I had a collection that was paid 2 years ago directly to the hospital -- but somehow this got sent to collections agency.
Ok, I called the collection agency because this was over 3 months ago and I did not know that you should never call them. Ok, they were not very nice, said I owed the money, etc. etc.
I finally broke down called the hospital, provided a copy of my cancelled check with the account number listed at the bottom of the check and they verified that I had paid the accounts. So, they did a 3-way call to the CA. Before the representative could inform the CA that I was on the phone, the person began to tell her about me calling and that she hated when people tried to call and say the account was not mine, etc.
This was 3 CA accounts totalling over 600.00
The representative let her finish and then informed her that this was a 3-way call and that I was on the line. Then informed her that the account had been paid to them prior to the CA ever getting the account.
Receive a letter in the mail from CA stating:
Dear Ms xxxx:
Our office sinerely apologizes for any inconvenience on our behalf. your account with xxxx was turned over to us xxxx in error. We have thus corrected the error in our records. In addition, xxxx (hospital) has also corrected the erroneous balance due. You owe nothing on the above referenced account.
Please be assured this information will be updated, and deleted from your credit file. No further letters or phone calls will be directed toward you regarding this account. This shall be the last communication from our office.
Again, I apologize on behalf of xxxxx for any inconvenience this had caused. Sincerely xxxxxx
3 collections removed within a day or 2 from my report.
There is some justed. Make sure you keep records for up to 5 years so that if you ever need it, you have it, or else I might have been repaying this all over again.
