WORST CUSTOMER SUPPORT

[TryingVeryHard]

I called credit one bank regarding my account with them. I "paid" the collection to whom they have sold the account. The collection agency deleted the tradeline they have submitted to the Credit Bureaus.

However, the Credit One Bank still shows 654$ balance in my TU account, instead of ZERO Charge-off. I explained that EXP and EQ has ZERO/ Charge-off account and only TU shows a 654$ charge-off. I cant believe what the clueless rep told:

"EXP and EQ are wrong!"

They have this nasty attitude. I don't know what I could have done if they are in front of me.

They don't know how to listen, don't know how to sympathize and don't know how to talk with manners.

What else can I do, if they keep reporting and verifying that my account has $654 balance despite being sold to the CA, and despite the CA being paid!

[Ausfarm]

Send them a letter again disputing the account and explaining all the really bad stuff that can happen to them if they intentionally repret incorrect information.  I'm sure they'll listen then.

[Anonymous]

i am a similar boat, the collection agency in not credit report but Applied Bank still has a balances with a charge-off and reporting past due. I wondering should I pay the agency?

[Anonymous]

Since they are an OC, DISPUTE with the CRA, wait for investigation to complete, then send the following:

Company

Address

Address

Date

Re: Acct #xxxxxxxxxxxxxx

To Whom It May Concern:

I recently pulled my credit report from Experian, Equifax and TransUnion and noticed this account was listed on each of my reports as a collection I immediately disputed this information with Experian, Equifax and TransUnion and the results of the investigation came back as "verified

Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.

In order to clear up this matter, I would like to see:

Complete account history, including, all statements, records of all activity, payments, collection attempts, and any charges added for collection activity; In short, any and all documentation pertaining to this account

 If you don't respond with the results of the investigation (as is required per the FCRA), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period.

Please send all correspondence to:

Name

Address

Address

Sincerely,

DO NOT SIGN......JUST TYPE NAME