What is the name of your state (only U.S. law)? Mass.
After obtaining my credit report, I noticed that my account for Verizon Fios had been sent for collections.
I closed my account sometime in 2014, since I was aware that Verizon Fios pre-bills and takes 90+ days to refund customer over payment I stopped my automatic payments from paying my final bill. Additionally, in January, 2014 I ordered a router for $99, which they were supposed to charge me 3 installments of $33 per month. After a lengthy period of time, I did not receive the router and contacted Verizon. A week later I received two routers. I contacted them again, notified them of the error and returned the second router, being as I only needed and ordered 1. I was subsequently & incorrectly billed for a period of time for 3 routers each at $33/month. I assume 1 for the router I never received, and 2 for the routers that I did receive, and then subsequently returned 1. I did contact Verzion to correct this error but shortly after canceled my account anyways. This was a very quick period, less than a month. Once I canceled my account, it is their policy to lock online access to billing, statements and payments so the only means to obtain that information is now to contact them directly. A month after I received a statement, the only statement from Verizon I have ever received, was one line item with the balance due but no details. Again, I still cannot confirm I received my credit for overbilling. I did contact Verizon after receiving the statement to notify them of this issue (locked account, overbilled routers & waiting to pay once I receive my last statement detailing my credits) and asked for the statement to be MAILED since they had locked my account after deactivation. I made this point VERY clear to their customer service that my account was locked/deactivated and needed a paper statement to be mailed to me. No more than 15 minutes after I hung up the phone, I received an email to log into my deactivated account to access the statement. I have it saved. I have received calls from Verizon and their contractors and made this very clear that I need my statements and I have not received them still.
Now I am trying to buy a house. I am applying for credit and I have been told by the mortgage broker this will be at least .25% tacked onto my interest rate. I have told Verizon and they refuse to budge until its paid. I have refused to pay until I receive documentation. Supposedly, they are in the mail. At this point, I have also disputed with all 3 bureaus. I will more than likely settle on a house and buy with a higher interest rate than I should. If I do buy, can I sue for damages? Anyone will to take on this case? I have researched and I see several related articles and it appears I do have a case.
After obtaining my credit report, I noticed that my account for Verizon Fios had been sent for collections.
I closed my account sometime in 2014, since I was aware that Verizon Fios pre-bills and takes 90+ days to refund customer over payment I stopped my automatic payments from paying my final bill. Additionally, in January, 2014 I ordered a router for $99, which they were supposed to charge me 3 installments of $33 per month. After a lengthy period of time, I did not receive the router and contacted Verizon. A week later I received two routers. I contacted them again, notified them of the error and returned the second router, being as I only needed and ordered 1. I was subsequently & incorrectly billed for a period of time for 3 routers each at $33/month. I assume 1 for the router I never received, and 2 for the routers that I did receive, and then subsequently returned 1. I did contact Verzion to correct this error but shortly after canceled my account anyways. This was a very quick period, less than a month. Once I canceled my account, it is their policy to lock online access to billing, statements and payments so the only means to obtain that information is now to contact them directly. A month after I received a statement, the only statement from Verizon I have ever received, was one line item with the balance due but no details. Again, I still cannot confirm I received my credit for overbilling. I did contact Verizon after receiving the statement to notify them of this issue (locked account, overbilled routers & waiting to pay once I receive my last statement detailing my credits) and asked for the statement to be MAILED since they had locked my account after deactivation. I made this point VERY clear to their customer service that my account was locked/deactivated and needed a paper statement to be mailed to me. No more than 15 minutes after I hung up the phone, I received an email to log into my deactivated account to access the statement. I have it saved. I have received calls from Verizon and their contractors and made this very clear that I need my statements and I have not received them still.
Now I am trying to buy a house. I am applying for credit and I have been told by the mortgage broker this will be at least .25% tacked onto my interest rate. I have told Verizon and they refuse to budge until its paid. I have refused to pay until I receive documentation. Supposedly, they are in the mail. At this point, I have also disputed with all 3 bureaus. I will more than likely settle on a house and buy with a higher interest rate than I should. If I do buy, can I sue for damages? Anyone will to take on this case? I have researched and I see several related articles and it appears I do have a case.
