late payments ruined my credits

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Complaint

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marcel
Country: United States
i have been version wireless customer for more than 4 years. i paid my bill in time and never been late, not even one time. my last payments for $99 has been sent to my old address and i did not receive it when i moved to a new address. it went to collection, i never received any statement either from version or the collection company, until  i got my credits scores when i applied for a loan. so basically i found out about it through my credits report compagny . i went ahead and paid  the amount. i disputed that with them. it shows as negative account on my credit report. but version was really rude to me. they told me that they will not remove it does not  matter what i do.

what should i do? do i need to hire a lawyer? my credits are ruined because of one late payments?

Comments

  • 0
    tj
    If you notified them of your new address, sufficiently ahead of their next statement mailing, then they were obligated to send that statement to your new address.

    FCBA requires it for credit card billing.  FCC regs might require it for telecom billing.

    That is the legal/moral lever to press on, in contacting Verizon.  Get Verizon to correct the reporting of the late payment, as due to their error.

    Actual credit reporting is probably by their outsourced collection agency, AFNI.  Get Verizon to agree, then you dispute AFNI's posting.  If AFNI fails to correct, then you can sue them for erroneous reporting.  It's ultimately Verizon's decision whether it's late, and it must be late by 30 or more days (from when Verizon or their agent finally did bill you) for it to be "late" for credit reporting purposes, since the CRAs only show late payments un multiples of 30 days..
  • 0
    marcel
    | 2 replies
    i contacted AFNI,  they have told me that it is against their compagny ethical, and there is no negotation whether the bill is paid or not. and verision said the same thing. i dont understand, how can verizion could do something  like that, they have told me that one late payment was correctless, and they will not do anything about it. how can i correct this  what action do i need to take? i already filed a complaint with BBB.
    • 0
      tj replies to marcel
      | 1 reply
      That is why you get representation by an attorney.

      They will both always tell consumers a load of BS, but if you point a "gun" at their heads, their "ethics" is more flexible.  They are both a bunch of BSers, AFNI in particular.  It is easily within Verizon's discretion to correct billing errors including for erroneous "late fees", and their executive offices does it all the time.  You just have to make them want to do so, as the easiest way to avoid a headache.  To do that, they have to be staring at that headache.

      If Verizon failed to send your statement to your new address, which you had notified them of in sufficient time for them to use it, then that is your lever to raise the possibility that their statement might have been sent in violation of federal law, and that this "late payment" is therefore "erroneous".

      Talk to a consumer attorney.
      Try www.naca.net
      • 0
        tj replies to tj
        It's even more credible if your attorney is one known for filing class action lawsuits.
        With many consumer attorneys, the little stuff is their bread and butter, but the possibility of class actions is what makes it all worth while.

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