Established Contributor
Posts: 505
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?

building since 2011 EX 714, EQ 729, TU 724 3/11/15
Wallet:ME: Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.15k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Valued Contributor
Posts: 2,717
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?

Established Contributor
Posts: 505
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.

building since 2011 EX 714, EQ 729, TU 724 3/11/15
Wallet:ME: Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.15k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Valued Contributor
Posts: 1,206
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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Epic Contributor
Posts: 20,645
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.

Epic Contributor
Posts: 22,406
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.

Established Contributor
Posts: 505
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  

building since 2011 EX 714, EQ 729, TU 724 3/11/15
Wallet:ME: Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.15k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays