Geico sent my debt to collections HOWEVER they had already cancelled me!

[Anonymous]

Hi all,

My card had declined so Geico had cancelled my insurance coverage HOWEVER I was recently shocked to find out they billed me for that last month (even though they were not providing any coverage!) I heard Geico commonly does this. 

So the debt is now with a collections agency and it's been reported to the credit bureau.  Can I dispute this? Ask for a debt validation letter?  Will the burden of proof be on Geico to show they in fact had kept my auto insured even though my credit/debit card had been cancelled (lost card so cancelled it) and they could not process payment? I know auto insurance companies cancel you if they cannot process payment so how can Geico claim I owe them for that month my payment didn't go through?

Last thing if I want to dispute this or even "pay for delete" if nothing else works, should I be sending the letter to GEico or the collections agency listed on the credit report?

THank you for all your suggestions.

[Anonymous]

Ask them to recall the debt and then pay it through them(they have to recall it first).  If they refuse, ask the CA to PFD, if they refuse just pay the debt so it will start aging and start GW campaign.  Good Luck.

[Anonymous]

If you have a copy of the date of cancellation you can provide that as proof to the CA and CRA's. 

[Anonymous]

Yes I don't think I should have been billed in the first place because I wasnt't covered after my payment didn't process. Also the cancellation is from 2014 and I think the collections agency re-aged the account bec its showing on my report as 2017. wth! 

So if I just provide Experien wiht the cancellation notice from GEico that should be enough proof for the credit bureaus to completely delete from my report?

[simplegirl]

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@Anonymous wrote:

Yes I don't think I should have been billed in the first place because I wasnt't covered after my payment didn't process. Also the cancellation is from 2014 and I think the collections agency re-aged the account bec its showing on my report as 2017. wth! 

So if I just provide Experien wiht the cancellation notice from GEico that should be enough proof for the credit bureaus to completely delete from my report?

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The collection agency did not re age the debt no one can. they bought the debt in 2017 which means it was with geico but then they decided to sell it to an agency.

[RobertEG]

You have a legal contract issue which requires careful review of the contract provisions, and advice as to whether or not you have basis for contesting the legitimacy of the debt per se.

You should thus begin by obtaining a legal opinion of an attorney as to whether you owe any debt under the terms of your contract with the business.

If you determine that you consider the debt invalid, you can either file a DV request with the debt collector, or file a dispute with the CRA contesting the accuracy of any delinquent debt obligation.

A DV request will not be timely if more than 30 days has expired since the debt collector sent dunning notice, and even if timely, a DV does not compel that the debt collector respond within any period.

If you have factual basis of asserting lack of validity of the debt, I would advise sending a dispute to the CRA.

If they verify,then you can file a civil action and get a full review of your evidence by the courts.

[AZEsq]

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@Anonymous wrote:

Yes I don't think I should have been billed in the first place because I wasnt't covered after my payment didn't process. Also the cancellation is from 2014 and I think the collections agency re-aged the account bec its showing on my report as 2017. wth! 

So if I just provide Experien wiht the cancellation notice from GEico that should be enough proof for the credit bureaus to completely delete from my report?

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The thing is that under most state laws, they cannot cancel coverage within 30 days of non-payment. Depending on where you are, you likely were covered. They cannot make a cancellation retroactive, so the billing was likely for the period of time that you were covered. If it were recent, you might be able to pay Geico. Since it's so old, though, I'd call the collections agency and ask them to verify the debt, then offer a PFD. ONLY a PFD. Given that it should fall off in less than 2 years, they'd likely be willing to do it.

[Anonymous]

Is California one of those states?

[gdale6]

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@Anonymous wrote:

Is California one of those states?

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I never had auto pay by credit card but I was mailed premium notices that stated non payment of premium after 10 days of grace would result in policy being canceled retro to original date was due.  Here are the CA regs on all of this

https://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=INS&division=1.&title=&part=1.&chapter=10.&article=

[Anonymous]

Hello Gdale6,

Thank you for the link. So is that proof they never provided me the service they are charging me for? Should I send a dispute notice to experien?

Also experien just deleted a medical bill off my credit report but my score hardly changed. I'm really surprised because I have a really low score but I currently only have two items in collections (which I am disputing) and a closed credit card. Can I request experien to look at more score again since that medical bill should have never been on there in the first place?