Guess I should've gone to freecreditreport.com baby....isn't that the commercial? I'm so mad right now! Josh and I decided that we might refinance our house. So, on Saturday, I contacted our mortgage company to ask some questions. The lady was super nice and pulled Josh's credit..."It's perfect!", she said. Duh..we know that! Then she pulls mine and I sat there expecting her to say the same thing about mine....wait.....wait...the longer I waited the longer I thought, " oh shit, something's wrong." And it was. Surprise freakin' surprise!
"Mrs. C, you've got some things coming up on your credit."
"WHAT? Like what?"
"Looks like a couple of medical bills, a comcast bill and a bill from West Bay Acquisitions."
"West Bay what? We don't even have comcast...and medical bills.....what????"
Meanwhile I thought about my favorite purse that was stolen a few years back.....insert the puking here....
The lady at the mortgage company was very nice and helpful to me and gave me all the phone numbers to all the collection agencies and then we talked about the house. I really couldn't even listen to her for thinking about how violated I felt...
Today I sat down to call all these people...to straighten things out....first I called the West Bay Acquisitions collection agency and here's how that went:
Collection Lady WITH an accent: Tank yo fo calling ABC Collection Agency thi is a collection agency and yo call is being recorded my name is Ms. Smih how can I help you?(and there was ALL kinds of background noise)
Me: I'm sorry, I couldn't understand you....
Collection Lady screaming at me:Thank you for calling ABC Collection Agency this is a collection agency and your call is being recorded my name is Ms. Smith how can I help you?
Me: Yes, Ma'am. I am calling about something that is coming up on my credit.
Collection Lady: What's your name?
Me: April C.
Collection Lady: Yes you owe West Bay Acqublah 94.72.....
Me: What in the world is that?
Collection Lady: Some sort of book club.
Me: Ummm...I'm not in a book club, I don't even read!
Collection lady: Well, it's says you ordered a book on history and a book on 20 minute crafts. You can settle today for $72.15.
Me getting a little irritated: Um, I'm not settling anything or paying for anything because I didn't buy anything! How do I get in touch with these people?
Collection Lady being a total biatch: We just collect for them, I have no idea how to get in touch with them, but you obviously are going to have to pay for them unless you can prove that you didn't get them.....
Me being a tiny bit ugly: Listen, I am not in a book club. I don't like to read nor have the time.....what was the name of the place again, maybe I can find them online...
Collection Bitch: They couldn't have put it on your credit if you didn't order them.....
Me: GRRRRRRRRRRRRR..........the name was what again?
Collection lady: WEST BAY ACQUISTIONS, you do realize that this is hurting your credit, right.
Me: I KNOW that. That is WHY I am on the phone with YOU right now trying to figure out what to do!
Collection Lady: Well, I guess you'll just have to tryandgetintouch.....blah blah blah blah......
And then I slammed the phone so hard the entire office shook.(No tenants were in here, no worries!)
So, there you go, just a little smiggon of MY monday! It's been a great day!
As promised, I will try and post pics tomorrow!
xoxo
12 comments :
Sorry about your credit but I understand how frustrating it is. If you contact the credit bureau (sp?) then you can fill out affidavites there saying you did not do it and they will make a note of that on your credit report while looking for the person that did. You have to ask though or they will not do it, with that note on there whoever is looking will not count that for you or against you!
wow, that is so frustrating. i imagine it will be one big pain in the butt to have taken care of. :(
Wow!! I have the exact prob. w/the same group.West Bay Aquisitions!
$98.00 into thin air because I surely did not recieve anything from a company calling themselves that.I rarely buy on-line,now if it was my wife!?/!(hope she does'nt sniff around my laptop!!)
If anything It would have somthing to do w/music,recording,or motorcycles,Would you have recieved a download supposedly free
having to do w/music-music recording or mixing? you can answer if you wish to,I understand if you did not,I'm safe,promise,with wife and teen ager.I have to resolve this same situation,as it stands so far I entered"West Bay Aquisitions"and you and a bunch of other websites complaining about the same thing so thats why I wrote back.I read it and thought you may have finally gotten it straightened out.
You have a wonderful looking family by the way.Mine is,well I married into a huge family!!Came up from Florida,to visit someone,fell in love and 10 yrs later I'm still here !!!,I now have several grandchildren,there hard to leave,but my wife and I are selling out when my son graduates and going to warmth!!,thanx 4 you're time,I'm Jim at jammax10@yahoo.com if you would tell me how you fixed this,If you did yet !!! I hope so,not just for my sake but yours as well. Good luck Jim M
I'm going through the same thing... hmm....
I'm going throught the same thing! And from the research I've been doing on this company ALOT of people have the same EXACT complaint!! Many people think that it is a scam and have suggested contacting the Federal Trade Commission. Someone stated that once they had gone through the several steps of trying to dispute this they were contacted by National Recovery Agency and/or West Bay stating that the debt was placed on their report in error and it was removed. I'm going to definitely fight this and go through all the proper channels I have to in order to get this resolved!! Go to www.complaintsboard.com and look for West Bay and you'll see what I'm talking about! Good Luck to You!! :o)
WOW! Same thing! Just found out today and its been on there for awhile now. Stating they sent me some movies that I never ordered. But Mrsm C as frustrating as it is your story had me crackin up! You should write movies, I was laughing so hard on your script of how it all went down...but ya fight it all the way just tell them its fraudulant and file a police report that's what I am doing tomorrow. Good luck I hope this company gets taken down! How can they rob people like this and get away from it for so long?! Grrrrrrr!
I know this has been some time ago, but I just received a letter from them stating a similar situation. I've called the FTC to let them know and I'm hoping that this can be fixed. I can't believe this! Did you have any luck?
I need to do an updated blog post on this! I ended up just paying it because we are about to buy a house and I needed it off my credit asap. I didn't have the time to go through everything it was going to take to get it taken off! So frustrating!
Hi, I am dealing with exact same thing and was told the same thing. I can tell them this is fraud, and I can say they must be the one to prove its mine, but all the while it sits on my credit report!!
Yea, just make sure you check your credit annually. After doing research on them, I am convinced they are scam artist. I'll see how my case goes!
April, you do realize it was a BAD idea to pay that account, right? You just restarted the "seven year bad credit clock". It doesn't come OFF your credit, it reinstates your BAD debt as paid but still NEGATIVE.
Not true, anon! Within a month of paying it my credit score jumped to an almost perfect score.
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