Feeling REALLY down...need some advice?

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  • 2 Post By Yoshimi
  • 1 Post By mrspoppers

My life has gone to pot ever since my mom's stroke and I feel like things just keep getting worse. Overall I just need some growing pain advice. I opened an account with ALLY bank a longggg time ago. Never used it. Then something happened. Apparently an echeck from Paypal was deposited in and then more money was withdrawn. I DID NOT DO THIS. I have NO idea what happened but it wasn't me. I call them up asking whats up with the account and they say they don't see anything. Then the collection calls start coming. The debt is $9.00 from an overdraft fee and a collection agency has just now started calling me. I'm SO upset about this because I did not do this. I don't even know how to handle this. I have no credit and I'm PISSED that this may mess me up for something I didn't authorize. I will be calling again tomorrow to find out how I can pay this debt. But I just need some advice. Do I call the bank to pay the overdraft fee? Do I respond to the collection calls? How bad will this effect my credit after I pay?...any advice for building credit? I HATE this. This is so unfair. I'm getting super discouraged. Any advice from you ladies will be very much appreciated.
If you haven't made the deposit or withdrawal do not pay the debt, call the bank and ask to speak to the fraud team and find out how you report fraud on the account. You may have to file a police report but the bank has procedures in place to look into fraudulent activity. You also need to make sure that this cannot happen again, and that means making sure the bank is informed. You may also want to get a copy of your credit report to ensure that this single incident isn't actually a broader issue.

Don't let it stress you though, while it can take a while to resolve these things they are resolvable and rarely have any long term impact, they happen all through life and the best thing you can do is learn to treat them as nothing more than an inconvenience.

I once had a gas company try to charge me $1500 when I closed my account, despite me having paid them every month. It took more than a year and they were ready to take me to court when they finally realised they had calculated my bill using the wrong units, and they owed me $30. I framed the cheque they sent me to remind me what it was worth to stand my ground.

Chin up, and stay strong.


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2C, Medium thickness, Low posity
Recovering from a year of keratin and bleach with CG

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Also just another thought, are you sure the collection agency has the right person, sometimes when they can't find someone they will call anyone with that name, especially when its a small debt as they can often find someone who will pay rather than be hassled, there are also scam collection agencies who make up charges to collect money of people who don't owe anything.

Speak to the bank, take it slow and find out exactly what has happened. Get the story from the bank before you speak to the collections agency, also find out why it has been passed to collections before the bank contacted you

Sent from my HTC_Amaze_4G using CurlTalk App
2C, Medium thickness, Low posity
Recovering from a year of keratin and bleach with CG

Routine

Low Poo, Condition, Leave in, Curl cream, Supersoak, Gel, Diffuse on high heat, with minimal lift to encourage waves and reduce frizz, Dry on cool with nozzle down to smooth hair and finish drying,Shine Serum

Weekly gelatin protien treatments.
I'm so sorry this has happened to you.

First, do NOT pay anything to the bank or the collection agency. By giving them money, even one penny, you are acknowledging the debt and basically saying that it's yours. It isn't yours so don't pay it.

Is the collection agency calling you because a check you supposedly wrote bounced? Ask them in writing for proof of the debt. That will buy you time while you get the rest of this mess sorted out with Ally.

Contact Ally again and do not let them hang up until this is resolved. It says on their website that you need to contact them within 60 days of your statement and they will cover any fraud on your account. Here is the page that tells you what to do in case of fraud.

Don't forget to contact PayPal asap to close that fraudulent PayPal account.
spiderlashes5000 likes this.
Quote:
When are women going to face the fact that they donít know their own bodies as well as men who have heard things?

Don Langrick
Bonsai Culturist
Also just another thought, are you sure the collection agency has the right person, sometimes when they can't find someone they will call anyone with that name, especially when its a small debt as they can often find someone who will pay rather than be hassled, there are also scam collection agencies who make up charges to collect money of people who don't owe anything.

Speak to the bank, take it slow and find out exactly what has happened. Get the story from the bank before you speak to the collections agency, also find out why it has been passed to collections before the bank contacted you

Sent from my HTC_Amaze_4G using CurlTalk App
Originally Posted by Yoshimi
This is true. I have collectors calling me all the time, looking for the people that used to have my home phone number. It's also true about the scam collection agencies. This is why, unless you know the debt is yours, you always want to ask for proof of the debt.
Quote:
When are women going to face the fact that they donít know their own bodies as well as men who have heard things?

Don Langrick
Bonsai Culturist
It's unbelievable that innocent ppl would be inconvenienced in this way w/o any compensation afterward...esp if it drags on for a long time and costs them financially. I hate hearing about this stuff! It's so unfair.
3b (with 3c tendencies) on modified CG

I won't give any personal information to people who call me. It's easy to spoof caller ID and lie on the phone. Even if it's a company I know I owe money for, I tell them I'll get back with them later with the number I know is theirs. I wouldn't put it past someone to pretend to the be gas co. to scam me out of money.

If I do not know the co. calling, in addition to proof of debt, I ask for contact information (name, address, tel. #) and the name of the person calling. It's a red flag if they won't give that info.

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