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TJX / T.J. Maxx / never received credit card nor bill and 3 years later now have poor credit rating

1 1212 Laurel Street, 1304, 1304Nashville, AR, United States Review updated:

December 7, 2018

Re: TJ Maxx Synchrony Bank Account Number XXX...9407

To Whom It May Concern:

I am writing to express my dismay in how the TJX organization has inappropriately caused havoc with my credit rating. Apparently in the spring of 2016, I opened a TJ Maxx credit card to purchase approximately 100 dollars of pillows from a Nashville TN store. I never received the credit card nor did I ever receive a bill. Over 18 months later, I received a bill for nearly 300 dollars from a collection agency. I spent over one hour speaking to TJ Maxx customer services. I was badgered on the call repeatedly telling me it was my fault and there is nothing they would do. Interestingly, I have never had such an incident in my life and pay the ENTIRE debt on ALL credit cards monthly. I also repeatedly stated to the TJ Maxx customer service supervisor that I never received a card nor bill, so how would I ever know that I owed anything. I then called the collection agency who advised me to officially appeal through them and not settle at that time, which I did. There were no further correspondences until August of this year when another collection agency, Portfolio Recovery Associates, sent me a larger bill. We mutually decided on a settlement of $246.41 so that I may have the case closed. Enclosed attachments will provide evidence of this transaction. Unfortunately, in this entire process, TJX has reported this incident to all three credit reporting agencies, Trans Union, Equifax and Experian. As this was TJX's initial error (and I still settled at an amount much higher than my initial purchase over three months ago), I must insist that TJX should remove their report from these three credit agencies effective immediately.

Sincerely yours,

Lisa A Kachnic, MD, FASTRO
Chair and Professor
Department of Radiation Oncology
Vanderbilt University Medical Center

Dec 11, 2018
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  • Ph
      11th of Dec, 2018
    0 Votes

    In those 18 months it didn't occur to you to call TJ Maxx and inquire about your bill? You need to take some responsibility in this.

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