After more than 10 years as a T-mobile customer, In December 2014, I left the country for work and I had informed T-mobile of a UPS Store where I had a PO Box they could send my final bill. I knew that I would probably have early termination fees because I had to terminate the contract. However, I never received the final bill as instructed and actually forgot about the early termination fees since I never received a bill. I moved back to the USA in 12/2016 and saw on my credit a $600 charge with a Collection Agency called Southwest Credit Systems. I called them and found out t-mobile had send the account to collection for non-payment.
I spoke with both T-mobile and Southwest Credit Systems around Christmas 2016 and was told by Southwest Credit Systems, that once I paid off the account, in a few days a message would be sent to T-mobile and they would delete it from the 3 credit bureaus. T-mobile understood that although I owed the money, it was not anybody's fault and they would not hold it against me due to the unusual circumstances.
In January 2017, I noticed it had not been removed so I contacted T-mobile. They said that my account was clear but I told them that the Credit Bureaus had not deleted the collection accounts. I was assured in mid-january that it might take up to 2 weeks but by January 31, 2017, it would be deleted. At the same time, I qualified for another T-mobile One account and setup a new account with T-mobile.
Just last week on March 8, 2017, I checked my credit report and the collection accounts were still showing with a Paid Status. As most people know a paid Collection Account affects your credit score as much as an unpaid collection account. I contact Financial Care and they tell me that it is showing up as zero balance and nothing negative. However, I said the issue is with the Collection Account showing up on my credit. At that point, told me the collection agency would have to delete it because the account had been sold to them and that T-mobile no longer has access to the information. I contact the collection agency and explain to them that T-mobile said that they would need to delete it from my credit but they said they can not do that without a letter from T-Mobile. so, I contact T-mobile again and explain that they will delete the Collection Account from the credit bureaus but they need a letter from T-mobile. Financial Care then tells me they can not send a letter to SW Credit Systems but they will resolve it with them if I can get the collection agency to give them a call. However, calling the Collection agency back, they refuse to call T-mobile.
For me, I just want T-mobile to keep there word to a 10 year plus customer and facilitate having the item removed from my credit reports. No matter what the process is, T-mobile needs to keep their word because it is affecting me in getting a mortgage. Instead of a 4.00% mortgage, I would end up with 5.50% which will cost me thousands of dollars in the long run. Either that, or my dream of getting a house is postponed because of the one negative item on my credit score. Below are my grievances:
1. T-mobile never sent me the last bill so I could make the payment from 12/2014
2. The Collection Account was paid in 12/2016 with the understanding from T-mobile that they would make sure the item was deleted from all 3 credit bureaus,
3. The Original Delinquency date is showing 9/2016 although it should have been 1/2015.
4. T-mobile lied to me in January 2017 saying it would be removed from my credit by 1/31/2017.
5. T-mobile is expecting me to facilitate the process of getting Southwest Credit Systems and T-mobile to speak to one another to resolve this. There is a relationship between Southwest Credit Systems and T-mobile and there is somebody in T-mobile that can make one phone call or send one letter or send one e-mail and it will be resolved. It is a lie when Financial Care tells me that that nothing can be done now and that there is not anybody at T-mobile that can resolve this. I am being told now that since I did the right thing and Paid it, nothing can be done. If I had not paid the bill, then they could have done something to assure that it would be deleted upon payment. Very bad logic in my opinion.
I did file a dispute with all 3 credit agencies but Southwest Credit System verified the information as being accurate even though it is not accurate i.e. Date of Original Delinquency.
I did not get anything in writing and that is my fault but I assumed that having a 10 year relationship with T-mobile, I would not have to do that. That was my biggest error.
The way to resolve this issue, is for T-mobile to have Southwest Credit Systems remove the Collection Account from my credit report.
If T-mobile will not resolve this simple item for a 10 year customer that has spent more than 25k with them, then I will be forced to look for cell phone service with AT&T. I will not stop until I can find the right person at T-mobile to resolve this. All I expect is to keep your word and delete the item which is creating serious problems for me.
Thank you for your understanding and help in finding a solution.