It's strange that they should say that. I tried several times to contact them about an error on my credit report [which reeked havok on my other accounts by the way]. After several failed attempts to talk to someone, I finally just gave up & paid the creditor that said I owed them. Now, I have higher interest rates on some accounts & lower limits on others.
Honestly, I'm very unhappy with them...However, Considering what they are-it doesn't really matter about the little fish; like me & what we think.
I know I was just shocked at them saying it took 45 days to investigate if you got your free annual report. I thought they had 30 days to investigate regardless. Of course I'm not having trouble with them it is Equifax I am having trouble with. Unfortunately I had to file bankruptcy when I lost my job it was either that or give up my house I almost lost. So I decided keeping a roof over my child's head was more important. I tried chapter 13 at first and couldn't keep up with the payments so I had to convert to a 7. Equifax has me listed as filing the 13 and I disputed it telling them I converted to a 7. They investigated it and the results were no I filed a 13 and they kept it listed like that. So I'm disputing it again with the proper paper work. What a mess.
Wow debra. That is horrible. I'm sorry for your situation. Everything will get better with time.
I think it's shocking too. 45 days. Honestly, I NEVER got a letter or anything from them. It's ridiculous. I feel like they should be more customer service oriented; but I feel everyone should be. The IRS is the same way. They could care less about you & will garnish your wages. Yet, we rebuild other countries? pfft. Whatever I suppose.
Well believe it or not I have had some IRS issues as well. I had got a second mortgage about five years ago to pay off my creditors. And I get a letter from the IRS saying I owe back taxes for a debt I didn't include on my taxes. I was blown away what was worse I never received the w2 because it was sent to a wrong address somewhere I never lived well after I noticed that I called the IRS back up and told them and ask them how the debt even happened well to come find out when I borrowed the money to pay off creditors they were one of them and they wrote off part of the debt. So I guess instead of the company letting me know this they pocketed my money and stuck me paying the total. So needless to say if I have to pay taxes on it I want my money.
Hi Debra,
This happened to my mother in law when she lost her house after her hubby died. They had to foreclose and sell the house. The bank got way less for it than the actually debt owed against the residence. She, like you, was blown away when she found she was liable for the taxes on what was left of the unpaid debt. She did, however, recieve a w-2 since they considered all the unpaid monies on the debt an income. She did not have to be held accountable though because there was a clause somewhere that released her from obligation due to the death of her husband. I do not see this happen alot with taxes on unpaid debt but it does and is legal.
You may be right. But I hired an attorney yesterday and she had me call the loan company and get a copy of who they paid and the amount they paid to each creditor of course you don't know what will happen until we get the papers we requested but so far she's saying if I had to pay taxes on it. Then the money should have been given back to me. Or the loan should have been for a lesser amount. But it wasn't so I guess they kept the money if it is legal they need to make it illegal because that's not right.
You may be right. But I hired an attorney yesterday and she had me call the loan company and get a copy of who they paid and the amount they paid to each creditor of course you don't know what will happen until we get the papers we requested but so far she's saying if I had to pay taxes on it. Then the money should have been given back to me. Or the loan should have been for a lesser amount. But it wasn't so I guess they kept the money if it is legal they need to make it illegal because that's not right.
It's strange that they should say that. I tried several times to contact them about an error on my credit report [which reeked havok on my other accounts by the way]. After several failed attempts to talk to someone, I finally just gave up & paid the creditor that said I owed them. Now, I have higher interest rates on some accounts & lower limits on others.
Honestly, I'm very unhappy with them...However, Considering what they are-it doesn't really matter about the little fish; like me & what we think.
I know I was just shocked at them saying it took 45 days to investigate if you got your free annual report. I thought they had 30 days to investigate regardless. Of course I'm not having trouble with them it is Equifax I am having trouble with. Unfortunately I had to file bankruptcy when I lost my job it was either that or give up my house I almost lost. So I decided keeping a roof over my child's head was more important. I tried chapter 13 at first and couldn't keep up with the payments so I had to convert to a 7. Equifax has me listed as filing the 13 and I disputed it telling them I converted to a 7. They investigated it and the results were no I filed a 13 and they kept it listed like that. So I'm disputing it again with the proper paper work. What a mess.
Wow debra. That is horrible. I'm sorry for your situation. Everything will get better with time.
I think it's shocking too. 45 days. Honestly, I NEVER got a letter or anything from them. It's ridiculous. I feel like they should be more customer service oriented; but I feel everyone should be. The IRS is the same way. They could care less about you & will garnish your wages. Yet, we rebuild other countries? pfft. Whatever I suppose.
I hope all is well with you in the future. :)
Well believe it or not I have had some IRS issues as well. I had got a second mortgage about five years ago to pay off my creditors. And I get a letter from the IRS saying I owe back taxes for a debt I didn't include on my taxes. I was blown away what was worse I never received the w2 because it was sent to a wrong address somewhere I never lived well after I noticed that I called the IRS back up and told them and ask them how the debt even happened well to come find out when I borrowed the money to pay off creditors they were one of them and they wrote off part of the debt. So I guess instead of the company letting me know this they pocketed my money and stuck me paying the total. So needless to say if I have to pay taxes on it I want my money.
Hi Debra,
This happened to my mother in law when she lost her house after her hubby died. They had to foreclose and sell the house. The bank got way less for it than the actually debt owed against the residence. She, like you, was blown away when she found she was liable for the taxes on what was left of the unpaid debt. She did, however, recieve a w-2 since they considered all the unpaid monies on the debt an income. She did not have to be held accountable though because there was a clause somewhere that released her from obligation due to the death of her husband. I do not see this happen alot with taxes on unpaid debt but it does and is legal.
Hi fireyone,
You may be right. But I hired an attorney yesterday and she had me call the loan company and get a copy of who they paid and the amount they paid to each creditor of course you don't know what will happen until we get the papers we requested but so far she's saying if I had to pay taxes on it. Then the money should have been given back to me. Or the loan should have been for a lesser amount. But it wasn't so I guess they kept the money if it is legal they need to make it illegal because that's not right.
sorry wasn't logged in.
You may be right. But I hired an attorney yesterday and she had me call the loan company and get a copy of who they paid and the amount they paid to each creditor of course you don't know what will happen until we get the papers we requested but so far she's saying if I had to pay taxes on it. Then the money should have been given back to me. Or the loan should have been for a lesser amount. But it wasn't so I guess they kept the money if it is legal they need to make it illegal because that's not right.