Newport News
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In I purchased three items from the website of Newport News Catalog. I was going to use the deferred billing (July purchase billed in October) but was emailed that this was not available to ATM card purchases. So the items were billed individually from my bank account plus tax and delivery.
In October, the items were billed again from my bank account, so I called my bank and asked that they not pay the items again and they reversed the charges and investigated it with Newport News.
As I began the process of purchasing my home, I was told that a $92.00 collection account from Newport News Corp. Was on my credit files and had lowered my FICO so much that my interest rate was 9.875 on my 400,000 home. I called Newport News and emailed all my proof that the items had already been paid for, but to no avail. After a year of different collection companies contacting about this $92.00 from Newport News, I decided to just pay the $92.00 and had my bank send a check to the Corp offices of Newport News. After a month of calling and trying to get them to clear the Credit agencies files the $92.00 was refunded to my checking account. I called IC Systems who was also listed on my credit files with Newport News for the $92.00 said that the amount was sent back because they wouldn't accept my payment from a third party (Newport News Corp). The same day the credit was in my account, I had an EFT sent to IC Systems for the $92.00 and followed up until the 6th of September when t cleared my bank.
I called and faxed both Newport News and IC Systems with copies of the payment confirmation. When I asked for a letter of resolution and all three agencies files cleared, I was told if would cost me another $10.00 for a fax, but that they would send a letter of the zero balance.
I believe that these practices of posting collection items multiple times without notifying the consumer by letter or researching the information that the consumer sends proving that the bill is an error on their part is against the fair credit act.
This has literally cost me hundreds of thousands of dollars.
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