PuzzledPink asked:
I am a responsible bill payer, never really had anything like this happen. I get a bill from a Sunrise Credit Services representing t-mobile saying I owe $259.61. I have no recollection of this bill nor was I ever contacted by t-mobile. I have not been a member of t-mobile for about a year or two so I know this is really weird. I get a notice saying I only have 10 days before the debt gets reported to my personal credit report with national credit bureaus. I NEVER RECEIVED PRIOR CORRESPONDENCE to even have been able to request for validation or dispute the debt. I never got a FIRST notice. How do I go about proving I do not owe this? Or, how do I verify that I do actually owe this? I do not have my final t-mobile statement anymore. I’ve paid the final bill plus the early termination fee prior to switching carriers.
Letter: (dated 07/14/09, received 07/19/09)
Our client has asked us to collect this debt. We have tried repeatedly to to so but with no success. (FALSE!!!) Our client has now asked us to report this debt to your personal credit report with a national credit bureau.
I am a responsible bill payer, never really had anything like this happen. I get a bill from a Sunrise Credit Services representing t-mobile saying I owe $259.61. I have no recollection of this bill nor was I ever contacted by t-mobile. I have not been a member of t-mobile for about a year or two so I know this is really weird. I get a notice saying I only have 10 days before the debt gets reported to my personal credit report with national credit bureaus. I NEVER RECEIVED PRIOR CORRESPONDENCE to even have been able to request for validation or dispute the debt. I never got a FIRST notice. How do I go about proving I do not owe this? Or, how do I verify that I do actually owe this? I do not have my final t-mobile statement anymore. I’ve paid the final bill plus the early termination fee prior to switching carriers.
Letter: (dated 07/14/09, received 07/19/09)
Our client has asked us to collect this debt. We have tried repeatedly to to so but with no success. (FALSE!!!) Our client has now asked us to report this debt to your personal credit report with a national credit bureau.
We will be reporting this debt to one or more of the national credit bureaus on or about 07-24-09. The only way this process can be stopped is by your action. You need to pay this amount in full immediately.
Banks, mortgage brokers, credit card companies, auto dealers and all major retailers look to your personal credit profile to make decisions whether to lend you money. You are jeopardizing your basic right to credit.
Your future credit is in your hands now! Don’t take this lightly. Don’t make a mistake that you’ll have to live with in the future. Pay this debt today!
Wilma
#1 by John on October 24, 2010 - 2:22 am
Lauren
Sounds like a scam or a mistake. If you have a receipt showing you paid it may be smart to bring that with you to T-mobile and ask questions for clarification.