Interesting post on another board

phoenix · Dec 11, 2005

If you do agree to delete this TL from the consumers report, then do it! My brother had a collection against himself 2 years ago, asked for deletion if he paid in full, and the collection agency kept it on his report anyways. Only problem was my brother paid with a credit card. It was a 700 dollar collection listed "paid collection." My brother did a chargeback on his credit card 58 days after the transaction (can't do chargebacks on a card after 60 days) because the collection agency didn't delete. The collection agency had already sent the money back to the OC. Unfortunately, minus the fee the collection agency retained, they were out almost 600 dollars.

Last I heard, the collection agency called my brother up several times a day claiming that they lost 600 dollars out of their own pocket resulting from his chargeoff. He told them he lives in Texas and there's nothing they can do. He claims to me that they took the hit on their bank account, can't report the 600 dollar debt because it is seperate from the original debt because the creditor got all the money back, and can do nothing but call and call to try and get the 600 dollars back. He also says the collection agency punishes him on a daily basis by pulling 1 hard inquiry a month, and updating the closed paid account every month to make it seem fresh and recent in the fico score.

He is currently seeking litigation against the CA for non-permissable pulls, malignant intentional damage to his credit report on a monthly basis for the past 17 months. He said something about the collection agency not answering his discovery requests, and they haven't furnished a reason why they pulled once a month. He said he is seeking 1 grand each for the non- permissable pulls and 1 grand for the malignent damage to his credit report from the CA updating once a month.
Click to expand...

Log in / Register

Forums

Interesting post on another board

phoenix Well-Known Member

Today's Featured Deals

Low Interest Rate

Bad Credit

Bad/Limited Credit

Secured Card

Cash Back

Share This Page

Log in / Register

Useful Searches

Interesting post on another board

phoenix Well-Known Member

Today's Featured Deals

Low Interest Rate

Bad Credit

Bad/Limited Credit

Secured Card

Cash Back

Share This Page