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CA Collection after Full Payment to OC


Sweetheart
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The last post in this topic was posted 2340 days ago. 

 

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Payment for medical equipment: My insurance company and the provider told me different amounts that I owed and I could not afford the higher amount. So as soon as I got the money together, I called the OC to pay it. They accepted my payment, sent me a receipt and told me they would notify the CA that the debt was paid. Two days later, the CA placed the collection account on my CR. I wrote letters to the execs of both the OC and CA, asking for a good will removal of the entry since I paid it before it was posted. I did not even have the chance to negotiate a PFD. To me it looks like the OC told the CA I paid it, and they posted the collection out of retaliation or spite.

 

Should I also dispute with the CRAs just to be on the safe side? Right now, it is listed incorrectly. I don't owe the money anymore and their balance is off by a few cents (to be picky), so I could say the posting is inaccurate. Once the dispute is noted, the CA would probably just correct it to paid collection and forget about it. Worst case scenario is that I wait for it to drop off. I do have a BK7 that will be on my report for another several years, but I had worked so hard to avoid any lates and this collection was put on after I was clearly trying to work something out. Now this happens! Any advice greatly appreciated! TIA.

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Most CAs only make dumps to the big three once a week, or even once a month. I find it highly unlikely that the CA dumped it this quickly, 'in spite'. More likely they had a batch that your collection was in and it was scheduled to dump when it did - probably sitting in the batch for a week or two.

Edited by ubercat
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Update: In the mail yesterday, I received a $0 balance statement from CA, with a letter saying they also sent it to the CRAs and requested that they remove the collection entry from my reports. I am cautiously optimistic that since they put it in writing, that they will probably remove it but I won't truly believe it until I see it! :grin:

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