My girlfriend has received a notice from a debt collection agency about a charge from 3 years ago!
Here's the story: She had a Verizon wireless account. In 2012, her account was merged with mine. (I have her old account number) We were told her balance would be transferred to my account and I have paid all the bills since then, she has never received a new bill.
All of a sudden, out of the clear blue sky, she gets a notice from a debt collection agency (EOS CCA) stating that she owes $67.29 with a debt collection fee of $12.11. Where the heck did that come from?
I imagine this has a negative impact on her credit rating as well as being an unfair charge.
Today she called the collection agency. They said she had to call Verizon. So she called. The call was a total of 74 minutes.
First she spoke with Steve, a customer service rep (he was nice). Steve sent her to a supervisor named Jason who said there was nothing he could do. He transferred the call to Tonya in financial, who was both unhelpful and mean. She transferred the call to Joan. It turns out Joan works in the credit agency! Good old Tonya just transferred my GF right out of the place!
I guess we will be sending a written demand to the debt collection agency to verify the debt.
I don't know if this is a billing error, or if they failed to transfer her balance to my account or what, but this whole thing stinks!
I hope to hear from big V about whether this charge is valid, why it took 3 years to issue it, how they will fix this with credit rating agencies and what they will do to make up to her the disreputable manner in which she was treated.
Could you call the agency and see if you could take a settlement on it? I know it sucks, but hurting her credit is not worth is. Espcially becouse it is a little amount.
They don’t care how little the amount
Never accept a debt as yours without proof. Currently all you have is coincidence.
IF her number is the same and the account number was transferred to your name, I think they could have found her to collect 3 years ago.
SO let's assume it's an error. Make them prove it. The good thing is, an outside debt collector has little information on the debt.
meanwhile run her credit to see if this has been hanging around since 2012. If so pay it.
if this is a "new" debt on her record, out of nowhere. Deny, deny. No proof it's hers. Dispute the debt and get it removed.
FYI, debts have a statute of limitation. Check your state law to see how long it is. My state is 4 years, which is average.
Off topic...lol....
"FYI, debts have a statute of limitation. Check your state law to see how long it is. My state is 4 years, which is average."
Dose that count for student loans?
You wish? Lol. Aren't they federally guaranteed?
"Aren't they federally guaranteed? " Not sure. They where not getting interest for 6 months have I graduated, but now they keep getting interest.
They are a terrible company for sure
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