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cinnamngrl

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About cinnamngrl

  • Birthday 09/21/1965

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    http://www.cinnamonday.com
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    Boston
  1. cinnamngrl

    original creditor vs collection agency- Comcast Xfinity

    I believe it was only assigned but the only reply to my request for validation was immediate closing Sent from my iPad using Tapatalk
  2. I had an account with Comcast that closed. They referred the account to collections for $109. I was frustrated and disputed it for several reasons. I sent the validation letter to the CA, a dispute letter to Comcast and filed a complaint with MA dept of Telecommunication and Cable. The CA immediately closed the account and notified me by mail. A comcast rep called me. She acknowledged the dispute and sent me about 6 statements. (I asked for 24, as I didn't have access to my account anymore). A Mass TAC specialist contacted me. She was great because she was honest with me. I disputed the regional sports fee, and 2nd DVR fee(never used 2) and subsequent late fees. She promised to make inquiries about my complaints. 2nd CA sent a letter. I sent a validation letter I filed a complaint with CFPB The Mass TAC suggested that i file a complaint with the FCC concerning negative option billing about the regional sports fees. I file a complaint with FCC 2nd Comcast Rep contacted me. He left messages and emailed but I could never get him on the phone. 2nd Collection agency closed account and sent me a notice. CFPB notified me that Xfinity/Comcast refused to mediate the dispute with them. Comcast sent me an automated notice of account credit. They refunded the DVR rental fee. This was enough to cover the outstanding bill and return about 40 dollars. FCC sent a notice that Comcast had responded and they were closing the case. I was supposed to receive a copy and I still haven't. The MA TAC contacted me and said that along with the DVR fee, she had found about $13 worth of late fees that been charged earlier than proper. She had requested refund. Is it legal for the original creditor to assign a case to collection agency while the case is being disputed?
  3. cinnamngrl

    Collections Under $50

    Did Stellar send you a dunning letter?
  4. cinnamngrl

    Giving CRAs 30 days vs 45 days to respond:

    It does matter if those 15 days are important to you. Sent from my iPad using Tapatalk
  5. cinnamngrl

    Threatened with court.

    Georgia Sent from my SGH-T399N using Tapatalk The statute of limitations in Georgia is 4 years. They cant sue you. Send a dv letter Sent from my SM-G860P using Tapatalk
  6. cinnamngrl

    Verizon Help! - A little off credit topic

    I am surprised Sent from my iPad using Tapatalk
  7. cinnamngrl

    Threatened with court.

    What state? Sent from my iPad using Tapatalk
  8. cinnamngrl

    HELP! A new derog showed up yesterday.

    The statute of limitation for phone account is two years by federal law. So when was the last payment made? Sent from my SM-G860P using Tapatalk
  9. cinnamngrl

    Giving CRAs 30 days vs 45 days to respond:

    Since they just give you your free report I think that they will assume that they get the 45 day deadline. The other thing to do to avoid extending the amount of time they have to investigate is sending a second letter to hurry them up. If they receive more communication from you while the period of time is going on they will automatically extend the investigation.
  10. cinnamngrl

    CRA Addresses updated

    The correct mailing address for the credit reporting agency's is listed on your credit report. I would always suggest starting with your free yearly report from all three agencies.
  11. cinnamngrl

    Verizon Help! - A little off credit topic

    I would also file a complaint with the state attorney general and the federal consumer federal protection bureau
  12. I think it must of come from public court records. That would be a pretty standard search for landlords. There are background check services that will sell it. Sent from my iPad using Tapatalk
  13. cinnamngrl

    TCPA

    bump Sent from my iPad using Tapatalk
  14. if you check out OP, this question is pretty consistent. lot's of people on here that don't know "the basics" as you put it. Sent from my iPad using Tapatalk
  15. its hard to get section 8, a lot of waiting. I guess it was a shock. maybe it seems t weird that people that need rent assistance, are expected to never have had trouble paying the rent. but i don't understand why you would ask, as everyone here has debt in common its a given. your tone seems judgmental. why should anyone try to fix their credit if they deserve it, they should just wait 7 years. Sent from my iPad using Tapatalk

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