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