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I paid my account in full with DCS Inc. I am having a hard time trying to get a letter showing I paid my account out in full with them.. They keep taking me in circle. At first they said it will take 24 hours,after 24 hours they said I will have to get with the original company.. I called them the company whom the loan came from told me the 3rd party have not yet contact them and I will need to get the letter from them. I called DCS back they are now not returning any calls. However my bank statement is showing they collect they debt ..What should I do?
If DCS is the company you paid off then they will need to send you the paid in full letter unless this account is still owned by the original creditor. Sometimes compnaies will hire out other firms to collect their debt whole maintaining ownership of the debt. If this is the case I would contact your orignal creditor and ask then for the letter. You are entitled to one. If this does not work contact the Better Business Bureau or the FTC.
Did you pay this debt by check? If so then this will prove you paid the debt in full and after 30 days of they have not changed their listing on your credit report to "paid in Full: then you can dispute the mark with the three credit bureaus and it they can help get this accomplished.
You should keep the bank statement which shows that the payment has been made to DCS and it itself will act as a proof that you have paid off the debt. Now, you should pull out your credit report and check whether the debt is listed as "paid in full" or not. If it is listed as "paid in full" its OK, else you should ask the creditor to change the status of the listing. However, if they do not change it to "paid in full" in your credit report, you can file a complaint with the FTC.
Windows 7 pre-paid
I would like to know if this payment has been charged to my credit card yet