topic Re: Verizon Wireless Paid Collection removal. in Rebuilding Your Credit

Verizon Wireless Paid Collection removal.

Anonymous — Sun, 25 Jun 2017 22:01:17 GMT

I am brand new here, I have read a lot on here and have found a lot of awesome information. I'm hoping someone can give me some advise on this situation.

I had a SUB-Account on my Cell phone plane under the Ex wife. She ended up closing the account and leaving a balance of $56 outstanding. Keep in mind I still have

an open account and pay my bill monthly. I try to upgrade my phone and am told I cant because I have a collection!!!! Verizon never contacted me about this even though im the primary account holder. I paid the collection as soon as I knew about it. Now they are refusing to remove the collection from my credit.

This is the email I recieved back. How should I respond??

Thank you for contacting the Executive Office of Verizon in regards to your sub account. I understand from your email to Martin Burvill that this debt was incurred by your ex-wife and went unpaid. I read in your email that you paid the debt in full, after it went into collections. I am sincerely sorry that you had to go through this, as you are a highly valued customer of ours and we greatly appreciate your business.

Verizon commits to having fair and consistent business practices. Due to the Federal Fair Credit Reporting Act, if this was not a Verizon error, we cannot change the reporting with the credit bureaus. The account reporting must be consistent with every customer. I wish I could do more, and regret that we cannot assist further. The debt should show on your bureau report as satisfied/paid but that it went past due.

Please let me know if you have any questions.

Kind Regards,

Denise

Analyst-Executive Office

M-F 9am to 6pm Pacific Time

Re: Verizon Wireless Paid Collection removal.

medicgrrl — Sun, 25 Jun 2017 22:12:45 GMT

Who's the actual collection agency listed on your credit report?

Re: Verizon Wireless Paid Collection removal.

Anonymous — Sun, 25 Jun 2017 22:17:04 GMT

It's listed on my Credit Report as Verizon Wireless.

Re: Verizon Wireless Paid Collection removal.

medicgrrl — Sun, 25 Jun 2017 22:31:04 GMT

Ok, usually see them listed with a collection agency. I would find out everything you can about the rules of the account, such as notifying the primary when an account becomes past due. Maybe you can find an error on their part to justify them removing the collection.

Re: Verizon Wireless Paid Collection removal.

Anonymous — Sun, 25 Jun 2017 22:35:21 GMT

Hello!! I have been with verizon for years and I can say they are very unforgiving in that sense and nothing has changed over the years. For example, I paid them what I owed as well and 5 1/2 years later they still won't remove the baddie of my report even though I have a current account with them and have always been in good standing.

I am not the only one.

I know two others with issues- 1. I have had family members go in the store to upgrade without being authorized on the account, took the main account holders upgrade, and no forgiveness was given. 6 years later, still having issues.

2. Family member cancelled the line incurring ETF fees without authorization of primary account holder. Again no forgiveness.

The only thing I can think of is to find a Verizon rep inside one of the big box retail stores to see if they have any ideas/ power. Example of such a store= Best Buy.

I'm not trying to shoot you down, just saying it's near impossible, atleast for me.

I just tried again last month for them to remove the baddie with no success, I think I'll just wait a little longer for it to drop off.

Good Luck!!

Re: Verizon Wireless Paid Collection removal.

Anonymous — Sun, 25 Jun 2017 22:49:38 GMT

How can they put a collection on my Credit report without ever notifiying me of the outstanding debt.?

Re: Verizon Wireless Paid Collection removal.

Anonymous — Sun, 25 Jun 2017 22:58:44 GMT

This is what i just responded with, We shall see what happens.

Denise,

I appreciate you taking the time to review this and respond to me. I know how large Verizon is as a company

and to be honest I'm shocked I got a real person to respond.

My ENTIRE frustration in this situation is with Verizon as a company. If I understand this properly I am the PRIMARY account holder. I am the one

with the collection on my credit report. I appreciate that you are reporting correctly in correspondence with the Fair Credit Act.

What I'm not ok with is the fact that NEVER did a representative from Verizon contact me before sending this to collections.

How can I be the primary account holder and not be aware of an outstanding balance before it goes on my credit report?

There was NEVER a phone call to me, there was NEVER a letter sent to me, There was NEVER correspondence with me about the balance going to collections.

According to the Fair Debt Collection Practices Act, A debt collector must

Within five days of initially contacting you, the collector must send written notice of the debt that includes:

The amount of the debt
The name of the original creditor to whom the debt is owed
A statement describing your right to dispute the debt

I'm positive nothing in your records will show that contact was ever made with me regarding this debt before it was sent to collections.

I'm truly not asking for much, I'm asking that Verizon does what's right in this matter and removes this collection report from all 3 of the major credit bureaus.

I hope you will see my frustration in this matter and get this negative item removed ASAP.

Thank You

Re: Verizon Wireless Paid Collection removal.

rmduhon — Sun, 25 Jun 2017 23:01:02 GMT

Unfortunately, that doesn't apply to Verizon as they are the Original Creditor (OC) not a debt collector.

Re: Verizon Wireless Paid Collection removal.

Anonymous — Sun, 25 Jun 2017 23:07:06 GMT

Maybe its time to go to T-mobile LOL

Re: Verizon Wireless Paid Collection removal.

medicgrrl — Sun, 25 Jun 2017 23:15:01 GMT

I've read other threads online where people had the Sub bill added to theirs when it went unpaid. I would continue to question their billing practice on this.

Re: Verizon Wireless Paid Collection removal.

Anonymous — Sun, 25 Jun 2017 23:21:24 GMT

My first thought was why wasnt the bill just added to my current bill. I literally paid months of monthly bills without ever knowing about it. I found out only because i wanted to upgrade and was denied due to being in collections.