Jump to content

How should I attack Collection?


How should I handle this potential credit score dropper?  

1 member has voted

  1. 1. How should I handle this potential credit score dropper?

    • Send out Cease and Desist to the collection company, demand they send it back to OC
      0
    • Demand that the Bank resolve this
      0
    • Email use social media to compel the OC to retrieve this debt from JDB?
      0
    • Both 1 and 3
      1

This poll is closed to new votes

  • Please sign in or register to vote in this poll.
  • Poll closed on 02/26/2020 at 09:00 AM

Recommended Posts

I rented a car in Aug, my CC company paid the charges. In November I receive a credit I assumed it was a miss calculated payment I go on with my life thinking that surely they will correct the mistake of an overpayment, fast forward mid December I receive a notice from the car rental asking me to pay for services, I assumed it was late incoming toll charges, the amount was small not the cost of the rental. 

 

There are a lot of useless excuses why I didn't act before now, one being I was disgusted with yet another bill (I should have paid).  The letter came last week cutting me off as a rental car user with debt sent to a JDB.  I'm sinking bad.  

 

I called both OC(car rental company) and Bank( credit card company) both on the line at the same time, I asked them what happened bank said OC just sent a refund they don't know why and the OC said only the customer or the bank can request a refund.  Bank said I called on Nov 22nd and requested a refund that happened on Nov 18th.  OC said the bank said I requested a refund on Nov 7th.  The bank has no record of me calling until Nov 29th about an unrelated issue.  I asked for supervisors from both OC and Bank and requested an audit of what took place, recorded phone calls and all.

 

My card was not over the limit so I don't know what happened but now I'm in a jam I can't take a hit from a new collection on my credit especially from something I never requested. Additionally, consumers have 60 days to dispute a transaction I believe my 60 days would have passed. I will PIF the OC but I can't pay the JDB, the bank can pay them I won't.

 

So, I am sure there is a loophole to have this situation reversed and resolved. Need some advice of how to move.

Link to post
Share on other sites

I don't think you need to freak out. It's unlikely it was actually sold to a JDB. It may even just be an internal collection division requesting payment. I'm not sure there was any reason for the 3 way call and requesting an audit. Seems like a waste of everyone's time. Just pay the car rental company and move on. You can certainly send the CA the letter from my sticky thread if there is an actual CA

Link to post
Share on other sites

This is definitely something that needs to be resolved given the consolidation in the car rental business.  You do NOT want to be in a position to where you cannot rent a vehicle.  And yes, unwinding that sort of thing CAN take a while once they have made the internal notations of do-not-rent...I went through that with Enterprise/National several years ago (damage claimed but never notified, only learned about it when dealership tried to put me in the in-house Enterprise vehicle and got told no- situation worked out but it took a few weeks). 

 

Social media will not likely get anywhere with car rental entities...in the early days of social media, the teams could get better results than a letter.  Those days have generally become a faint memory.

 

Concur that this is not something that has been sold.  However, the language in the letter will make clear whether this is placement paper or purchased paper.  Bottom line is that you NEED to make this right with the rental company.  You rented their car and they are certainly due funds for the service. 

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Similar Content

    • By CandiedCredit
      I sent a validation letter to a CA, and I gave a copy of my ID and copy of my social. Rookie mistake  I know  
      My question is how bad of a mistake was this? What can I expect as an outcome? I hope I this doesnt bite me in the butt. Any help would be greatly appreciated. 
    • By CandiedCredit
      Hi everyone, I am a bit confused about a letter I have received from Wells Fargo. It is an old auto loan that was charged off in 2018 (repo).  I have only removed addresses and frozen lexisnexis,innovis, etc at this point. I received a letter from WF stating that due to the age of my account they are cancelling the balance, and will no longer attempt to collect. This seems strange to me that they would voluntarily cancel a debt before I've disputed anything. What should I do if anything regarding this letter. I'm hoping the credit Gods are just dropping a blessing down on me  
    • By Abaliyah1
      Hello ,
      I am in debt about 80k i was offered a debt relief program but iam skepitcal...
      Can i call and negotiate myself the small debt then the big ones ??
      Please help 
    • By NewlySeperate
      I’m newly separated and I’m trying to re-establish my credit and financial independence.  There are 4 collections on my credit report that my husband was responsible for when we were together in 2020.  We both had extensive blood work done by a lab of which he was paying. We separated and he has not been paying so it went to collections and showed up on my report. 
       
      I just disputed them online a few days ago and am waiting to see if they are removed. It has my name and not his. Is it even conceivable they will be deleted?  My score is in the 500 range right now. I don’t have much credit but want to repair and build.
    • By c0moneyman
      Wassup y’all, I went through a rough patch in my life when I was 18 and overcharged the freak out of a kohls charge card and it went into collections. I paid it off and now i’m thinking🤔, how can i get that removed off my report since i paid it off. I know i should’ve tried to write a letter to them saying if i pay it off they’ll knock it off my credit but i wasn’t thinking back then. Is it to late to contact them and ask to get it removed if possible? Im not tryna wait 7 years i’m trying to get a house next year y’all.



  • Member Statistics

    • Total Members
      182,709
    • Most Online
      2,046

    Newest Member
    DJUANCLAY
    Joined
×
×
  • Create New...

Important Information

Guidelines