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I am trying to resolve a dispute with Cingular (long story) and told a manager I would just file a chargeback with American Express and let them deal with their stupidity and be done with it. The manager said that if Cingular doesn't get their money (even because of a successful chargeback), they would send my account to a collection's agency, and get their money that way. I politely let her know that if their action led to anything negative on my credit report, that they open themselves up to ALL SORTS OF LIABILITY.

Now, is what she said true? Can Cingular send a chargeback to a collections agency? We are talking about $300 here...

Any input greatly appreciated...

Thanks!!

Member Summary
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faztcobra said: <blockquote><hr>xoneinax said: <blockquote><hr>Why can you not resolve this with Cingular ? Why do they... (more)

bubbaut (Jan. 30, 2007 @ 4:27p) |

bubbaut said: <blockquote><hr>BTW, the Office of the President lady has to talk to her manager about what they can do, a... (more)

jayK (Jan. 30, 2007 @ 4:39p) |

Well, they finally resolved the problem.<br><br>Anybody see this yet?<br><br>"Warrant Issued For Verizon's Arrest"<br><a... (more)

bubbaut (Feb. 09, 2007 @ 11:01a) |

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Anyone can send anything to a collector. Now, as far as the collector violating your rights and the law, that is another matter to sort out in court. Personally, I wouldn't be worried.

Yes. This question has been asked many times.

One relevant thread.


bubbaut said: [Q]I am trying to resolve a dispute with Cingular (long story) and told a manager I would just file a chargeback with American Express and let them deal with their stupidity and be done with it. The manager said that if Cingular doesn't get their money (even because of a successful chargeback), they would send my account to a collection's agency, and get their money that way. I politely let her know that if their action led to anything negative on my credit report, that they open themselves up to ALL SORTS OF LIABILITY.

Now, is what she said true? Can Cingular send a chargeback to a collections agency? We are talking about $300 here...

Any input greatly appreciated...

Thanks!!When filing a chargeback, you're not disputing the charges on your Cingular account, you are disputing the charge on your AMEX account. AMEX has no ablility to issue credits on a Cingular account, they can only reverse the payment that was sent on your behalf. If the payment is charged back, then Cingular merely removes the payment from your account leaving it with a balance due. They will then treat it like any other account that has not been paid.

Glitch99 said: [Q]bubbaut said: [Q]I am trying to resolve a dispute with Cingular (long story) and told a manager I would just file a chargeback with American Express and let them deal with their stupidity and be done with it. The manager said that if Cingular doesn't get their money (even because of a successful chargeback), they would send my account to a collection's agency, and get their money that way. I politely let her know that if their action led to anything negative on my credit report, that they open themselves up to ALL SORTS OF LIABILITY.

Now, is what she said true? Can Cingular send a chargeback to a collections agency? We are talking about $300 here...

Any input greatly appreciated...

Thanks!!When filing a chargeback, you're not disputing the charges on your Cingular account, you are disputing the charge on your AMEX account. AMEX has no ablility to issue credits on a Cingular account, they can only reverse the payment that was sent on your behalf. If the payment is charged back, then Cingular merely removes the payment from your account leaving it with a balance due. They will then treat it like any other account that has not been paid.

Thanks for the link Kempman... while the majority of it was off-topic, some was very relevant.

Glitch99, I also filed a complaint with the FCC, and e-mailed Cingular's Legislative and Public relations director (she or probably her secretary, promised someone from "The Office of the President" would contact me). Is there somewhere else I need to go to dispute the charges directly with Cingular?

Thanks again...

A chargeback is rarely the best thing to do since the other party can always still come after you.

It is generally best (if you know you are right) to just pay the bill and then take to small claims court. This way your credit score doesn't get hurt and you don't get sent to collections.


If you are right then the judge will see that and the matter will be closed in a matter of minutes.

[Q]It is generally best (if you know you are right) to just pay the bill and then take to small claims court. This way your credit score doesn't get hurt and you don't get sent to collections.
And the award for the worst advice on the day goes to Timothy...

The first question they will ask is: Why'd you pay it if you didn't feel you owed it? Next question is: Why are you here? What will you sue them for?

Small claims is hardly the venue at any rate. Doing stupid things to "protect" your credit score won't put you in a stronger position. Dispute the debt, and you are on your way.

bubbaut said: [Q]I also filed a complaint with the FCC, and e-mailed Cingular's Legislative and Public relations director (she or probably her secretary, promised someone from "The Office of the President" would contact me). Is there somewhere else I need to go to dispute the charges directly with Cingular?

Thanks again...I'd see what happens with that first (but be sure to follow up quickly so they dont send your account to collections while you are waiting...).

You have a contract with Cingular, it sure sounds to me like you need to familiarize yourself with the contract.

bubbaut said: [Q]Glitch99, I also filed a complaint with the FCC, and e-mailed Cingular's Legislative and Public relations director (she or probably her secretary, promised someone from "The Office of the President" would contact me). Is there somewhere else I need to go to dispute the charges directly with Cingular?

Thanks again...The Office of the President folks should be able to work with you, assuming you're asking for something legit. They're usually the last line before something goes to legal. They will usually do whatever is necessary (except give you the kitchen sink) to assist you.


codename47 said: [Q]The first question they will ask is: Why'd you pay it if you didn't feel you owed it?They quite possibly could have been set up on auto-pay which just charges all outstanding charges to a designated CC. Of course, you have an opportunity to see and dispute your bill before those charges hit...generally about 2 weeks.

What would happen if you sent in a check to pay your balance, then stopped payment on the check before it was cashed?

jayK said: [Q]What would happen if you sent in a check to pay your balance, then stopped payment on the check before it was cashed?

You'd be out a stamp and your account would stay unpaid and surely grow by whatever the merchant charges for returned checks. And then you'd be right where you started.

i just want to know how the OP ended up with a $300 cell phone bill and why the dispute

teplitsa said: [Q]i just want to know how the OP ended up with a $300 cell phone bill and why the dispute

Probably made a lot of international calls while roaming.

imsachin said: [Q]You'd be out a stamp and your account would stay unpaid and surely grow by whatever the merchant charges for returned checks. And then you'd be right where you started.That was a rhetorical question...I'm trying to illustrate that stopping payment on a check is not much different from disputing a credit card charge.

codename47 said: [Q][Q]It is generally best (if you know you are right) to just pay the bill and then take to small claims court. This way your credit score doesn't get hurt and you don't get sent to collections.
And the award for the worst advice on the day goes to Timothy...

The first question they will ask is: Why'd you pay it if you didn't feel you owed it? Next question is: Why are you here? What will you sue them for?

Small claims is hardly the venue at any rate. Doing stupid things to "protect" your credit score won't put you in a stronger position. Dispute the debt, and you are on your way.

You don't understand small claims court. This would be quickly settled if the OP is correct.

The OP would be suing to get his money back that the company unfairly charged him.

I have seen this asked many times before and the easiest answer is Yes.

[Q]

You don't understand small claims court. This would be quickly settled if the OP is correct.

The OP would be suing to get his money back that the company unfairly charged him.
No, I do understand small claims court, and I know that the judges and clerks are morons and being right has nothing to do with winning. I've been there once, and I can't recommend it the process to anyone.

codename47 said: [Q]No, I do understand small claims court, and I know that the judges and clerks are morons and being right has nothing to do with winning. I've been there once, and I can't recommend it the process to anyone.Given that you have exactly one data point, I don't find your generalization of the small claims process terribly convincing.

Lets just say it was a really, REALLY bad data point, and I've chatted with others that echo similar experiences. Go there if you want, you can learn the hard way too.

bubbaut said: [Q]Can Cingular send a chargeback to a collections agency ?Yes, they certainly can and will. Read about it many times here.

Why can you not resolve this with Cingular ? Why do they say you are wrong and they are right to charge you this $300 ?

In Sept, 2005 I called Cingular tele-sales and asked about adding two phones on to my family plan that allready had 2 phones 13 months into a 24 month contract. I was told it would not extend my contract. I hung up, thought about it, and called back AGAIN to confirm. They said, yep no contract extension. I have phone records indicating the phone calls (gotta love Vonage). After activating my phones, I called yet again to verify that the two additional phones would not increase the terms of my contract (I can't locate those records... probably used the new cell phones and I can no longer access my account).

In late 2006 I called to close my account (including all additional phones). I was told that I was under contract until November 2006. I asked that my account be closed at the end of my contract. In December I received a bill showing three active accounts. I called again to have them all closed. Customer service indicated it wouldn't be a problem, but there would be some residual charges on the account and I would need to call back when I received the bill and have them credited (there was NO MENTION of any early termination fees). I received my final bill January 2007 with guess what on it? Two sets of early termination fees.

The first level of Cingular management was useless. That was the manager who threatened to send my account to collections if I charged-back against it. Instead of charging back, I filed an FCC complaint and e-mailed their public policy and relations representative. An "office of the president" rep left a message on my machine asking me to call them back. Hopefully I can resolve this tommorrow.

bubbaut said: [Q]In An "office of the president" rep left a message on my machine asking me to call them back. Hopefully I can resolve this tommorrow.

there ya go. should have been your first step after CSRs could not resolve.

Look for books by credit card attorney Howard Strong.

xoneinax said: [Q]Why can you not resolve this with Cingular ? Why do they say you are wrong and they are right to charge you this $300 ?If he dares to PM me his phone#, I can get the scoop <img src="i/expressions/face-icon-small-wink.gif" border=0>

faztcobra said: [Q]xoneinax said: [Q]Why can you not resolve this with Cingular ? Why do they say you are wrong and they are right to charge you this $300 ?If he dares to PM me his phone#, I can get the scoop <img src="i/expressions/face-icon-small-wink.gif" border=0>

I told the story a few posts above... unless you have some sort of contacts at Cingular...

BTW, the Office of the President lady has to talk to her manager about what they can do, and will call me back tommorrow. What kind of company doesn't empower their "executive response team" to fix such problems? Management 101...

To clarify, I haven't charged back on my credit card yet. I just wanted to know if the idiotic manager was blowing smoke out of her ass about sending the account to collections ...

bubbaut said: [Q]BTW, the Office of the President lady has to talk to her manager about what they can do, and will call me back tommorrow. What kind of company doesn't empower their "executive response team" to fix such problems? Management 101...Not everyone in the "Office of the President" is an executive. You probably spoke with a secretary who does the grunt work of actually talking to the customers who get that far. The secretary will distill all your ranting and complaining into a 5-second executive summary for her boss, who will approve or reject the credit.

Well, they finally resolved the problem.

Anybody see this yet?

"Warrant Issued For Verizon's Arrest"
Linky

Incredible...



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