Disputing a late payment reporting. What counts as "proof'?

[Anonymous]

I am disputing a account that has a "Late payment" reporting.  I foolishy wrote down the confirmation in a notebook, and have lost track of it. 

I know it was paid, and the account shouldn't be reported as over 60 days late.  I am doing my best to find any proof. I know I called the creditor on a speific date before the payment was due, and was talking to them for a few minutes.  I pulled my telephone records, and it does show I called the creditor,and talked to them for 18 minutes, yet before I found this, the creditor said they couldn't see a call was made to them.  I also have a "payment allocation" paper they sent to me that says a transcation for "$100" dollars was made on 03/18/2015, and my phone records have the phone call taking place on 03/17/2015. I just found these documents a day ago.  I don't understand how a phone call wouldn't be recorded, but yet it shows on my phone bill that I talked to them for 18 minutes. I googled the number, and it was the creditors number.  They have said i never did talk to them ,but that was before I went through my phone bill.

Do i have anything worth sending them to show that what they have told me isn't correct? 

[Anonymous]

Call them back and see if there is anyway you could fax the information to them. You probably called into a call center which can be the most unreliable area for documenting calls. I know, it's ironic thinking that but very truthful. If you can't make any headway there, file a dispute with the CRA and send copies of the documents to them.

[StartingOver10]

How did you make this payment?

If it was ACH or debit card then just pull your bank records (statements) for the time period and send the relevant page with your account number redacted. 

If it was money order, do you have a copy of the receipt?

If it was Western Union or Money Gram there is paperwork to show the payment.

I don't see where a phone call would indicate payment but I understand your frustration with the CA claiming you never spoke to them yet your records show an 18 min call.

All that tells you is the CA keeps lousy records and will say anything to get paid (again).

[Anonymous]

My issue would be with the fact that they said they went through the account, and looked a few times, and didn't have any calls from the time period I knew I called. So if they can mess up there, then that opens the doors to what else they could mess up.  I'm looking at my bank statements now, I paid for it with a check.  I have a email from them that tells me how the payment was allocated on the day after the phone call.   This is a hassle that shouldn't have happened. I've already shown one of their mistakes.

[Anonymous]

I hear your frustration. As much as you want to tear apart every detail on your interactions and accounts with them it's only going to drive you mad. Been there myself. If you have the documents to disprove the nonpayment, take care of that and try to move on. You'll possible spend more time into something that will have little to no return. I know for me, I learned from my mistakes and keep very detailed records whenever I call into anyplace. I'm glad you're armed with the info to get this overturned in your favor. Take that as a win and focus on the next phase in rebuilding!

[RobertEG]

The issue is whether you have proof of payment, not that if they gave you incorrect info about a prior phone call, then their records regarding your payment or lack thereof is also incorrect. 

If you have a cancelled checked deposited by them, that would be the type of proof needed.

I would send a direct dispute using a copy of the check as proof of payment and its date of deposit.

[Anonymous]

So how are they allowed to make errors, but if we do, then there are problems?

Navient(Sallie Mae) told me 2 times that they reviewed the call logs, and there records didn't show a call at all. Was told they looked thoroughly, so obviously they didn't, or there is a issue with their system. Proof of the phone call shows that there is a error on their end/system makes errors, if there is one error/mistake, then that shows more errors could happen on their end.

I went through bank statements, and it shows for 03/18 , which is the same day the phone call took place (Which I have the phone bill) 

Bank statement shows on 03/18: 

147.20 MERCHANT PAYMENT AT LOC 360 12061 Bluemont Way Reston VA

Looked this up, and it's Sallie Mae/Navient. I don't have a voided check. I paid by phone.

 The phone bill, and bank statement is all I have.  I've read online about how Sallie Mae/Navient has lost peoples payments, and made errors just like this plenty of times. Ridiculous.  

[Anonymous]

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@Anonymous wrote:

So how are they allowed to make errors, but if we do, then there are problems?

Navient(Sallie Mae) told me 2 times that they reviewed the call logs, and there records didn't show a call at all. Was told they looked thoroughly, so obviously they didn't, or there is a issue with their system. Proof of the phone call shows that there is a error on their end/system makes errors, if there is one error/mistake, then that shows more errors could happen on their end.

I went through bank statements, and it shows for 03/18 , which is the same day the phone call took place (Which I have the phone bill) 

Bank statement shows on 03/18: 

147.20 MERCHANT PAYMENT AT LOC 360 12061 Bluemont Way Reston VA

Looked this up, and it's Sallie Mae/Navient. I don't have a voided check. I paid by phone.

 The phone bill, and bank statement is all I have.  I've read online about how Sallie Mae/Navient has lost peoples payments, and made errors just like this plenty of times. Ridiculous.  

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You're absolutely right. The debt collection industry essentially wrote the laws (FCRA and FDCPA) with some input from  lawmakers - or to put it another way, the lawmakers wrote the laws with a great deal of input from the debt collection industry. So while there are *some* protections for us, the deck IS stacked against us to a great degree. The only defense we really have is to learn how the system works, both for and against us, in order to play this game on as level a playing field as we can possibly make.

[Anonymous]

It's irritating. When I send them the phone bill, and the bank statement, I bet they'll have another excuse or it will be blamed on me.  I think they should be held accountable for their mess ups. I have spent a lot of time over this issue, and I'm about to just tell them how I feel.  

[Anonymous]

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@Anonymous wrote:

It's irritating. When I send them the phone bill, and the bank statement, I bet they'll have another excuse or it will be blamed on me.  I think they should be held accountable for their mess ups. I have spent a lot of time over this issue, and I'm about to just tell them how I feel.  

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I hear ya man, I hear ya. I read some of the stuff people go through on here and it just infuriates me at times, what some of these cretins get away with.