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getting a paid bill off your credit - t-mobile is dead to me

preslove

preslove

Lifer
So, I just got a call from a collections company today about the final bill of my T-Mobile contract. I looked it up in my bank records and I paid it in November of last year. I hung up on the asshole, because I was at work and he wouldn't accept that I paid it, and I didn't remember when exactly I paid it. I've never had to deal with this before. Do I contact t-mobile?
 
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Not an expert in collections, but you might be effed. If the collector is calling you it means TMobile sold your debt to them, you don't owe anything to TMobile anymore, you owe collection agency now. You might get lucky if you send proof of paid bill to the collector and he is decent enough to accept that proof and to stop harassing you, but there is a good chance that even if he does accept your proof the agency might sell your debt to another collection agency putting you in the spotlight again. I would suggest finding all records that show you paid that last bill whatever they may be, bank statements, checks, credit card bills and saving those in a safe box. There is a good chance you will have to use those more than once in the future.
 
preslove said:
So, I just got a call from a collections company today about the final bill of my T-Mobile contract. I looked it up in my bank records and I paid it in November of last year. I hung up on the asshole, because I was at work and he wouldn't accept that I paid it, and I didn't remember when exactly I paid it. I've never had to deal with this before. Do I contact t-mobile?
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Yes, your first call should be to T-Mobile to get documentation that you don't owe a balance. Then run a free credit report and dispute the neg on your report.

The collections agencies are worthless to actually get resolution. They are below pond scum.
 
Contact T-Mobile and see what they do, but absolutely do not think it's resolved if they say "yeah you paid, no need to worry, we'll take care of it" as a bunch of people have had that happen and they didn't actually do anything. If they say they'll take care of it ask how and request them to provide evidence. And yeah check your credit report and dispute it if it's on there.

If T-Mobile gives you the run around then report them to your attorney general and FCC (the latter has actually gotten pretty aggressive about going after the telecoms over this stuff, I've seen quite a few people that have had issues like this that had it resolved quite quickly once they filed a complaint with the FCC).
 
rudeguy said:
Yes, your first call should be to T-Mobile to get documentation that you don't owe a balance. Then run a free credit report and dispute the neg on your report.

The collections agencies are worthless to actually get resolution. They are below pond scum.
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Yes. Same shit happened to me. I closed my T-Mobile account and paid them off. I got a letter from a collections agency saying that I still owed them. I called T-Mobile, the lady pulled up my file and told me my account shows it was all good on their end. She told me to keep my final statement from T-Mobile and keep that collections letter and monitor my credit.
 
tmobile used to be a great company, i was with them for 10 years. last year my signal at my house and general area of my house got worse and worse, i went from a strong 3g to pretty much nothing. Its pretty clear they are moving away from rural areas and just concentrating on the dense urban areas now.

im with Verizon now and i have 4g goodness pretty much every where i go.
 
Do everything you can to get this resolved clearly; and make sure you send letters to all the credit reporting agencies when it's resolved. Even then it's not guaranteed this won't come back.

Personal experience:

In 2009 I moved out of a house, I had ATT DSL, called, cancelled the account, and paid the balance on the account over the phone ($20)

6 months later receive a notice from a collection agency about an unpaid bill (for $20+70 in fees and interest) to ATT. Call ATT, after discussing with a rep, and faxing a copy of the bank statement for it, he agrees it was paid, and ATT's records were wrong, I give him the collection agency number and account number to call and correct it. I further call the collection agency, give them the name/extension of the rep at ATT, the account number to reference, and they assure me they will clear this when they confirm the error with ATT.

6 months later, a different collection agency sends me a notice for an unpaid bill (originally $20 and now up to $130) Unfortunately this was shortly after my ex left me; I had closed the formerly joint account, and she took(stole) a file drawer full of records including my records on this. So with no means of proving that this was paid, I decide to just pay off the collection agency rather than have it end up on my credit report.

Jan 2014, an account is put on my credit report as delinquent for $130, by yet another collection agency. Calling them reveals that *surprise* this is in regards to an unpaid bill from ATT in 2009. Further, my credit score fell from 730 to 650 on the back of this one account, causing me to be denied for a rental property I applied for at the time. Even now after having the issue cleared up via the older receipt, and sending letters to the credit agencies, this account is still listed as a negative on my credit which has only recovered to 690, and is costing me nearly 1/2% in interest on my new mortgage.

Just an anecdotal warning about how slimy collection agencies are, and how long they will continue to harass people even after the account has been paid.
 
OutHouse said:
tmobile used to be a great company, i was with them for 10 years. last year my signal at my house and general area of my house got worse and worse, i went from a strong 3g to pretty much nothing. Its pretty clear they are moving away from rural areas and just concentrating on the dense urban areas now.

im with Verizon now and i have 4g goodness pretty much every where i go.
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Their pricing has been great but their CS has really taken a dive.
 
DesiPower said:
Definitely call T-Mobile, their customer service is awesome, I am sure it will be resolved with just one phone call.
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Nope. They definitely try to be nice, but if there's an issue that isn't in their manual, then you'll be bounced around for ages. I have multiple 45 minute calls just checking to see if I'd been issued a refund
 
Collection agencies can do more damage to you than seems possible. If the amount isn't that much, just pay it and watch your credit reports.
 
DesiPower said:
Definitely call T-Mobile, their customer service is awesome, I am sure it will be resolved with just one phone call.
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They have great CS from my experience. I know when I was with ATT and paid off since I'm postpaid just because you cancel on the 15th and you paid your last bill for last month you may have some days during the current month that need to be paid off.
 
Obsy said:
Nope. They definitely try to be nice, but if there's an issue that isn't in their manual, then you'll be bounced around for ages. I have multiple 45 minute calls just checking to see if I'd been issued a refund
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I had corporate discount, when I changed plans, for two months it was not applied, I realized, called, and within 2 mins it was refunded.

Another time, after change in plan, I was being charged for my texts, it was supposed to be free, again within 2 mins it was resolved.

Another time, I paid off the device, but instead it applied to to bill, only to realize later that it was actually applied to device and bill was overdue, again called them, late fees was removed and everything was resolved within minutes.

So not sure what's happening to you, but I have been their customer for more than 14 years and NEVER had a single issue.
 
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DesiPower said:
I had corporate discount, when I changed plans, for two months it was not applied, I realized, called, and within 2 mins it was refunded.

Another time, after change in plan, I was being charged for my texts, it was supposed to be free, again within 2 mins it was resolved.

Another time, I paid off the device, but instead it applied to to bill, only to realize later that it was actually applied to device and bill was overdue, again called them, late fees was removed and everything was resolved within minutes.

So not sure what's happening to you, but I have been their customer for more than 14 years and NEVER had a single issue.
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Roughly a year ago, I returned a phone and called in to check on the status of my refund. The vast majority of them didn't know how to do this, so they bounced me back and forth between two different departments. My calls over the duration of two weeks lasted 27-50 minutes each because of their useless department transfers. I remember the low of 27 minutes very well because my call was dropped and that pissed me off. None of them (except for the last call) resolved my issue either; they just told me I would get a return call back in 2-3 days, and of course I never got it.

Some issues they'll handle easily, such as bill adjustments and fees. Others? Good luck.
 
Obsy said:
Roughly a year ago, I returned a phone and called in to check on the status of my refund. The vast majority of them didn't know how to do this, so they bounced me back and forth between two different departments. My calls over the duration of two weeks lasted 27-50 minutes each because of their useless department transfers. I remember the low of 27 minutes very well because my call was dropped and that pissed me off. None of them (except for the last call) resolved my issue either; they just told me I would get a return call back in 2-3 days, and of course I never got it.

Some issues they'll handle easily, such as bill adjustments and fees. Others? Good luck.
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Sell the debt owed to you by the collection agency to another collection agency.
 
The funny thing is, there is literally one guy running the entire T-Mobil network.
He is in the process of training another, T-Mobil is scrambling to keep up with the massive increases in their customer base.

Sure there are tons of other T-Mobil employees, but there is one "server" that runs and controls everything...and only one guy actually knows how to use/maintain/program this server. He has to manually load balance and fix every outage, overload, or light fart in the system. If shit goes wrong it can screw the network across the whole country (happened just recently).

I happen to know this one particular wizard. He apologizes to all you customers with crappy and/or reduced service...but he promises T-Mobil is working hard to add new hardware and expand capacity while he tries to keep up on the software. Unfortunately he still needs to eat and drink, crap and sleep...and his home life has been in a rough spot for the past year.

He has developed a disdain for you heavy users though (500+GB/month), and he has a list of all of you. I suggest you let up a bit, before he decides to do something about those names on the list.
 
If you call and get "resolution", ask them to put it in writing to you, since you have been contacted by a collection agency. At that point you can tell the collection caller to stop calling you, and if they want to, take you to court. Also getting it in writing will hopefully help if you have any issues with the credit agencies.
 
Calling is almost totally useless unless you just happen to get pretty lucky with a reasonable rep. When I had to deal with collection scumbags, I dealt with them via written letter delivered by certified mail only and kept copies of all records of payments, recent copies of my credit history, etc. It can take quite a lot of persistence to actually make them do what they are supposed to do. It can be a huge piss off.

Ideally you square this off before it is actually on your credit record, but if it's already being handled by collections agency, you may want to check and see if they haven't already reported it as a bad debt. customer service has gone downhill in a lot of places, not just telecom. sad.
 
EliteRetard said:
The funny thing is, there is literally one guy running the entire T-Mobil network.
He is in the process of training another, T-Mobil is scrambling to keep up with the massive increases in their customer base.

Sure there are tons of other T-Mobil employees, but there is one "server" that runs and controls everything...and only one guy actually knows how to use/maintain/program this server. He has to manually load balance and fix every outage, overload, or light fart in the system. If shit goes wrong it can screw the network across the whole country (happened just recently).

I happen to know this one particular wizard. He apologizes to all you customers with crappy and/or reduced service...but he promises T-Mobil is working hard to add new hardware and expand capacity while he tries to keep up on the software. Unfortunately he still needs to eat and drink, crap and sleep...and his home life has been in a rough spot for the past year.

He has developed a disdain for you heavy users though (500+GB/month), and he has a list of all of you. I suggest you let up a bit, before he decides to do something about those names on the list.
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Hey I pay for my mom to use 3gb and she uses none. Can you hook me with a deal. Good work, I think the tmobile network has been great for me in the last year +
 
I had a similar thing happen to me where I was reported for unpaid service. If you ask, collection agencies are required by law (out here anyway) to show proof of said debt they are trying to collect. They need to provide you with specific documentation

In my case it turned out they were looking for someone else that had a very similar SS# and there were two numbers typed out of sequence which caused it to be reported under my name.
 
Belegost said:
Do everything you can to get this resolved clearly; and make sure you send letters to all the credit reporting agencies when it's resolved. Even then it's not guaranteed this won't come back.

Personal experience:

In 2009 I moved out of a house, I had ATT DSL, called, cancelled the account, and paid the balance on the account over the phone ($20)

6 months later receive a notice from a collection agency about an unpaid bill (for $20+70 in fees and interest) to ATT. Call ATT, after discussing with a rep, and faxing a copy of the bank statement for it, he agrees it was paid, and ATT's records were wrong, I give him the collection agency number and account number to call and correct it. I further call the collection agency, give them the name/extension of the rep at ATT, the account number to reference, and they assure me they will clear this when they confirm the error with ATT.

6 months later, a different collection agency sends me a notice for an unpaid bill (originally $20 and now up to $130) Unfortunately this was shortly after my ex left me; I had closed the formerly joint account, and she took(stole) a file drawer full of records including my records on this. So with no means of proving that this was paid, I decide to just pay off the collection agency rather than have it end up on my credit report.

Jan 2014, an account is put on my credit report as delinquent for $130, by yet another collection agency. Calling them reveals that *surprise* this is in regards to an unpaid bill from ATT in 2009. Further, my credit score fell from 730 to 650 on the back of this one account, causing me to be denied for a rental property I applied for at the time. Even now after having the issue cleared up via the older receipt, and sending letters to the credit agencies, this account is still listed as a negative on my credit which has only recovered to 690, and is costing me nearly 1/2% in interest on my new mortgage.

Just an anecdotal warning about how slimy collection agencies are, and how long they will continue to harass people even after the account has been paid.
Click to expand...

You could probably find a good attorney and sue them especially since you know that that item dropped you down that much and caused you an increase in your interest rate. Or you can use that to scare them, have them remove the negative trade line and make sure they don't resell it.
 
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