So I'll keep it brief.
I used Spectrum for internet services like, 2-3 years ago. I never missed a payment (I've never missed a payment on literally anything), and when I moved, I turned in all of my hardware at the nearest Spectrum store (It was all perfectly working and in good condition), paid my remaining balance, and moved on.
Then, nearly a year later, I start getting calls and letters from collections, claiming I owe Spectrum $88. Now, I KNOW I do not owe them money as I made sure I was all paid up at the time of drop off. Eventually, they hit my credit with a collection notice. I disputed it on all 3 credit agencies, and it was prompty removed from my credit report on all 3. Two of them removed it instantly on my dispute, and one took a few weeks before removing it.
I am getting more letters, claiming I still owe it, and that if I don't pay by next month, they are gonna hit my credit score again.
To me, $88 is not much. I make a good living and could afford it. It's more about the fact that I do not want to give in, and pay a moderate sum of money for something I genuinely do not owe. And if I DID owe it, I should have been made aware of it at the time of dropping off my equipment (I DID pay them what they said I DID owe at that time as well.)
ALSO, I received ZERO notice from Spectrum prior to it going to collections a year later. No letters, no phone calls, nothing. My first notice was the initial hit on my credit report, followed by tons of phone calls and letters.
I guess my main question is, if they DO try to stick it to my credit report a second time, do you guys think it will be just as simple as disputing it like the first time?
And ultimately, is there anything else I can do? I definitely don't want to pay it, but like I said, it's not really much money to me.
Thank you for the help.
Edit: My most recent letter claims it is $80.88 in service charges. I cancelled my service and was told I had paid everything off at time of drop off. It does not specify for what month of service or anything else. What it DOES say is that if I do not dispute it in writing, the debt collector will assume this debt is 'valid'. Not sure if that has any legality to it or not. I have not sent a letter since 2nd grade, and would prefer not to have to do that only to be met with 'we did an internal investigation and yep, it's still valid.'
Submitted October 14, 2021 at 09:44AM by PaulCampbell7 https://ift.tt/3oZCVk3
