I purchased an item on ez-pay from QVC. The item came and I assumed everything went as it should. The I got a collections notice in the mail! wtf?
Turns out my first ez pay’t went through fine, then apparently my credit card info changed (thank you to security breaches for causing that). I think this was my first EZ pay ever, so the last thing I thought about was QVC when my credit card got changed. Anyhow, QVC never phoned me or sent me postal mail to advise me that my payment was due. They apparently did send me email, which went to spam because it referred to changing credit card info etc. I would never open email that said anything about my credit cards anyway.
So, the debt is valid (a whopping $61) and is in collections. Our credit score was 840 and my husband will want to kill me because he is very proud of our score.
Does it matter if I pay through QVC or just pay through the collections website? I am afraid that if I pay QVC that the collections people will not get properly notified and keep wanting the $, because of course they want their cut. I didn’t know if it was better to pay one or the other or if it doesn’t matter. I would like to put a note on my credit report once this hits notifying creditors that I didn’t receive proper notice of the debt due and that it was due to a change in credit card numbers that I did not initiate. I am so steamed. I want to block QVC from my TV! Seriously, shouldn’t they send a USPS notice that I had a balance due? What if I changed my email? Maybe they don’t have to do it legally, but they should do it because it is the right way in my opinion.
Call QVC first I guess, see if they can get it back from the collection agency.
One time the isp provider coughverizoncough was trying to bill us for equiptment we’d returned that they couldn’t find and they sent it to collections I had to call their accounting dept to get it straightened out.
@partyof5, why should I record it? I would be paying by direct draft out of bank account, wouldn’t that be my record?
@scholarme, I did call QVC and was only able to find out when I paid and what I owed. She was no help regarding the credit issue. I almost paid the credit people, but stopped at the last minute. What department at qvc should I ask for? I find that it is very hard to reach the right person because nobody who answers the phone ever knows anything and I don’t even know who I should speak to.
Who does the report to the credit agencies? I assumed it was automatic once they ship your account to collection.
The debt has probably been sold to the outside agency. If so, qvc should not take your money because you have no debt with them. Call the agency and find out what the status is.
Who reports to the credit agencies? All do, electronically. You can’t stop it. You can put a letter into your credit files and it will do no good. The next time you apply for credit, the creditor will get the score and nothing else.
You and your spouse do not share a credit score; each person has his own. You may both have the same score, but it is not shared.
@Patsam Outside agencies are notorious for shady practices. Yes, you can have your cancelled check but they can still say it wasnt paid in full. Either have them send you documentation of the debt or record a conversation with them. Yes, it is overkill, but trust me, it is necessary.
We have gone to collections a few times and have an excellent credit score (above 840). I do not think it has a major effect, especially for such a small amount.
We once went to collections for 30 dollars, for a medical bill that was improperly coded so it should have been free. Every time we called, we were told it would be fixed, that the collection agency would be told it was fine, and so on, but we kept getting collection agency mail. It was finally fixed after we called the collections agency (very nice people oddly enough) and they checked that the charge was cancelled.
I would call QVC and pay them directly, and they should contact the collections firm. You can call the collections firm though.
At a guess, you need to talk to either the supervisor at Customer Support or someone in Accounting who can get you account back from collections onto their books.
I agree they should have sent you a snail mail letter at least.
We had a similar situation with a medical bill that somehow was getting sent to a 15 year old address. The collections agency found us. I called the hospital and paid the bill, they pulled it back from the collections agency, and said it would be removed from DS’s record. I haven’t checked his record, and I’m sure he hasn’t either, but the calls stopped.
QVC would probably rather get paid the full amount from you rather than the small percentage they sold your account to the debt collector for, so they should be motivated to pull the debt back. It may take more calls to customer service and some escalation, but should be worth it.
Funny to me that your DH cares so much about the credit score. I understand that having a high score is important for getting good rates on loans, etc., but can’t say that I have ever known our score except once years ago after a data breach when we got to check the score for free. I just really don’t care about the exact number. You could tell your DH it’s no big deal, let us know how that goes.
Just got back from visiting my mom. She was getting calls from a debt collector which had her worried. She knew she had no old debts, but was afraid they would keep calling. I called back the number they left, turns out they were looking for someone with a different first name but same last name. I assured the agent that we had never heard of that person, and he promised to take mom’s name and number off the call list. He had better do that.