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DrayaF

1 Contribution
0 People Helped
Bank reported my paid charge off..twice!
I know other people have had questions regarding credit collection agencies and the original creditor, but my problem is that the original creditor reported twice.


I had a bank credit card (which I closed and paid in 2009. No. I don't have the receipt from paying it.
... Basically, They over charged me and i paid $275 of the $300 ( less the $25 late fee that they "waved"). Well..... Instead of the bank closing it as i asked, they kept it open...kept charging me late fees up until $550! Then charged it off.

It even says in the notes here "account closed by consumer, paid, charge off"

Sick of arging with them about that but my problem is they reported it FIRST in 2009.then they reported ut AGAIN in march of 2015!

Is there anything i can do about this? I've tried goung through the banks customer service and credit department and they say they dont even see it reported.

Any advice would be appreciated.

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7 Contributions
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Duplicate Reporting

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DrayaF, 

I'm so sorry to hear about this! What a crummy situation. I had a situation once that was similar. The company didn't cancel my account and then charged me and sent it to collections. My advice is to write a letter clearly explaining the situation. Write it in such a way that a 12 year old would understand (you don't want them to be confused). In it state that you demand the account be updated to represent your agreement with the bank, and if not, you demand it be completely removed. Send the letter certified + return receipt the credit bureaus and they will give a copy to the bank. Include any documentation you can find, even an old bank statement that shows the charge on there. Once you get the results of the investigation, if they didn't remove it or update it you should send another letter requesting their "method of verification". If nothing more is resolved, you can file a complaint with the Consumer Finance Protection Bureau. 

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