About 3 years ago we had verizon cellular service - 2 phone lines. My husband had come down with an incurable disease and we got behind on bills and had to file bankruptcy - at the time Verison had turned us into collection and it was not filed on our Chapter 13 we ran the account through a comsumer credit agency - wechose not to include it in the Ch. 13 because of fear when things were better we would not be able to get a provider. We made 25.00 a month payments through the credit agency 1st. To E R Solutions out of Washington we gave them the sum of 200.00 the to NCO Financial System in PA.
The CCMS initially relised there was an error in money received when the account was moved. I called ER Solutions requested a statement refelcting money received. They refused. I at that point wrote the attorney generals office and the response back was not much better so I sent more documetation at a later date and requested addtional information through the attorney general again. What I received back this time was a letter from ER Solutions stating that 200.00 had been received and forwarded to Verizon.
I called Verizon they have no record of recieving the funds - in talking to them I also discovered that NCO had not recorded the correct amount of payments that had been made and the account is reflecting that I still owe about 500.00 (includes actual usage and early termination fees per line) I had advised verizon at that time I had a letter from ER Solutions admitting that they had received 200.00 in payments -verizon refused that as proof of payment. They want copies of each 25.00 check front and back faxed to their office for them to research. Then the rep. Tells me they have it on file that we filed CH 13 which at that point I said fine if you want to recorded as such where is the 795.83 I have sent in to various collection agencies. They could not tell me where the funds were nor could they explain to me why it is just now being reported to the credit bureaus (3 plus years after the fact) as deliquent instead of a ch 13 as they have on file. Amazingly enough no one knows where the money is.
SO at this juncture CCMS will not fax the copies of the checks because each collection agency has records of payments made which they refuse to provide. But I can come get what records they have and dispute with the credit reporting agencies as well as the 2 collection agencies and verizon. Some where in all this mess I did get a letter from Verizon telling me if I paid so much to them by a certain date they would remove the rest of the amount owed. Which I did not do.
So much for trying to do the right thing! What I was trying to avoid is happening anyways because of the reports to the credit agencies there is not cellular company out there that will provide service with out a huge deposit of 1000.00 or more.
Try as I might I can't seem to get this issue resolved. As for the service prior to the financial issues I thought they were a great company - great product - great service. But the collection agencies they use represent them and they will not attempt to assist with this issue so much for always being there for you.
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