account returned to OC (original Creditor)???
I have never had any collections accounts in my life, and just got my first one a few months ago with my bank. I was in overdraft and for some UNKNOWN reason the bank decided to phone me twice about being in overdraft for too long, and getting my voicemail, sent it off to collections instead. I actually went to my bank twice and asked why my account was closed and they didn't have any information on my account at all. I actually offered to pay and fix things right then bu they had given my information away and had NOTHING on my name or file at all, and just told me that I didn't have an account with them anymore and that's all they knew. Then, a few weeks later, I got a call from a collections agency. Well, when I got the collections call for $4500 I was caught off guard and very surprised as well, and fearing that it would be on my report forever, I sent them a DV letter. They didn't verify and it didn't list on my credit report. The debt then went to another agency who only once sent me a letter asking for $2000. I never gotr a phone call from this agency and never bothered calling them. I havent' heard anything from anyone since then. Just checked my transunion report, and it shows an OPEN account under the name of my bank, with a total $4550 balance, installment account, currently standing at 60-89 days late, and required payment of $423 every month which is past due. It's dragged m credit score down SO MUCH!!! What should I do? Call the bank? Dispute the credit agency? Settle? Ask for deletion? It's NOT showing up under collections account. There are no collections listed on my file. Should I pay it so long as they will take off the late payment?
Public Comments
- You have a right to know what the over draft was and for how much. This sounds really funny to me. I wouldn't pay a thing until you get that information. If you send in the first check then you are agreeing to paying the $4500 and it will be near impossible to get out of that amount if you don't truly owe that much.
