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Chexsystems Help
Discussion and help for consumers who have trouble getting a bank account.
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Our picks
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Citi Dispute Hassle
shifter posted a topic in Credit Forum,
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.-
- 8 replies
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Financial Recoveries - Debt Collecting off Medical Bills
hishamzz posted a topic in Medical Billing & Medical Collections,
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
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Mom got swindled into a new Macy's credit card. Any way to dispute it?
drdavidge posted a topic in Credit Forum,
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
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Akimbo card, identity theft I suspect
althes posted a topic in Credit Forum,
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.
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- 8 replies
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Verizon Inquiry
StantheMan posted a topic in Credit Forum,
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
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Posts
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By cashnocredit · Posted
This is correct. But only if you dispute the charge in WRITING. This doesn't mean the bank will not decide in the merchant's favor, but until they do, they many not require you to pay the charge or penalize you. -
By StantheMan · Posted
A shot in the dark: THIS MYEQUIFAX AGREEMENT AND TERMS OF USE ("AGREEMENT") CONTAINS THE TERMS AND CONDITIONS UPON WHICH YOU MAY CREATE AN ACCOUNT TO PERFORM CERTAIN ACTIONS RELATED TO YOUR CREDIT REPORT PROVIDED BY EQUIFAX INFORMATION SERVICESS LLC (“EIS”) THROUGH WWW.EQUIFAX.COM AND ALL OTHER WEBSITES OWNED AND OPERATED BY EQUIFAX AND ITS AFFILIATES ("SITE") UNLESS OTHERWISE NOTED. THIS AGREEMENT DOES NOT APPLY TO WWW.EQUIFAXSECURITY2017.COM, WWW.TRUSTEDIDPREMIER.COM, OR WWW.TRUSTEDID.COM. THIS AGREEMENT ALSO DOES NOT APPLY TO THE TRUSTEDID PREMIER PRODUCT, THE EQUIFAX LOCK & ALERT SERVICE LAUNCHED ON JANUARY 31, 2018, PRODUCTS OR SERVICES OFFERED DIRECTLY BY EQUIFAX CONSUMER SERVICES LLC (“ECS”), OR THE EQUIFAX CYBERSECURITY INCIDENT ANNOUNCED ON SEPTEMBER 7, 2017. YOU MUST ACCEPT THE TERMS OF THIS AGREEMENT BEFORE YOU WILL BE PERMITTED TO REGISTER FOR AN ACCOUNT THROUGH THIS SITE. BY REGISTERING ON THIS SITE AND SUBMITTING YOUR ORDER, YOU ARE ACKNOWLEDGING ELECTRONIC RECEIPT OF, AND YOUR AGREEMENT TO BE BOUND BY, THIS AGREEMENT. YOU ALSO AGREE TO BE BOUND BY THIS AGREEMENT BY USING THE ACCOUNT OR TAKING OTHER ACTIONS THAT INDICATE ACCEPTANCE OF THIS AGREEMENT. PROVIDERS OF THE ACCOUNT AND THE SERVICES. You are creating a myEquifax account (“Account”) with EIS. This Account will allow you to take certain actions related to your EIS credit report (“Equifax Credit Report”). These actions currently include placing, lifting, and temporarily removing a security freeze on your Equifax Credit Report and placing or removing an initial fraud alert and active duty alert on your Equifax Credit Report. Additional actions may be added in the future. EIS may use service providers, including affiliated companies and their service providers, to help EIS perform these actions and fulfill related functions. You acknowledge and agree that EIS may make additional services available through the Account in the future. EIS and its respective service providers are collectively referred to in this Agreement as "We," "Us," and "Our." You, the person visiting and utilizing this Site or to create an Account, are referred to as "You" or "Your". -
Thank you Tralston, what do you suggest I look for in the court system, thank you -
By tralston3838 · Posted
Check the courts around your Old NY address. Sent from my SAMSUNG-SM-G890A using Tapatalk -
Tralston, the name of the Credit Agency is Capital Management in Buffalo, NY if you have heard anything about them...date of default was the end of 2016, I'll look up the exact date.
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