I cant believe someone actually read my comment.. i am super impressed.
thanks whomever you are, , much appreciated.
I bought my mom a leather lazy boy chair for her BD in 2003.
I gave them my CC but the sales person said, , WHY not take advantage of our 90 day interest free credit?? I said, , what the heck, , i can keep the money a bit longer and signed up for it.
I got nervous getting the 2 monthly statements from GE Credit and paid the bill in full after the 2nd statement, , 60 days later.
All went well from 2003 to 2008. Mom loved her birthday chair, , life was good.
Then in 2008 on July 8th, I get a call from an attorney from Neuheisel Law Firm in Arizona threatening me to pay or else. I couldnt imagine what he was speaking about??
I said GE credit??? i havent charged there ever.. Then he said Bassett Furniture in Fl.
I said I am sure I paid it.. He said NO, YOU DIDNT pay it.. AND if you dont pay NOW, I will ruin your credit and take you to court. WOW.. interest was now +$200 added to the $418.00 chair.
I sent them all the data needed to substantiate the bill. Copy of the bill of sale of the chair, the signed agreement with GE and a copy from Wachovia of the paid check.
I called them every 2 months for an update after they received my docs and they said, , its in process.
Then, they contacted all the credit bureaus and my FICO goes from 820 to 740. I was stunned that this charge back appreared after I cleared this mess up.
I sent 3 certified letters with supporting docs to the major bureaus and just heard from Experian and they stated "Upon careful review of your information, we determined that wer are not able to use it".
I have had over 800 FICO scores for most of my adult life, , paid every bill... Does anyone really think I am going to ruin it all for $418?????
OMG, , this is frustrating. I called GE several times only to be connected to customer service in India and they say, , Youre account has been sold WE cannot help you.
Its hard when you have done the right thing, , paid your debt early but because of some internal error get screwed. I just wish I knew a number at GE Money bank of a manager and could have 5 minutes of their time to clear this up.
Thanks a bunch for your ear !!!
Don in Florida