co amount help

[starry1]

Was it the OC who hung up on you or a CA?

If it was a CA then I would send a DV immediately.  I would also call the OC and ask for the original terms and ask why it wasn't covered by insurance.  If the OC hung up on you, then I would file a complaint with the CFPB.  You are just trying to get information about the debt, and they are required to provide it to you.

[scanada_82]

Should I file a dispute online with the bureaus letting them know a death occurred and I was denied the original terms in which insurance was possibly to cover this?

[starry1]

The bureaus won't do anything about this.  I would tell the CFPB that you had co-signed on a credit card and the primary account holder passed away and you have no way of knowing or obtaining the original terms of the account and the OC will not work with you.  Because if they expect you to pay a debt, its not unreasonable for you to ask for the original terms or about the insurance.

Again, was it the OC who hung up on you?

[scanada_82]

It was the oc who hung up. No ca involved. I told him I have a co and would like the original terms in which I could of been entitled to life insurance paying this and right away just said I'm not authorized to talk to you and hung up. How can I file a complaint with cfpb?

[starry1]

First step:  Try calling the OC again to see if you can find someone to help you.  It could be the rep you got on the phone is just a jack or was having a bad day.

Second step:  If step one fails, go to the CFPB website and fill out the complaint form.

[scanada_82]

Should I give the oc my social security number?

[starry1]

That's up to you, but I don't see why not.  You are calling them, so you KNOW who you're talking to.  Its not like they called you out of the blue and asked for you SSN and you don't give it out because you're not sure who they are.

[scanada_82]

I'm just worried if I do, tomorrow I might have a suit against me for waking the sleeping giant. Like I said, I want this resolved but with the least impact on my credit again. Will calling back ruin any chances of a pfd? I'm all too unfamiliar with this stuff. It hasn't been updated in years and I don't want to screw myself

[scanada_82]

Also should I press to get the original terms even tho it's years later to make sure insurance wasn't supposed to cover this? Or would I be better sending my short explanation and pfd out today instead? I don't know why life insurance didn't pay it either, but I know her family wouldn't do it intentionally. So go after terms or pfd today? Can't sit idle anymore nothing gets done! thanks

[scanada_82]

Anybody? Call them back or write the pfd? Advise please! Need to get something going. Thanks