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Canadian Credit

The unique challenges for our neighbors to the north.

180 topics in this forum

  1. Pinned topics
  2. The Welcome Mat

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  3. Welcome!

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  4. Other topics
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  5. CIBC silliness

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  6. Help with project

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  7. AMEX

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  8. Who pulls which CBR?

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  9. Best Buy store card

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  10. Full Circle!

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  11. Unpaid Credit card

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  12. Amex

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  13. Public Record

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  14. Who pulls which CBR?

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  15. Auto Financing

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  16. My road to recovery.

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  17. Quick Question

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  18. Hello Canada?

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  19. My credit journey

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  20. TD US$ Visa

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  21. Amex Blue Sky

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  22. Collections Question

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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

    • Ok, I’ve been paying $800 extra and designated it to go just to the principal. i received a letter yesterday that said I’ve been paying $171/month for PIV....I called them with questions this am and they said it was insurance because we weren’t able to pay a sizable down payment. So I dropped it. Come Feb. I’ll have a mortgage payment of $171 less...so since I’ve already been paying 800 extra, I’ll be able to pay a double payment. My current mortgage payment is $1224.27...it will drop to $1052.97....and my rate is 3.25....so no need to get a better rate cause that’s really low yes? Thanks!
    • Some people thrive on their own drama and the attention it brings.    I have zero patience for self-induced problems, unless the person is actively and legitimately committed to turning things around.  Some people are not, and never will be.     Edit her out of your lives.     If your wife insists on hanging out with her, that doesn't mean you have to...  just make 100% sure that you and your wife are in agreement on how to run your own household finances, and have a system to hold yourselves and each other to the plan.
    • Yes that’s what I understand....called Wells Fargo this am. But, I wanted to make sure I wasn’t being taken advantage of Thanks!
    • Shifter is, of course, right.   You can lead a horse to water, but you can't make them drink.     To preserve the friendship, I'd leave her be and let her ruin her life.  Maybe when she hits rock bottom, she'll see the light.  Maybe not.   Since she isn't a family member, there probably isn't much else you can do.  Were it a family member, physical violence works wonders.  😂
    • Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum.   Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear  

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