These center around my recent credit report struggles, but stem from bad service.
I know that I've mentioned these before in comments as responses to other people's posts, but I don't think I've made my own post about them. (I apologize if you've already heard me gripe about them though.) I'll try to be brief about these.T-Mobile
: I was on a college internshp out of state, and cut off from the parents. In searching for a new cell phone plan a girl at work had TM and loved it, so she put me on the internet, we picked out a phone and a plan, entered my cc info, and waited for the phone to arrive. ( Collapse )
tl;dr: TM charges me for overages that should've been included in the account; reps won't help (most aren't even nice about it, even got one that's got a very 'neenerneener' attitude), they charge my card just two weeks after I made an obligated payment (when it was supposed to be a month later) and overdraws my bank account. QWEST/DirectTv
: Since graduating high school, the deal with my parents always was that I wouldn't get a "real" job while in school, I'd work for them to make spending cash. I had done enough during one summer that my dad decided to help pay for my internet/tv bills the following fall. My mom (who does the books at their house) decided the easiest way to do that was for me to set up an account and put my mom on it. ( Collapse )
tl;dr: Qwest cancels our service, accepts our payment of late fees/last month, and still filed it as unpaid
Another suck on this, related to my credit: There are two different collections agencies asking me for $125 each. Both are representing the Qwest/DirectTv bill (that we already paid), and both are asking for the full amount. This can't be legal, can it?
I've heard stories (even posts here) of credit companies harrassing someone for a debt owed (which isn't cool), but if I hadn't been checking my credit report paranoid-iously I wouldn't have known these had showed up there. No one has bothered to drop a note to my mailbox or call me even once to say "You owe this, how are you going to pay?" Not that I'm by any means asking them to harass me over these debts, but if I have no choice but to pay them, couldn't they give me the option too? I've googled the sites and I think I have corect contact information and I plan to write a letter this week asking how to go about it. But how does one expect to get paid if they don't ask for payment or provide a way to get paid? I'm doing what I can, I just am baffled that they haven't even communicated to me once over these.