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Collection Account Issues

CivalV
Established Contributor

Collection Account Issues

I have a collection account with Sprint from 2014 of $400. Summer 17’ I tried to reopen a Sprint account & was told I needed to pay a balance of $150 to reopen my account even though it was sent to collections. They tried to reopen the account but I was denied. Fast forward to last week. I gave the collection agency a call and asked how much the collection account balance was. I was told they have not received any payments and the full $400 is due. I explained to them my situation with Sprint. They stated I need to go back to the store where I tried to reopen the account and get it sorted with them.

I have been able to remove 2 very stubborn collections from all 3 CRS. This one collection from Sprint is only reporting on Experian, hence my Experian report not rising to its true potential.

For starters I pulled my bank statement from Aug 17’ and it shows I paid Sprint $150. It also shows the day prior to making that payment that I also paid $112 for my bill at the time.

My question is how do I go about this? My whole idea is to get my money from Sprint back because I was obviously stiffed by them. After this “hopefully” happens, I would like to request a pay for a delete with the credit agency.

What are your thoughts? Any advice? Has anyone ever dealt with something like this before?
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA:


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% April 20': First Citi CC W/ 15% APR rate Total CL:$21,400
5 REPLIES 5
XtraCredit
Established Contributor

Re: Collection Account Issues

Similar situation with Verizon. I upgraded my phone and was supposed to get a $100 rebate. They never applied it and kept applying late fees but assured me it would be taken cre of retroactively. Never happened and I kept getting the run around. Closed account. Switched carriers.
Now, they won't budge.

Hired an attorney on contingency. He won't cost me a thing. At this point, I have no other options because I won't pay them for nothing.
Starting Score: EX 641 TU 631 EQ 669
Current Score: EX 714 TU 718 EQ 713 (EQ9 735)
Goal Scores: 750


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Message 2 of 6
CivalV
Established Contributor

Re: Collection Account Issues

It’s so annoying! I wish I wouldn’t have paid the $$. I just don’t want to be out of $150 & then on top of that pay the collection of $400. It just doesn’t make sense. Scammer companies make me sick. 

Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA:


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% April 20': First Citi CC W/ 15% APR rate Total CL:$21,400
Message 3 of 6
sjt
Senior Contributor

Re: Collection Account Issues


@CivalV wrote:

It’s so annoying! I wish I wouldn’t have paid the $$. I just don’t want to be out of $150 & then on top of that pay the collection of $400. It just doesn’t make sense. Scammer companies make me sick. 


Did you ask sprint for a copy of your records that indicate payments made. Also, are you sure the $400 collection is related to the bills you paid?

 

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (8.12.20) EX: 835 / EQ: 846 / TU: 834
Message 4 of 6
CivalV
Established Contributor

Re: Collection Account Issues

Now or when I originally made the $150 payment? In regards to what the $150 was for. The Sprint CR stated the $150 was towards the collections owed on my previous account. He stated I had to pay that minimum amount towards the $400 collection balance in order to open an account with Sprint. He stated the $150 should show as a payment on the collection account within a couple of weeks but that was not the case.
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA:


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% April 20': First Citi CC W/ 15% APR rate Total CL:$21,400
Message 5 of 6
sjt
Senior Contributor

Re: Collection Account Issues

Do you have the receipt. Have you contacted Sprint regarding the payment and how it was applied?

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (8.12.20) EX: 835 / EQ: 846 / TU: 834
Message 6 of 6
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