Reply
Frequent Contributor
tempusfugit123
Posts: 335
Registered: ‎02-06-2008
0

To pay or not to pay.......

I have a collection agency refusing my PFD saying they cant and trying to trick me with false information. Thanks to this forum im a knowledgable young adult. Anyways, should i stand my ground and not pay until we reach a win win or should i pay to show a paid in full. Im not apping for anything until 2014 and have had sucessful PFD in the past. It just frustrates me because i didnt know about the collection until last week. I used to work for Cap1 and they did me wrong. 

Established Contributor
tattooedhusker
Posts: 500
Registered: ‎10-25-2012
0

Re: To pay or not to pay.......

How old of a collection is it?

NFCU CashRewards $13.5k | AMEX BCE $9.5k | Lowes $17k | Sportsmanss guide $5.5k | Chase Freedom $1k | Discover IT $1.4k |
Walmart $8k | Gordman's $1750 |
Scores: EQ: 676 EX: 714 TU: 720 Goal: 750 across the board
Frequent Contributor
tempusfugit123
Posts: 335
Registered: ‎02-06-2008
0

Re: To pay or not to pay.......

Its almost a year old.

Established Contributor
tattooedhusker
Posts: 500
Registered: ‎10-25-2012
0

Re: To pay or not to pay.......

I would try PFD a couple more times, how were you contacting them (snail mail, email, fax, etc)?

NFCU CashRewards $13.5k | AMEX BCE $9.5k | Lowes $17k | Sportsmanss guide $5.5k | Chase Freedom $1k | Discover IT $1.4k |
Walmart $8k | Gordman's $1750 |
Scores: EQ: 676 EX: 714 TU: 720 Goal: 750 across the board
Frequent Contributor
tempusfugit123
Posts: 335
Registered: ‎02-06-2008
0

Re: To pay or not to pay.......

I tried speaking on the phone but the conversation became escalated. Now i only communicate through email. Im sending GW to cap1 because they put me in this situation.They fired me while pregnant and said they overpayed me then took the money from my checking account thus overdrawing my account. 

Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
0

Re: To pay or not to pay.......

Who is the collection agency? How much is the debt? Have you considered settling for less just to have the balance at $0 for app purposes and starting a GW campaign after?



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


Take the FICO Fitness Challenge
Frequent Contributor
tempusfugit123
Posts: 335
Registered: ‎02-06-2008
0

Re: To pay or not to pay.......

The collection agency is Appelles?? I believe. The debt is about $200 and if i had known they were trying to collect i would have paid it months ago. I am willing to pay in full they wont settle. They want it all up front and say they will never delete. She went on to tell me that the credit bureau MAKES them report snd i have to dispute with them. She thinks im ignorant. im trying to contact cap1 straight-foward to see what they will do but apparently the collection agency is part of Cap1. 

Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012
0

Re: To pay or not to pay.......

Have you tried contacting the bank, just to see if they are still in a position to accept the payment?  If the branch says no, contact the corporate office. 

 

They MAY be able to recall the debt if it hasn't been too long?

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Frequent Contributor
tempusfugit123
Posts: 335
Registered: ‎02-06-2008
0

Re: To pay or not to pay.......

yes right now im trying to contact someone at capital one bank but i dont know where to start. 

Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012
0

Re: To pay or not to pay.......

If you do an internet search for phrases like capital one executive email - or something similar i believe an executives email address will be shown in the top few results. 

I'd personlly go for that one, straight to the top.  

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+