PAID. The AT&T wireless CR said she put in a request for my account to be changed to "PAID" instead of Chargeoff. I explanied to her that I began to get bills in the mail for the cell phone, even though I was denied the phone. I told her to check and see that there where no minutes used and that's because I never had the cell phone in the first place. I explained to her the only reason I paid them the $74 dollars was because I was tired of all the damn letters. I had no idea it would affect my credit until I checked my report. I know, I'm a bumbass I wish I would of found this FORUM earlier. Anyways, How long does it usually take for this to be cleared. Thanks Luis
she gave me an account #168____05 that I can call to check the status of the request to clear the chargeoff. She said to call if the problem had not been solved in a timely manner. How long is that? day, week, month? I'm going to call and ask tomorrow, but I just figured someone in hear might know how long this takes.
Also send a follow-up letter to their address for disputing, summarizing your call to the CSR, including the date of call and her name. Send CRRR, to establish that they have been notified that no usable account was ever active. You should also ask for your money back. The nature of this transaction is not that it was PAID, but that it was never completed, and no amount is due.
Good Idea about the letters I thought about asking for my money back, but 1: Probably another hassle for such a small amount. 2: Would'nt it be better for my credit report, if it shows as paid on time? Thanks Luis
At this point what you have is one CSR saying they will "put in a request". The next CSR you talk to may know nothing about your call, and the company may not stand behind anything you think this CSR said. You think you have some agreement to settle on terms you find acceptable based on the nuisance factor, and you are willing to pay money for their failure to deliver what you and they contracted for, just to make the account go away. There is no guarantee your $74.00 buys you this. $74.00 may or may not be a small amount to you, but if you pay it and you still get screwed, it is too much. At least if they return it, they will have had to resolve the issue and agree that no billable service was provided. Otherwise you could be in their system as just having cancelled, and if they are not competant, the account could come to life later. Your payment clouds the issue and makes their erroneous bills appear more valid. It is safer in the long run to call things by their right name, and force the issue in a timely manner, when documentation is still accessible to support what really happened. If they refund your payment, you have documentation proving their agreement to reverse the transaction.
