Regular Contributor
dobirdsmommy
Posts: 219
Registered: ‎02-29-2012
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 pull for Santander, EX 639, EQ 669, TU 651 (lending club pull)
Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one 2000 FH, Santander Car 10k/15k, Chase Auto Loan 12/16k, VS 750, BH 760, Express 750, Avenue 750, JCrew 500, HSN 670, Roamans 500, Jessica London 500, kings direct 500, Buckle 500, OSP 750, WW 750, Solutions 500, Blair 500.. baddies: 2 FP CO 08, EXP 2 state tax liens 1 fed, EQ 1 fed tax lien, TU 1 state 1 fed tax lien.
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k
Valued Contributor
IOBA
Posts: 2,659
Registered: ‎08-13-2009
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?

Regular Contributor
dobirdsmommy
Posts: 219
Registered: ‎02-29-2012
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 pull for Santander, EX 639, EQ 669, TU 651 (lending club pull)
Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one 2000 FH, Santander Car 10k/15k, Chase Auto Loan 12/16k, VS 750, BH 760, Express 750, Avenue 750, JCrew 500, HSN 670, Roamans 500, Jessica London 500, kings direct 500, Buckle 500, OSP 750, WW 750, Solutions 500, Blair 500.. baddies: 2 FP CO 08, EXP 2 state tax liens 1 fed, EQ 1 fed tax lien, TU 1 state 1 fed tax lien.
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k
Valued Contributor
annielorie
Posts: 1,207
Registered: ‎02-19-2012
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
RobertEG
Posts: 17,456
Registered: ‎03-19-2007
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
guiness56
Posts: 22,408
Registered: ‎01-17-2008
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.

Regular Contributor
dobirdsmommy
Posts: 219
Registered: ‎02-29-2012
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 pull for Santander, EX 639, EQ 669, TU 651 (lending club pull)
Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one 2000 FH, Santander Car 10k/15k, Chase Auto Loan 12/16k, VS 750, BH 760, Express 750, Avenue 750, JCrew 500, HSN 670, Roamans 500, Jessica London 500, kings direct 500, Buckle 500, OSP 750, WW 750, Solutions 500, Blair 500.. baddies: 2 FP CO 08, EXP 2 state tax liens 1 fed, EQ 1 fed tax lien, TU 1 state 1 fed tax lien.
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k