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By Why Chat
https://www.npr.org/sections/health-shots/2020/12/22/949047358/congress-acts-to-spare-consumers-from-costly-surprise-medical-bills
Starting in 2022, when the law goes into effect, consumers won't get balance bills when they seek emergency care, when they are transported by an air ambulance, or when they receive nonemergency care at an in-network hospital but are unknowingly treated by an out-of-network physician or laboratory.
Patients will pay only the deductibles and copayment amounts that they would under the in-network terms of their insurance plans.
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By Hi-Tech
I am in really bad need of some advice on what to do with two accounts showing up on all 3 credit reports. I realize I made a mistake and somehow I need to fix it but I don’t think I deserve what this place is doing. The two accounts are duplicate accounts and are the same credit card account, but it is not showing that way according to all 3 credit report agencies.
In 2019, I was going to be away for 3 months for some important medical treatments and I knew that I would not be able to take care of my payments during this time, so I set up automatic payments from inside my checking account and paid them their payments that way. I had always made my payments on time so I was surprised when they closed my account. My bank said that the payments should have been delivered by the due date, but Merrick Bank said that they were late by two days all three months. So they charged me a late charge of $39, three months in a row and then closed my account by the time I could get a hold of them.
Once the account closed, they turned it into a collection agency right away. But now on all three credit reports, it is listed from the credit card company as well as the collection agency and makes it look like I owe $2444 between the two. The card was not maxed out and they inflated the balance big time.
What’s worse, is the collection agency somehow updates it as a late payment every month and I get an alert from my credit monitoring website saying that I have a new late payment. The collection agency is also listed as 12 charge-offs.
I realize that what is done is done and there’s not much I can do about it. I am planning on paying this off in the next 6-12 months, but in the meantime, I do not think it’s fair that it is listed in duplicate and that the collection agency continues to update it as late every month. It is hurting my credit score considerably because it is renewed as a new late payment every month, as well as two separate accounts.
Are they allowed to do this or should it just be listed as one account instead of having it on there in duplication? Can anyone please tell me how I can possibly go about fixing it so that only one account is listed on my report correctly? It seems like something like this should be illegal or be against FCRA rules. I am also surprised that they are able to list it as 12 charge-offs! Unbelievable.
Merrick Bank listed me for a bunch of late payments in 2019, but stopped then. CWS/CW NEXUS has continued to list me as late every month and just listed a new late payment for August 2020.
The info from the accounts is copied below. The first one is the credit card company, Merrick Bank. The second one is the collection agency, CWS/CW NEXUS. Merrick Bank will not talk to me whatsoever on the phone and will transfer me to the CWS/CW NEXUS if I get through to a live person. The collection agency called me once in the beginning, and the representative was as surprised as I was and I have never received any more calls from them since.
My credit is otherwise very good and I have around 20 accounts all reporting good payment history except for this company reporting every month as late with 12 charge-offs. I apologize in advance for the long read, but I wanted to make sure I had the correct information in the post. Thanks for any help!
Credit Card Company:
MERRICK BANK CORP $1,262
Closed
1 charge-off
Account Info
Account status Closed
Date opened Jun 02, 2015
Account type Credit Card - Revolving Terms
Balance on Jul 31, 2019 $1,262
Credit Limit $950
Payment Info
Status Charge-off
Status date Jul 2019
Past due amount $427
Highest balance -
Monthly payment -
Collection Agency:
CWS/CW NEXUS $1,182
Closed
12 charge-offs
Account Info
Account status Closed
Date opened Jun 02, 2015
Account type Credit Card - Revolving Terms
Balance on Aug 01, 2020 $1,182
Credit Limit $950
Payment Info
Status Charge-off
Status date Aug 2019
Past due amount $1,182
Balance on Aug 01, 2020 $1,182
Credit Limit $950
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By Menta33
My son got a CLI request denial from NFCU after pulling EQ, the reason given:
You've reached Navy Federal's maximum unsecured credit limit.
He has a Visa at $20K, for which he requested the CLI, and a NavChek overdraft LOC account at $3K. He is also an AU on my card at $80K.
Does NFCU include AU accounts when deciding the maximum unsecured credit limit? If so, do I just need to remove him as AU and have him ask for reconsideration? If approved, if he is subsequently re-added as AU, will they take adverse action? Has anyone else seen this in action before? If so, what was your experience?
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By dawils
I signed up with a trainer (foolishly from a google search) for some sessions and he used Square, swiping my credit card. I didn't know him and figured it was safer than cash.
Paid him for 10 sessions I signed up for another round $1200. I checked my CC statement and saw he charged me $1200 twice. I figured it was just an oversight and when I asked him to fix it, he apologized and said he would fix it. Instead he charged me an additional $1200 AGAIN for a total of $2400 unauthorized charges. When I called unhappy after it was not fixed the second time , but made worse, instead of refunding immediately, he got very defensive, says he never got it, it was a problem w Square and to dispute it. His story changed multiple times, so I don't believe him, but disputed it. ("you'll have the money in 3 days" then, no "it's easier if you dispute it".etc) It was around Christmas, so I think he figured he'd hit my card because he needed $ and would repay it later and apologize.
The CC company gave me an immediate provisional credit of $2400 and say they will have a decision in 90 days after investigating. CC company sent me a letter saying the are requesting info from the vendor, (him) if it's a legitimate charge. I assume Square can track exactly where the money went. Like did square deposit the money to his bank or not. Does anyone know what happens it a situation where the vendor actually tells you to dispute it? I have a hard time believing him, but maybe I am wrong. From what I can tell, Square is reliable and not prone to accidental overcharges. I just want the $2400 back and have moved on. Thank you for any guidance.
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