December 17th, 2008

When in doubt > Taylor

too late?

Hello all. I could use some feed back on communicating with SunTrust Bank. I have some contact information but I could use your help on which of the facts to use. Let me explain the situation:

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This ended up going to collections, and prevents me from having a savings account at any bank. I don't even know how I got a checking account, but I'll keep my mouth shut and be grateful on that one. (I guess I should be grateful my credit report only shows about $400 in debt, since my sister long since passed $500,000 in debt)

I would like to get this off my credit report though. Although I would've liked to have them listen to me and not let T-mobile take this money, I'm hoping that my new job will allow me to just pay it off in full in 2009 if I can't otherwise remove it from my name.

So here are my questions:

- Is it too late to file a complaint against the guy? This happened in about September-October 2007.
- How much of the T-Mobile background should I include in a letter to SunTrust?
- Is there a way I can get the debt wiped from my credit report, and have SunTrust fight T-Mobile for the money back? Or is that wishful thinking, hoping the world will just right it self?

*The T-Mobile short story is, I signed up for plan A. They set me up for B and charged me over $500 in overages. When I called to complain they said there was nothing they could do and wouldn't even put me on the correct plan. After a month of arguing with them I caved and told them I'd pay in pieces. $200 at first, and then the $40/month (or whatever the bills were coming to) plus $20/month until the $500 was paid off. Instead they charged my card for $200 and a few days later charged the balance.