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Money Management

Discussion and tips on sound money management.

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  • Our picks

    • 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. 
      • 17 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!
       
      Hisham
      • 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
    • After many years with AT&T I decided to go with Verizon with the condition of no hard inquiry. The dealer agreed along with the manager.  Knowing  this did not mean much I had a paper agreeing to this  agreement signed by the manager. Of course a hard was on EQ.  
       
      I contacted the EO of Verizon and the manager admitted to this at which the EO agreed to remove the inquiry and was sent the following e-mail with a follow up call. :
       
      Thank you for bringing your concerns to the attention of xxxxx xxxxxxxxx, SVP-Consumer Customer Service . We are committed to providing you with a stellar customer experience everyday. We value and appreciate your feedback when we may fall short of that commitment.

      I am glad that we were able to resolve your concerns by submitting a suppression request to the applicable credit bureau.  This credit suppression should occur within 60 days.

      Thank you for your patience in the resolution of this matter and your continued loyalty to Verizon.

      Sincerely, xxxxxxxxx xxxxxxxxx
       
      2 months later the inquiry is still on EQ and it claims no contact from Verizon. The case is now closed and I can't get in touch with the signee of the e-mail and phone call. All I get is the EQ refuses to remove it as we can't do anything to force EQ to remove it. BS I told another Verizon  EO official and ended the convo.
       
      What should be my next step? Thx for any advice.  
      • 8 replies
  • Posts

    • hmmm I received an email from PACER: PACER does not directly verify federal case information to third parties by phone, fax, or email.The PACER service was developed by the Administrative Office of the United States Courts and is maintained by the Court Services Office, Programs Division, which manages the electronic public access program for the Federal Judiciary. Consumer bankruptcy information is publically available online to registered users of PACER.   I was under the impression that, regardless of how they verify it, if I ask for the investigative material they should send me something [according to 611 (a)(B)(i)(ii)]   Also, when I check TUs website it sites LN and LCI as data furnishers https://www.transunion.com/legal/public-records
    • TU uses PACER. Once it's been verified they will never remove it regardless of whether LN later shows clean or anything else you happen to change in the future. Unless you can get the case sealed and it disappears from the court records, you're not getting them to remove it. 
    • Those are the kind of people who find their way out of my life after a while. It's tiring to put up with those kinds of conversations nonstop. Also you should keep in mind that people generally end up with the same habits as their friends. So be careful how much of this broke person mentality you allow to infiltrate your head. 
    • They sent me a letter stating that they do not verify information the the credit bureaus. (the letter is from March)...don't know if I should ask for more recent letter.  Also, I removed the freeze from LN because the report is now clean.
    • Well Citi mentioned something similar. I paid the statement balance less the dispute amount and it seems to show 0 balance remaining to be paid. So hopefully it will work out like that. 

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