Invalid CO & collection keep verifying

bmblbg · ‎01-13-2013

In April 2010, due to an out-of-the-blue interest rate increase and random previously undisclosed fees, I requested that HSBC close my credit card account. I paid the account in full through a money order (borrowed $ from my mom and that's what she sent). I never received anything from them again. Then in May 2011 I received a notice from Portfolio Recovery that the account had been placed with them for collection in the amount of $442. I sent a DV, and all they sent back was something telling me that HSBC had sent them an electronic copy of my payment history and there were no uncredited payments. I pulled my reports and saw that HSBC was also listed as a charge-off account in the amount of $441. I disputed with HSBC and Portfolio, and they both insisted the accounts were valid.

Because I was an idiot, I did not save the money order stub, and have no "proof" that the account was PIF.

I have filed disputes with EX, EQ, and TU, and all have come back verified twice each.

I don't know where to go from here!

Mortgage Scores:
11/26/2018 EQ: 542 EX: 610 TU: 548
8/30/2018 EQ: 571 EX: 504 TU: 533
7/30/2018: EQ: 598 EX: 591 TU: 608
4/5/2018 EQ: 543 EX: 522 TU: 467

Shogun · ‎01-13-2013

The dispute with the CRAs might not get you anywhere. It is a billing issue you are having from HSBC. You will have to contact them.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

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bmblbg · ‎01-13-2013

Unfortunately, I've spoken with HSBC several times, and now with Capital One, and they keep insisting it's correct, which is why I filed the dispute, but they keep verifying as well.

Mortgage Scores:
11/26/2018 EQ: 542 EX: 610 TU: 548
8/30/2018 EQ: 571 EX: 504 TU: 533
7/30/2018: EQ: 598 EX: 591 TU: 608
4/5/2018 EQ: 543 EX: 522 TU: 467

jordanmedical · ‎01-13-2013

I would have them mail you statements proving where this balance came from.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)

Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
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