Hi!
So over a month ago, I made a verbal agreement with Southwest Credit to pay a bill for TMobile. He offered me half of the debt owed. I specificially asked the guy if I make the payment will they show it as paid in full and not settled in full. He said that because I was a valued customer blah blah they will take half the debt and it will be listed as paid in full. I got a letter from them after 3 payments paid off the debt stating that the debt was "settled in full"!!
I emailed them to have them pull the call. I just got a response back stating that they pulled the call and that their rep said it would be settled in full. Which is a bunch of bull!!
I have asked for a copy of the call.... I don't think I will get it. Can I at this time go back to my bank and dispute the 3 charges? Or what should I do? I'm just so upset because I clearly discussed with the agent how it would reflect on my credit report and told him I don't want it to show as settled!
Any advice would be helpful!
