Disgusted With CO

theNavigator · ‎01-05-2009

On my report. It was paid, but the only reason I paid it was because it was like beating a dead horse to fight it.. I called the CA so that I could get it removed and they refused, what is my next step. Or just wait the 7 years out. It's for verizon DSL equipment and it's hard to explain, but I had no idea it was on my report, because it bs. I basically got conned, because they switched the dsl into a phone line of my own when I was just 18, and I had the equipment over a year so I "owned" it, but since it wasn't a full year with the new number, they charged me for the equipment. Anyway, just a bit ticked off... I may have been better off just fighting it now that I think about it, not sure what I should do. My scores are all above 650. Up at least 50+ points since rebuilding my credit last year, I just turned 21.. But I want scores over 700 and this doesn't help. The CO was for $143 I believe.

Message Edited by theNavigator on 01-05-2009 05:08 PM

Anonymous · ‎01-05-2009

Do you know if the CA owns the account or was it just assigned by Verizon?

PayYouNever · ‎01-05-2009

Always fight as CAs have NO MERCY, in fact that dance around when they get people to cave in to their scare tactics... there are some more aggressive tactics that you can discover on other boards.

However, Verizon is a difficult beast. Track down the President for your region's Verizon and harass him via email and snail mail (CMRRR) and faxes looking for some relief. Site the egregious business practices that all companies have done over the last few years, mention that Verizon escaped scottfree from congressional prosecution for spying on Americans, anything to shame the president into take a second look...

theNavigator · ‎01-05-2009

It's owned by the CA now. I'm about to call them every day I work for the next 7 years and complain just for the hell of it. Ugh. BS anything to bring someone down.

theNavigator · ‎01-06-2009

Yeah I called again today and it was no help. When exactly does it fall off? From the date I paid the collection? Or the date that it was reported? I'm more than annoyed, because I don't even care to fight but it's affecting my score and now I probably won't reach 700 this year cause of these people. And not to mention I really didn't owe verizon jack, they falsely charged me for equipment that I wasn't in contract for technically. Ugh! But since it's verizon who wants to constantly fight these people, they had already sold it to the CA and it was out of their hands I was told, and this CA sucks too.

Anonymous · ‎01-06-2009

Who is reporting? The CA, the OC, or both?

The CRTP begins from DOFD. The date you went delinquent and never caught up prior to charge off/collection.

Do a search on the forums for llecs+verizon.....he had a long battle with them. I believe he eventually had luck with them.

llecs · ‎01-06-2009

sidewinder wrote:
Do a search on the forums for llecs+verizon.....he had a long battle with them. I believe he eventually had luck with them.

Actually mine was Verizon Wireless. After dozens and dozens of PFDs, I had success via planetfeedback.com with a PFD through there.

Now DW also had a Verizon (landline) issue. We sent about 12-15 PFDs to them with no luck and then I sent one to Verizon's President or CEO. Within a week, it disappeared off her CRs. So, I mailed a check for PIF not really questioning the order of events (duh, PFD letter, acceptance, pmt, delete vs. PFD letter, delete, payment). They never cashed it but sold the acct to AFNI and forwarded the check. Three months after I wrote the check, AFNI cashed it and sent a letter saying the account was settled. Luckily, AFNI never reported for DW.

theNavigator · ‎01-06-2009

It's the CA, and Yeah it's AFNI. It was verizon online and the lady told me point blank on the phone calling verizon wouldn't do a thing and there's nothing I can do about it haha. Ugh. IDK what to do. What do you suggest. It's already paid and showing up as $0 Balance and Paid. But affecting my score still it appears. Even though it's paid. Sigh

Message Edited by theNavigator on 01-06-2009 09:41 AM

Mark_in_Pasadena · ‎01-06-2009

File a complaint with your state's Public Utilities Commission.

In my case I filed a complaint against Cingular in 2003 or so (now AT&T Wireless) for charging me an early termination fee when only 1 day was left on my contract. I called their CSRs to complain and got tossed around rudely. They acted as if I was a parasite and would laugh at me since I was dumb enough to expect them to be "nice", when they were simply acting within their contractual obligations, and I was the one who "broke the contract" by cancelling one day early!

After I filed a detaile online complaint (names of CSR with dates & times of calls) with the California Public Utilities Commission against Cingular, about 30 days later I got a call from someone at the "Office of the President at Cingular". They called to apologize for their CSRs, claiming one of them had been fired for laughing at me and treating me rudely (they keep recordings of the calls). She also let me know that they were sending me a check for a refund of the $175.

I was very happy with the outcome & suggest you file a detailed complaint with your state's PUC as well if you want to be taken seriously.