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    • Greetings, Thank you kindly for any and every response before + after the fact.
      Regarding a one year apartment lease. it's been just over one year since moving, first collection company contacted me in May, and again June - weird, it's like the complex sent it twice. It shows twice as the same amount, a $1998 charge-off. I would love to sue the apartment complex or some way hold them accountable - serious wrong doing and lies.
      Now just want the simplest way to move past it. Question is, when disputing to the 3 bureau's is best to make my case, describe what happened etc or is there some technicality to just have it removed? I was reading another thread about them having to be bonded in the state? I'm in Fl. 
      Also, are the disputes best done online, is that more common or do people mail nowadays?
      Quick recap if that helps:
       Lease expired 11/1. I was out 11/19, which of course is late, but I do have in writing from Manager to allow me to stay without fees if out by 11/16. the elevator was broken 11/12-11/16 creating the necessity to complete move 11/19. 
      They had a $1519 security deposit (one month). I was dumb enough to think a refund was coming, it was over the Holidays, and hopeful, I contacted Manager whom I had been in contact with, told she with a new property. My papers processed by someone else. I get notice on door of missed package, sign thinking they will leave it the next day, track it, and it shows "return to sender". SO I've never received itemized bill. 
      The only way that I have any idea what they chalked the fees with is a respone from manager on an online review I left for them. They stated that the carpet needed to be replaced.
      I Left that apartment EMPTY. I also filled in a move-in checklist and noted the carpet on it.
      Regardless, how does a $1519 deposit turn into a $1998 Charge-Off??!!!?!!
      Anyway, it boggles the mind that the apartment complex has done this to me. it's despicable, really. One of the reasons the Manager granted request initially was that I paid on time every month, had no issues. The fact that they would sever what could have parted amicably is beyond me.
      It's been a year...still think about suing, but would appreciate any advice. it took my credit from 700 to 600.
      • 27 replies
    • So somebody got ahold of my Citi CC number and successfully charged $753 and change on some pool website. I saw the charge and called the company and they said the order looked fraudulent and they had canceled it and refunded my card. 
      So I contacted Citi to get a new card number and disputed the charge. Well, first the refund from the merchant never posted. Now 3 weeks later I call Citi to see what's taking so long with posting my credit from the dispute. 
      They say that it's still under investigation and they will not post the credit until they finish the investigation and determine it is fraudulent. Until then I have to pay it off when my bill comes due. 
      Has anyone ever seen anything like this? Every dispute I've ever filed they credit my account instantly. That's the whole point of having a CC - they are liable for fraud, not me. 
      • 19 replies
    • Hi WhyChat,
      I happened to bounce onto this forum whilst skimming through medical bills and need your assistance.
      In a bit of situation for which I am not sure what approach I am to take 
      (1) Wife had to undergo some medical procedures in 2018 and that resulting in some medical bills
      (2) I had missed a month of payment after negotiating a payment plan with the hospital unfortunately and it had gone through to debt collections
      (3) Reached out to the Financial Recoveries (debt collectors) and negotiatied another payment plan unknowingly to me that inspite of doing so that they would report it on my wife's credit report
      (4) Checked my wife's credit report this month and I see the collections records listed in her profile
      (5) Called Financial Recoveries and they were not helpful with my request to remove the records off my wife's credit report upon payment. They say that once its settled, it would be marked as closed and it would eventually 'fall' off
      (5) Called the hospital and asked them if they could claw back the debt so that I could pay it off with them and they could have Financial Recoveries pull it off my credit report. They had mentioned that I could pay the debt to either the hospital or the debt collectors but they have no control over the credit report issue.
      I am at loss right now as to what approach I should take to remove those derogatory remarks from her report and would appreciate any advise. I read that goodwill letter 'might' work after complete payment but there is no certainty of that.
      One thought that ran through is that if i were to pay the complete amount to the hospital they technically Financial Recoveries would have nothing to claim and they maybe 'bound' to remove those remarks? 
      Any advice is highly appreciated!
      • 16 replies
    • Hey, my (older) mother was at Macy's, using her store branded Macy's card (DSNB) she has had for 28 years, when one of the tellers said that they "had" to switch her Macys card over to "the new one" and asked her to put in the last 4 of her social security #. She did it, and only realized a few weeks later when get got a new Amex Macy's card in the mail that the cashier had signed her up for a new Amex Macy's card. She was livid and refuses to activate the card, but we all know that the card is already open and reporting on her credit report as a new separate card. She wants to close the account and have all records of it removed from her credit reports and wants to report the incident as well. What are the proper steps to take to get this done with minimal headache? This happened a few months ago but I am just getting around to helping her out with it now. Thanks.
      • 14 replies
    • Received some akimbo prepaid card.
      Never heard of them.
      Identity theft I suspect.
      Funny it came to me in c/o of me.
      Filed a complaint with CFBP and will call these people on Monday and tell them to remove my name and address from their database.
      Has anyone dealt with them.
      I am holding onto the card just incase I have to get a lawyer involved.
      • 8 replies
  • Posts

    • I'm rarely late on a credit card payment and the few times in my life that I have been late, the bank has always waived the late fee.  This month I missed a payment by 2 days on a secondary citi card that I have never been late on and paid the bill in full before the statement cut off.  I thought I had the account set up for auto pay and it was only set up for my main citi card.   I called in to have the late fee reimbursed and their automated system said they could not waive the fee.  I then spoke to a live rep who said they could not waive the fee.  I told the rep that's unfortunate as I will no longer be using this card on a regular basis.  There is no damage to my credit report and $25 isn't the end of the world but I would think being the first time, they would waive the fee as a courtesy.   Has anyone had this experience lately?  Is it worth escalating this to a supervisor?
    • Long time no see.  I never thought I would be back on the board after doing credit repair but here I am.    Back in 2016, I broke my ankle; went emergency room and got a $200 bill.  I didn't pay cause I didn't have it.  I'm in a better position now.    I would like to pay the Hospital and get this off TU.  It's not reporting on EX or EQ.    The collection agency reporting is ARCH (Accounts Receivable Clearing House).    Will WhyChat Program works for this or should I contact the Hospital and pay direct?    Thank you. 
    • PenFed Useless Rewards (tires/auto service to use $50/$1,000 spending offer) Citi Expedia (~$2,000 in insurance and misc non-category household purchases to get SUB valued at $500-710) US Bank Altitude Reserve (misc travel and Apple Pay purchases, including Auntie's new TV, all for 4.5% back) Amex EveryDay (Best Buy purchases for us [chest freezer, eBay gift cards] and Auntie [$300 of her new iPad] for $30 and 3,000 MR offers) Chase Freedom (misc PayPal purchases for 5 URs/$) Citi AA Executive (misc international purchases [no FTF] by TAD on the AU card while he's in Turkey) Citi TYP AU (misc purchases by TAD, PC to Double Cash in process) Amex SPG (Sherwin Williams purchase for $25/$100 offer) Amex Greenie (misc restaurant purchases) PayPal Extras (misc household purchases for $10/$100 spending offer) Bank of America Cash Rewards (misc household purchases, mainly online shopping and warehouse clubs for 5.25% / $3.5% back respectively) Capital One Quicksilver (free BT of misc travel expenses from Altitude Reserve)  Bank of America Travel Rewards (remainder of non-category spending for 2.625% back) US Bank Cash+ (ISP bills and prepaid utilities to max $2k quarterly 5% cap) Discovery IT ($2 residual balance) Honorable mention:   TAD's new Amex Greenie (property tax payment to get SUB and $3.32 for my Away order) TAD's BoA Premium Rewards (AF, to be refunded when PC to World Wildlife Fund 3/2/1 card is complete)
    • Is this a community property state you live in?

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