Date of FIRST Delinquency Fraudulently Reported Issue (Xfinity).

[Anonymous]

I suffered through hell with Xfinity(Comcast) for a year, after they woud sign me up for a special promotion that was supposed to last an entire year, however from the first month of service I was bill he normal rate, instead of the promotional rate. I spent hours monthly waiting in long lines for them to correct my bill, thn I'd pay my bill and move on.

Anyway this happened almost every month, and I even had managers give me a credit due to my inconveinces, yet the system would never bill me correctly. Being that I was going through so much with Xfinity, that I had already asked, if i wanted to cancel at the end of this current subscription, when would be the best time to do so? The same manager who credited my account or reduced the amount owed, stated that I should cancel my account on the last day of my subscription, so there won't be a pro-rated amount.

I did exactly that, so I paid my final bill and canceled my service with Xfinity in June 2014, in December 2014, after having DirecTV since June 2014, I get a letter from a collection agency for $69 and some change. I tossed it in the trash, as I knew I was paid up.

I never recieved anymore letters, and forgot about Xfinity and then in June 2018, guess what? Xfinity had some collection agency put this on my credit four years after I paid up and canceled service.

Just to clarify, I was delinquent, because I knew I paid them off, but even if I were, the "Date of First Delinquency would be July 2014, not June 2018, right.

Also, asking this question on another forum, a poster replied that cable, utility, cell phone companies and more can keep an account "active" without the person knowing by "crediting" the account by making a small adjustment on the amount due, for example from $70 owed to $69.50, in essence crediting my account fifty cents.

Has anyone ever heard of these crooked ays to keep people's accounts active?

The FCRA, states the Date of First Delinquency" goes from 30 days after the account was last paid and that should be the (DOFD).

Please help.

[FireMedic1]

---

@Anonymous wrote:

I suffered through hell with Xfinity(Comcast) for a year, after they woud sign me up for a special promotion that was supposed to last an entire year, however from the first month of service I was bill he normal rate, instead of the promotional rate. I spent hours monthly waiting in long lines for them to correct my bill, thn I'd pay my bill and move on.

Anyway this happened almost every month, and I even had managers give me a credit due to my inconveinces, yet the system would never bill me correctly. Being that I was going through so much with Xfinity, that I had already asked, if i wanted to cancel at the end of this current subscription, when would be the best time to do so? The same manager who credited my account or reduced the amount owed, stated that I should cancel my account on the last day of my subscription, so there won't be a pro-rated amount.

I did exactly that, so I paid my final bill and canceled my service with Xfinity in June 2014, in December 2014, after having DirecTV since June 2014, I get a letter from a collection agency for $69 and some change. I tossed it in the trash, There was your opportunity to fight it. as I knew I was paid up.

Did this CA show up on your reports back then? Or were they just trying to collect.

I never recieved anymore letters, and forgot about Xfinity and then in June 2018, guess what? Xfinity had some collection agency put this on my credit four years after I paid up and canceled service.

Just to clarify, I was delinquent, because I knew I paid them off, but even if I were, the "Date of First Delinquency would be July 2014, not June 2018, right.

Also, asking this question on another forum, a poster replied that cable, utility, cell phone companies and more can keep an account "active" without the person knowing by "crediting" the account by making a small adjustment on the amount due, for example from $70 owed to $69.50, in essence crediting my account fifty cents.

Has anyone ever heard of these crooked ays to keep people's accounts active?

The FCRA, states the Date of First Delinquency" goes from 30 days after the account was last paid and that should be the (DOFD).

Please help.

---

Walk into a Xfinity store. Have them pull up your account. See whats owed and pay it. Then have the Rep call corporate and ask to have the CA recalled. Face to face works better than phone calls. Good Luck!

[Anonymous]

Trust me, I have already tried that.

The account is from 2014 and it's showing a zero balance owed and it's archved.

They are tired of me, because on their end, it's showing nothing due, but hve stated that corporate has means to find older bills.

I spoke with someone at corporate who told me, "The $70 balance lower than what they are seeing as it's over $300. 00"

That was his response to my question, "Let's say the $70 balance was accurate, of which it's not, why would you gys send it to a collection agency for $234.00?"

My next response was please send me a copy of the bills, he promised, that was a couple of months ago.

Other's have told me on YouTube to "only" send them requests, certifide and in writing, with a tracking number, because they will never send you those bills, especially if they don't exist.

So, I'm getting all my letters together will get them notarized and send two letters to Xfinity, the collection agency and all three credit bureaus and hopefully that does the job.

[Anonymous]

What's funny is, for years I've been getting promotions from cable, internet, to this new Xfinity mobile.

Yet, they claim I owe them $234.00?

One CSR, even mention that if I sign p for Xfinity Wifi, that after I sign up, she would see what she could do about waiving those collection fees.

Really? You would do that for me?

She must think I'm stupid.

I don't know how they knew I have DirecTV, as I'm getting promotions stating, "Pay less than what you are paying for your DirecTV service."

[Anonymous]

I used to work for Comcast and unfortunately as soon as it gets sent to a collection agency, nobody will work with you internally. You would have to dispute it with the collection agency and work backwards that way. 

For the DOFD, are you looking at your report from annualcreditreport.com? Because a credit report anywhere else won't have the DOFD listed. Only hard copy reports ordered directly from the bureaus and from ACR have the DOFD. You can also call the bureaus to find out what the DOFD is. 

As for how this could have happened, there is a place in the billing system where you mark a customer to have billing stopped. If the CSR didn't set that up, your charges continue until you get physically disconnected. 

[RobertEG]

The FCRA definition of what is commonly referred to as "date of first delinquency," or DOFD, is set forth under FCRA 605(c) as the date of commencement of the delinquency that immediately precedes the collection.

Date of a last payment is not part of the definition of DOFD, and a payment that does not return to account to good standing, and thus does not terminate the delinquency, does not define or reset the DOFD, which remains the date that the account first became delinquent, and thereafter remained delinquent up to the time of referral for collection.

The post apparently raises to issues of inaccurate reporting, both disputable.

The first issue is the assertion that the account was not delinquent at the time of referral to the debt collector, and thus the collection is improper in and of itself.

The second issue is the reporting by the debt collector of an inaccurate DOFD, which is disputable under FCRA 623(a)(5).  I woulld, however, urge not to assert fraudulent reporting in such a dispute,  Simply assert that the reporting under section 623(a)(5) is inaccurate as it does not reflect the date of initial delinquency that immediately preceded the reported collection.

Fraud is the separate legal assertion that the inaccuracy was knowingly inaccurate at the time it was reported, and yet the debt collector chose nonetheless to still report knowingly inaccurate information.

.

[Anonymous]

@RobertEG,

Thanks so much for that inormation.

I agree about using proper terms and all.

I am just upset, that because i waited until the last day of my plan(subscription) as suggested by Comcast managers, that there wouldn't be any pro-rated charges and all.

Plus, the fact that they attempted to be slick by reporting a collection two years after I paid up and closed this account is what upset me.

I will take your advice per the FCRA and use that as justifcation for deletion, after that I don't want to even have anything to do with Comcast(Xfinity), ecause they

d sign you up for a promotion and from your first bill they will over bill you, forcing you to wait in long lines with ( people talking loudly on their cell phones, pets sniffing you and kids crying, because they can't go play with the phones on the dislay).

***When I stated "pets," it's because I live in a town with two major Div 1 colleges and a Top five communtiy college in the nation and female college students brings in their little rat dogs, because they don't want to leave them in a hot Florida car.

[Anonymous]

If you went to the local office couldn't you have them print you out something showing that account had a $0 balance? Maybe try that and then upload that as supporting documents into a dispute. You can open any dispute online with EX, EQ or TU. You don't have to pay for a monthly service to use their dispute centers. At the very least I would report the incorrect reporting date, and yes a lot of collection companies do that, they report the date they purchased the debt pretty much. If you don't successfully get it removed you can try speaking with that company and negotiate a pay for removal where they will wipe it off your credit if you PIF. 

[Anonymous]

Just to clarify, I did go to Xfinity's local office and yes it did show  a zero balance, but because the account is so old, it's "archived" in their system, as they can't downoad or print anything from an archived account. Trust me, I urged them to do exactly that or contact the collection agency. They advised me, that they can't do "anything" with my account, and even though it's showing no balance due in their system, corporate has the ability to seacrh deeper AND only corporate near Philly can contact the collection agency.

Comcast(Xfinity) is just like Sprint, Brighthouse cable and T-Mobie, they'd bounce you around claiming this is handled by a different department or they'd simply tell you what you want to hear to get you out the door.

When i spoke to a CSR from corporate, who looked into it, he too didn' see anything, and was exception in his service and forwarded to an internal deptmartment via "itranet email, and promised me that a supervisor would contact me with 48 hours. A supervisor called me back and lied numerous times, and promised to send me copies of bills, he claimed I could see at my local office and that the office manager told me I could see.

That's when I called him out for flatout lying, as I placed in four requests since July 2018 demanding them to remove this from my credit report.

He stated, I will send you the bills, and guess what as expected it's been a few months and no bills have been recieved, because he know, that I know none exists.

I did speak with a Wells Fargo branch manger and they told me even though I closed my account with them in 2015, that they have means to go back and get find my previous statements. Statements that will prove on the day I canceled my Xfinity service is the same day I paid with my Wells fargo debit card.

I also, spoke with an Equifax CSR on Friday evening, he stated tht he see the collection an gave me the option to dispute it, but I never dispute online. He did suggest that regardless of what happend the DOFD will force them, as well as Experian and Transunion to remove it from my account in July 2001, as that would by seven years, but I can't ait that long.