAY is pretty low life of them!!!
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