##### PFB added a payment I did not make

01-31-2013 04:03 AM

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?

Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one, Gamestop CC 1150, 2370 FH, Santander Car 9.6k/15k, Chase Auto Loan 12/16k, VS 1150, BH 1020, Express 1000, Avenue 750, JCrew 800, HSN 1070, Torrid 700,Roamans 800, Jessica London 940, kings direct 800, Buckle 800, OSP 1050, WW 1050, Solutions 800, Blair 750.. baddies: 2 FP CO 08,

DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k

##### Re: PFB added a payment I did not make

01-31-2013 12:25 PM

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.

Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one, Gamestop CC 1150, 2370 FH, Santander Car 9.6k/15k, Chase Auto Loan 12/16k, VS 1150, BH 1020, Express 1000, Avenue 750, JCrew 800, HSN 1070, Torrid 700,Roamans 800, Jessica London 940, kings direct 800, Buckle 800, OSP 1050, WW 1050, Solutions 800, Blair 750.. baddies: 2 FP CO 08,

DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k

##### Re: PFB added a payment I did not make

01-31-2013 01:17 PM

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.

##### Re: PFB added a payment I did not make

01-31-2013 01:34 PM

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.

##### Re: PFB added a payment I did not make

01-31-2013 02:48 PM

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

Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one, Gamestop CC 1150, 2370 FH, Santander Car 9.6k/15k, Chase Auto Loan 12/16k, VS 1150, BH 1020, Express 1000, Avenue 750, JCrew 800, HSN 1070, Torrid 700,Roamans 800, Jessica London 940, kings direct 800, Buckle 800, OSP 1050, WW 1050, Solutions 800, Blair 750.. baddies: 2 FP CO 08,

DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k