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Frequent Contributor
Posts: 313
Registered: ‎02-29-2012
0

PFB added a payment I did not make

First Premier bank is my last baddie. They added one payment to each account in November of 2012 which I never made.  They did not take the amount of the supposed payment but they did  however update the account to reflect recent payment. One payment for 17 one for 20.   What is my official recourse?

2011 starting score 383; EX 687, EQ 698, TU 675 2/16/15
Wallet:ME: Slate 5k; Freedom 10k; overstock 4.2k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.15k, Fingerhut 2.4kl NMAC at 3% Lease; Chase Auto Loan 11/16k, VS 1.45k, BH 1.35k, Express 1.3k, Avenue 1,45k, JCrew 5k, HSN 1.47k, Torrid 1.25k, Roamans 1k, Jessica London 1.24k, kings direct 1.4k, Buckle 1.1k, OSP 1.35k, WW 1.35k, Solutions 1.35k, Blair 1.05k.......... baddies: 1FP CO 08 coming off 5/15, AU 750 Crapital one
DH: 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate
Valued Contributor
Posts: 2,698
Registered: ‎08-13-2009
0

Re: PFB added a payment I did not make

Do you dispute the debt?

 

The amount?

 

Are you making payments?

 

Are they trying to extend the SOL?

Frequent Contributor
Posts: 313
Registered: ‎02-29-2012
0

Re: PFB added a payment I did not make

Do you dispute the debt?

Not since 4/12

 

The amount?

20.00 payment on one card that is 208 due from 2008 and 17.00 on 400.00 card that is due from 2008

 

Are you making payments?

No I am not. 

 

Are they trying to extend the SOL?

I am in NY so the only thing I am counting on is the 5 year rule of the DOFD being 2008.

2011 starting score 383; EX 687, EQ 698, TU 675 2/16/15
Wallet:ME: Slate 5k; Freedom 10k; overstock 4.2k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.15k, Fingerhut 2.4kl NMAC at 3% Lease; Chase Auto Loan 11/16k, VS 1.45k, BH 1.35k, Express 1.3k, Avenue 1,45k, JCrew 5k, HSN 1.47k, Torrid 1.25k, Roamans 1k, Jessica London 1.24k, kings direct 1.4k, Buckle 1.1k, OSP 1.35k, WW 1.35k, Solutions 1.35k, Blair 1.05k.......... baddies: 1FP CO 08 coming off 5/15, AU 750 Crapital one
DH: 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate
Valued Contributor
Posts: 1,206
Registered: ‎02-19-2012
0

Re: PFB added a payment I did not make

They are trying to extend the SOL without you noticing. Dispute the payments with CRA's.


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Mega Contributor
Posts: 19,472
Registered: ‎03-19-2007
0

Re: PFB added a payment I did not make

I would not accuse them of any nefarious reason in their reporting.  The simple fact is that you did not make the payment, and thus the reporting was inaccurate.

 

I would not dispute through a CRA.  I would send them a direct dispute under FCRA 623(a)(8), thus assuring that they receive any accompanying documentation and respond directly to you.

Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: PFB added a payment I did not make


dobirdsmommy wrote:

Do you dispute the debt?

Not since 4/12

 

The amount?

20.00 payment on one card that is 208 due from 2008 and 17.00 on 400.00 card that is due from 2008

 

Are you making payments?

No I am not. 

 

Are they trying to extend the SOL?

I am in NY so the only thing I am counting on is the 5 year rule of the DOFD being 2008.


That is only for paid collections.

Frequent Contributor
Posts: 313
Registered: ‎02-29-2012
0

Re: PFB added a payment I did not make

Guiness I know that.  I will pay them when it is exactly 5 years  

2011 starting score 383; EX 687, EQ 698, TU 675 2/16/15
Wallet:ME: Slate 5k; Freedom 10k; overstock 4.2k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.15k, Fingerhut 2.4kl NMAC at 3% Lease; Chase Auto Loan 11/16k, VS 1.45k, BH 1.35k, Express 1.3k, Avenue 1,45k, JCrew 5k, HSN 1.47k, Torrid 1.25k, Roamans 1k, Jessica London 1.24k, kings direct 1.4k, Buckle 1.1k, OSP 1.35k, WW 1.35k, Solutions 1.35k, Blair 1.05k.......... baddies: 1FP CO 08 coming off 5/15, AU 750 Crapital one
DH: 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate

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