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denco

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  1. Update: Called all 3 companies and was shockingly surprised to have all 5 fees refunded. Gave more detail on the situation and the fees which were between $25 and $28 each depending on the company have been removed. I will give some background that I have been a customer of each of the companies 10+ years and have not had a fee refunded much if at all during my account history with them. Nothing recent for sure and nothing in at least 5+ years Really surprised Cap One was agreeable as they have been pretty awful in my experience. Thanks to all.
  2. Found this online also and might go with this: call and ask politely. "This was a mistake because I forgot to update my bank info timely, not because I was not able to pay. I was hoping that the fee could be removed from my reports in consideration of the long and excellent history we've had with the account." You're at their mercy. Some will. If they don't then wait a while and send a goodwill letter. Haven't noticed a change in the interest rates so the worst they can say is no.
  3. It is all the CC companies I use so it is Discover, Chase and Cap One. Discover has decent phone support but the others have been awful especially Cap One. I will call tomorrow although was curious if success rates differ based on contact attempt method. Thank you.
  4. I recently moved due to a domestic situation that I had to leave. In doing so, the account which I made payments was closed. I set up a new automatic payment as soon as I moved several states away and had internet service. I made the payment with my new account in time to avoid a late fee. However, since the prior payments were made with an account I had to close abruptly, I was charged for this fee. From what I have read it seems like a returned payment fee is more difficult to get refunded than a late payment fee. Either way, I am still going to request a "courtesy reversal" sinc
  5. My concern is that due to the extent of the medical issues that there is some bill that we don't know about floating around. I wouldn't want to sign an affidavit and then get caught in a situation where it looks like we acted in bad faith. I also am reading something here that states her funeral has to be pre-paid. The more I dissect this the more ridiculous it seems. I have a call in to our title company to get their take on this and see how to push back.
  6. Got around to reading this document and see "furnish an affidavit that all funeral expenses have been fully paid and satisfied". The seller is alive, the real estate agent is somewhat dismissive of my concerns and I just left a voicemail for our title company for some additional information. I am wanting to tell the seller's title company to shove it but need some ammo. I have never heard of this (provide an affidavit that medical expenses and funeral are paid for) but this is new to me. Does anyone have experience with telling the buyer's title company you will not agree to these unreason
  7. -He said he thought it was no big deal and gave me the contact info for both title companies. I'll be reaching out in a few days after figuring out why the buyer's title company is pushing this and if it is common. Also, thank you for the car vs real estate differences. I couldn't get that example of me selling a car to another party out of my head. This is my first real estate transaction. -Is it an asset dump though when parent is downsizing from a house to a condo with both assets in their name? We are downsizing to a small condo because parent is likely in a wheelchair the rest of
  8. Advice requested: I have been in the process of selling a parent's home to get them into a smaller living situation more conducive to someone living in a wheelchair. After we accepted the offer, the buyer's title company is now requiring an affidavit. Our real estate agent said this is considered standard but when we purchased the new place, no such affidavit was requested. Included below is the demand with some personal information redacted. "Furnish an Affidavit stating that (parent name) has never received any Medicaid payments and that all funeral expenses, as well as all expen
  9. Before I do anything else, I'll re read through the guidebook again and make sure that is all in order. If they don't sue me over the $2300 they billed, I will just deal with the credit hit. I was worried most about them coming after the joint account especially since they ran an inquiry on my credit report but your response has minimized that concern.Thank you very much.
  10. Thanks for the replies. I'll keep pestering for a response or way to appeal but I'm afraid I'll be sued or sent to collections/garnished. I noticed they checked my credit without my permission, should I just expect to be garnished when I finally start working?
  11. I finally heard back this month in writing that I was denied charity care. There was no reasoning given nor a chance to appeal and no contact information. I have no income and am not eligible for Medicaid and am still a full time caregiver to my mother. Any last ditch tips as I do not want to be sued or (when I finally get back to work some time next year) garnished. Thanks for any help.
  12. I also thought by opting out it would prevent unauthorized inquires. Any thoughts on if it matters if I put a fraud alert or credit freeze on my file to prevent third parties from looking at it?
  13. Thank you both for the helpful posts. Re: Cosmos Human I have started the application for charity care. I am not able to get medicaid. Obamacare is $150+ per month as I looked into this and even being unemployed all year, there is no waiver available. The charity care application does not mention anything about the ambulance and I have been unable to get a response regarding that bill. Re: Why Chat The date of injury was 04/28/2016 and no insurance of any kind was involved. This was hopefully a one time thing as I broke a glass window trying to fix the screen and sliced open my arm.
  14. Hello. I have read a bit on the WHY Chat HIPAA guide and other useful posts but my situation is new and has not yet been turned over to collections. I recently moved back home to take care of an ill parent. The sudden decline in their health gave me an opportunity to move out of state and back in with them. Unfortunately, I was injured and used a hospital. I have no health insurance or job at this time to cover the charges. I was put on a bank account of my parent to cover their funeral costs when they pass as the account has enough to pay for a gravesite marker and basic service. The
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