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dsctrying

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  1. I can't seem to find a way to display the copies of the documents I mentioned or is it not best to display them here. I had blanked out anything identifying.
  2. Well at first the CA would not supply their address which I got eventually and now a year later, the CA has placed an entry on my reports and my student loan has been denied so I am going to start over with the fuller story. I am a student and Ohio State Univ. in Columbus, OH set to graduate this coming May and already have my job offer in my field which is Finance when I graduate, but not being able to secure my loans will put that all in question. For the current semester I have borrowed the money from my Dad who is a senior on a fixed income but there's nothing more he can do going forward and he was counting on my loan to reimburse him. From 2015 till Spring of 2018 I was a member of a sorority here called Alpha Gamma Delta. I am also a special needs student registered with the OSU Disabilities Services Dept which has advocated for me in several academic issues. To be registered I had to go through extensive tasting and submit extensive medical diagnosis history. During the fall of 2017 I was unable to keep up, due to my disability, with the activities required by the sorority and discussed at the suggestion of the Disability Services Dept. with the house manager in Dec of 2017 that I was a Disability Services registered student and need to cut back on the activities. I did this verbally because I was concerned that anything in writing could fall into the wrong hands and a condition that I am very sensitive about becoming public would not be kept in confidence. I reviewed this with Disability Services Dept and they assured me any sorority house manager would be sensitive to an issue like this. They did offer to verify my status if the sorority contacted them and I gave the sorority the contact information to do that. I was told the sorority would "do it's best" but that activities each needed excuse forms sent for each activity I would miss. And that they would contact Disability Services if they felt the need. They never did that and I had the impression they thought I was faking my condition. In reviewing my billing in Feb 2018, I noticed that some of the events for which I had submitted excuse forms the fall prior had charged missing event fees and got nowhere getting them reversed, discussed with my counselor at Disabilities Services and made the decision to drop out. I did pay my Spring 2018 dues in Feb that year including the missed event fees and informed them I was dropping out In May of 2018 I received a notice from sorority, that I owed $2,335 to the sorority. I contacted the sorority several times and received the attached invoice from them. As you can see, After 2/1/18 payment of $1096.91 there was a zero balance due. From there forward there were 8 entries for 53 social events they claimed I missed between March 2 and March 15 without excuse forms, which is untrue and I kept copies of the forms, for a total of $2,260. One entry is for $1,880 for 47 recruitment events that took place during one 5-day period. After the last time I spoke with the sorority and they were completely not flexible I received a notice from Premier Credit of North America in Indianapolis IN. I contacted an attorney who helped me write letters pointing out that according the Federal and OH state laws, I was entitled to see the signed document that was my promise to pay these items and evidence they had an agreement with the creditor to collect the alleged debt. The CA replied with the attached cover letter and a form for me to fill out and nothing else. I received a new invoice from the sorority attached with a few changes. A credit now appeared for half the fees that were charged for the 47 instances of the recruitment events, but now added a $778.45 "Collection Fee." And other late fees. As you can see on the invoice, without the missed-event fees and penalties and late fees caused by them, the total of legitimate items is $172.69 The CA offered to take $500 off the $2335.34 as a discount. Then I sent another letter warning the CA not to place this on my credit reports. Last month I was turned down for my student loan for the first time. Requested a copy of my reports and the Adverse item show the CA, Premier Credit, and the amount $2,335.34. After 2/1/18 payment of $1096.91 there was a zero balance due. From that point forward, here is the summary of charges: Alpha Gamma Late-Fees 3/2/18 Missed Every Chapter- $ 120 3/2/18 Spirit Weekend- 120 3/5/18 Missing 47 rounds recruitment- 1880 3/6/18 Chapter Miss- 20 3/26/18 Chapter Miss 20 4/12/18 Missing Nighttime Nachos- 40 4/19/18 Chapter Miss 20 4/19/18 Missing IRD 40 Total missed event fees $2,260 Reversed fees credit -$940 Subtotal $1,320 Collection Agency Fee $778.45 Total fees + Collection Agency fee $2,098.45 Now trying to collect total. $2335.34 ( includes $124.86 in late fees which wouldn’t have been charged without the balance created by the missed-event fees) Actually owed excluding fees and missed event penalties which should have been excused: 2/11/18 Bomber Crewneck $40 2/11/18 Mandella T-shirt 17.50 2/11/18 Navy Crewneck 27 3/2/18 Feb Service Week 40 3/9/18 Formal 35.64 3/16/18 Greek Wk Shirts 12.55 Total $172.69 I also filed a complaint with CFPB which seems nothing resolved except they published it. No reply from the CA. I have contacted OSU Disability Services and they say they can not intervene in non-academic issues. They have referred me to OSU’s ADA Grievance Coordinator and I’m waiting for a call back and the OSU Sorority and Fraternity Life Center and waiting for a call back there too. Needless to say, time is important. I need to clear this asap to get my student loans approved. It’s a total scam, but I guess I may have to settle with them? Any help is much appreciated.
  3. sorry darn apple word fill-changed "now" to "not" so CORRECTION- this IS holding up my private loan for my senior year. To the best of my knowledge, it's the local sorority chapter that's hired the collection agency and it's the CA that's showing on my reports. Had to borrow the money to pay my tuition from my dad who is a senior for this semester and not sure what I'll do about next semester's expenses at this point. The sorority had never had an issue with my missing events until I notified them I was leaving. I am a special needs student at OSU and had to bow out for reasons connected to that. The actual charges for that last semester in Spring 2018 was $172. The rest of the $2335 they're demanding is missed-event fees, which again I notified them I had to miss, and late fees and penalties associated with the event fees. Incredible they can get away with this! Before this my credit number was 785. Not sure what damage this has done.
  4. Is there any way to get this resolved quickly. At this point I am willing to pay if I need to rather than take months to resolve this because I do need that loan eright away. But I know settling the CA won't get it removed from my reports. CA has now placed it on my reports with all 3 CRA's. I thought this was over after the last round of letters. It's not holding up approval for my senior year student loan? Any advice? At this point as it may take months to have it removed I'm under the gun for the student loan. Can't believe they can do this!
  5. Thanks but the student newspaper has confirmed they would not publish this, my advisor has advised the school would not become involved and the sorority headquarters is the source of the CA being used. Yes the creditor sent an email with the charges and the CA did send back a kind of documentation in the form of a spread sheet of all charges since joining with no proof that I ever agreed to pay these kinds of charges, which was requested in my certified letter. I'll file complaints as AlabamaSteve suggests and with CFPB as my dad suggested. Thanks!
  6. Well I thought that was the end of this but got a call from the same CA today demanding payment even though I've sent certified mail not to contact me. When I mentioned this the caller ignored this and kept talking threats such as putting on my credit reports. In response to my demand for validation, they had sent only a list of charges on a spread sheet. No signed contract, which there is none. Is there something I should do or just ignore this?
  7. Just following up and looks like the CA and sorority have dropped the matter after the letter I sent with the help of this forum. Thanks again. Credit number is now 725!
  8. Thanks again for these really helpful replies!
  9. Thanks so much for your replies and support and encouragement! I have taken them and looked at many sample letters and some my Dad had and come up with this letter to the CA. May I trouble anyone with more experience to take a look and make suggestions and or give a reaction? Thanks in advance for any help you can offer. Me My Adress etc Registered US Mail # Silly CA Address File # Etc. To Whom It May Concern: This letter is being sent to you in response to your recent attempts to collect this fraudulent debt. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of: 1- Agreement with your client that grants you the authority to collect on this alleged debt 2- A valid and current agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and bearing the amounts that he/she promised to pay. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of Ohio State Law. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, Me
  10. Thanks for the replies and your patience as I'm a newbie. Yes, I submitted the written form required to be excused and placed it in the box at the house where these are supposed to be placed. I called and confirmed that it was received at the time and was told by a member in charge of that that it was. The "house advisor" is claiming they never found it there. I do have my copy of the form with date etc. I signed an agreement when I joined in 2016 and nothing since. The fees were not listed by amount in the agreement, but said I'd be responsible for fees listed on the website. I never received a copy the agreement I signed. I've been told if I want to see a copy to go the website. The one that's there is not the same as the one I signed. A lawyer friend told me to email and ask to receive a copy of the agreement I signed to verify what I promised to pay. Here's the reply I received with no mention of the signed copy I requested. "Thanks for asking questions about the remaining balance on your account. When you enroll in [omitted name], you enter a legally binding contract with the chapter to pay all finances. Chapter documents, such as our By-Laws and Financial Obligation statement, are reviewed annually, approved by the chapter, and outline payment procedures. According to the Chapter Bylaws (which were located on GIN for the 2017-2018 school year), here are a few points which outline the requirement to pay fines: Article 6, C.3: A. Unexcused Absences There shall be a fine for an unexcused absence from the following Fraternity events: a. Each event during formal recruitment b. Each day of Recruitment Workshops c. Each day of Recruitment Training School d. Each day of Polish Week e. Pledge Service(s) f. Initiation Service(s) g. Feast of Roses h. International Reunion Day i. Officer Training j. Executive Council Workshop There shall be a fine for an unexcused absence from required chapter events: a. Each informal recruitment activity which has been voted to be a required chapter event. b. Each Major Philanthropy Event c. All other required chapter functions/events voted on by the chapter. Article 6, C.2 "All fines should be paid within one week after notification." Article 3, 8, c&d a. The chapter may levy fines against members or new members. Fines will be placed on the member’s or new member’s OmegaFi account and will be billed according to the OmegaFi terms. b. Specific amounts of fines will be designated on the Financial Obligation Statements given to members and new members annually. I also went ahead and attached a copy of the Financial Obligation statement from the 2017-2018 school year. That will give you the exact break down of the amount you were fined for each event you missed. As a reminder, recruitment is a fine per round. (so $40 multiplied by X amount of rounds). As Claire previously stated, those fines were assessed because you did not submit an Excuse Note and did not attend any formal recruitment events. Lastly, you have accrued $50+ in late fees because you have not paid you account. According to Article 6, C.2, "all fines should be paid within one week after notification," hence why the fees were assessed and why they continue to be assessed. At this point, I recommend you set up a payment plan with Kaylee/Claire on the Finance Team so you can start working towards paying off you account. If you choose not to pay this amount, your account will be sent to collections which will greatly impact your credit for buying a car, house, etc. This is not something the chapter likes doing, so we like to work with all members and past members on a payment plan!" I have had to cancel attendance at other event over the last two years and never had an issue before. Other members who've dropped have said the same thing happened to them after they dropped. One of those girls mentioned getting a lawyer to write a letter to the sorority and the matter was immediately dropped. I am trying not to incur that expense if possible. The CA says they sent a letter last week, but I still have not seen it. Again I was finally able to get their address and the file number. Hoping this gives better detail of what I have so far. And thanks in advance for any help anyone can offer.
  11. Thanks for all your replies. These were penalties for from $40 to $80 for each occurrence of "unexcused absences" from recruitment information sessions for new recruits which occur about every half hour all day during a 4-day weekend of campus recruitment (plus late payment penalties). But I had notified them that I had to be out of town that weekend and this didn't seem to become a problem until I notified them that I was no longer going to be a member and wouldn't be paying next semester's (fall 2018) dues. I have heard from a few other members that this is something that has happened to others after they dropped. I have called the CA back with my Dad on the line and they have given us a name and address. They say a notice has been put in the US mail to me. May I ask for any suggestions of letters or approaches to take this to the next step? It appears to be my word against the President whom I phoned as required to notify them of my absence in advance of the events. Thanks for any help.
  12. Thanks so much for your reply and I'll read up on that. I'm in OH.
  13. Hi, I'm a college student funding my own education through loans and have been looking around the forum for some time with my Dad's account and he suggested I get my own account to ask about where to start with this problem. Shortly after dropping out a sorority they sent me a bill for $2418.00 for what they described as fees for not showing up for events during a weekend last year. I was attending a family funeral out of town and had notified the President of that before leaving. I disputed the fees in writing, but instead of answering my letters a CA is now calling. The CA has not sent anything in writing and refuses to give me their address. What is my next step if any?

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