Hello from a fairly newbie...I'm working on some 120+/chargeoffs that are totally bogus -- apparently Citibank took over Associates National Bank which previously had my Texaco and Amoco accounts. I'm sure somewhere in there, when Texaco and Amoco became part of British Petroleum, lots of things got lost in the shuffle, including the fact that my Texaco account was paid to a zero balance (actually, CCCS overpaid and I got a $4.00 refund on the credit balance)...they verified that today by phone. I'm sure if I dispute it with the CBs, there has been so much happening with bank mergers and oil company mergers, this will automatically come off. I just wondered if anyone else had this problem with these characters...having a 120+/chargeoff is pretty bad!! Hoping they are all dizzy and confused from all the changes in the past year is making it good... Thanks, Wantsa.
Sorry, I assumed when you saw 120 you would assume "days," not chargeoffs...but I assumed wrong Next time I'll be more specific! My score is in the mid 5s...but should rise quickly once I get some of this !@#$% off that doesn't belong. I just wondered if anyone had worked with Texaco/Amoco/BP/Citibank/ANB on a similar situation. Thanks, Wantsa.
Yeah, I had a bogus Texaco chargeoff too. On mine, they assumed I'd moved because a statement had been returned as undeliverable for some unknown reason. So they sent my account to collections for some leftover finance charge (so small that I didn't even know I owed anything) without bothering to try to contact me. When i called, they originally said it was accurate as reported. I kept calling til I got someone who would listen -- finally sent a letter to Texaco telling them what I'd been told, and they removed it within 3-4 days, no problem. They were actually pretty decent to work with. Just keep calling and don't take no for an answer.
