SOOOO FRUSTRATED I COULD SCREAM!!!!!

[Anonymous]

Ok here is the deal:

I noticed a collection on my CR's for $58 a couple of months ago. The OC is ATT. I have the same phone #, same Address, and I have not made any changes to my account and this is the same account they were trying to collect on.

Finally, about 3 weeks ago, I got to speak with someone that realized that I did not owe them (ATT) but they in fact owed me. So I got them to straighten everything out, I spoke with a manager and told me that they would tell the CA to cease collections and that they would mail me a letter saying it would be deleted from my file.

The collection is still on my CR's....

Now last Friday (16th), I called ATT to see what was the hold up with the letter and the removal. The first person I spoke with said, ....it will be off in 60 days," I wasn't having that so I asked to speak with someone else. Now I was transferred to a manager and she told me she was sending out an email to all of the CRA's to delete the file and it should take them 3-4 business days to remove the item. I also asked her to send me the same letter that she would be sending to the CRA's. Still no letter AND...

The collection is still on my reports...

Now my question is what should I do next? Clearly this is not my fault and I do not think it is fair that it is taking forever and 2 days to remove this from my report when it probably took them 60 seconds to put it on my CR's in the beginning.

Any help would be greatly appreciated because I feel like I want to explode. I also asked for a PFD from the CA and they said no basically--I was willing to pay because I just want it off.

[Anonymous]

dispute w/ cra's as not mine. you can do it online (if true credit hasn't locked you out of tu), but most say hard copy cert mail return recpt rqstd is the way to go.

[Anonymous]

I have done that with Tu so far and I have to write a letter to Ex becaue they will not let me do it online. I was hoping that the CSR would be a woman of her word and have it taken care of. This is driving me crazy. I can see if I owed them for real this is their fault, not mine. I guess that do not care.

[Anonymous]

I know this is not what you want to hear but keep escalating. Try to escalate to the VP, Pres or better yet, person who is in charge of "consumer affairs" or head of customer service.

Keep up w/ a good paper trail and phone log if you choose to do it over the phone. Another point would be- as this is not correct information on your CR- you could site the "fair reporting/factual reporting" part of FACTA and (can't remember the other name) and use that for leverage.

Bump to the mods for better info for the OP.

[Anonymous]

Thanks net I did site a couple lines from the FACTA, I think that is how I got as far as I have gotten. I guess I will call again tomorrow. I am tired of writing letters, it takes too long. As you can see I am getting a little impatient.  I guess I will keep trying until I talk to Mr.or Mrs.AT&T him/herself.

Message Edited by jaybee on 11-25-2007 08:58 PM

[Anonymous]

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@Anonymous wrote:

Ok here is the deal:

I noticed a collection on my CR's for $58 a couple of months ago. The OC is ATT. I have the same phone #, same Address, and I have not made any changes to my account and this is the same account they were trying to collect on.

Finally, about 3 weeks ago, I got to speak with someone that realized that I did not owe them (ATT) but they in fact owed me. So I got them to straighten everything out, I spoke with a manager and told me that they would tell the CA to cease collections and that they would mail me a letter saying it would be deleted from my file.

The collection is still on my CR's....

Now last Friday (16th), I called ATT to see what was the hold up with the letter and the removal. The first person I spoke with said, ....it will be off in 60 days," I wasn't having that so I asked to speak with someone else. Now I was transferred to a manager and she told me she was sending out an email to all of the CRA's to delete the file and it should take them 3-4 business days to remove the item. I also asked her to send me the same letter that she would be sending to the CRA's. Still no letter AND...

The collection is still on my reports...

Now my question is what should I do next? Clearly this is not my fault and I do not think it is fair that it is taking forever and 2 days to remove this from my report when it probably took them 60 seconds to put it on my CR's in the beginning.

Any help would be greatly appreciated because I feel like I want to explode. I also asked for a PFD from the CA and they said no basically--I was willing to pay because I just want it off.

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My only advice is to be patient. I know it's not your fault but it's really not worth getting a headache over. I'm sure as long as they say they'll take it off, then they will. I also have (or had) a collection on my CR and it took them two months to delete that thing off. I was super annoyed, but I got over it. So yeah... just be patient because they WILL take it off.

[Anonymous]

Just ot update...Its still on my CR'S. I think I will be fully grey by the time all of this is over. All this for a $58 collection.

[Anonymous]

Yikes!!! Seems lots of peopel wind up  with phantom ATT collections on their CRs for some reason, I was one of them. Call the collection agency, better yet write them.  Have them send the debt back to ATT and remove it from your files.  I did it by phone and it was gone within 72 hours with a nice letter of apology.

[Anonymous]

Wow really!! What should I say in the letter? I tried to call them (I know, never call a CA, but I was desperate, but of course they were not trying to listen to me.

[Anonymous]

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jaybee wrote:

Wow really!! What should I say in the letter? I tried to call them (I know, never call a CA, but I was desperate, but of course they were not trying to listen to me.

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Get the name and extension of the person you spoke with at ATT.  Let them know that you will call the OCA and have them contact them.  Let them know that you do not owe this debt and that you have already verified this info with ATT and if the negative mark is not removed from your CR within 5 days, you will report them to the FTC.  Folow it up with a nice fax with receipt capabilities.  Don't know who your collector is but mine was CBCS or something like that I spoke with someone in their compliance department.