A small tax return helped get us on track!

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All of our small medical bills are now taken care of. The hospital is paid, the dentist is paid. We’re fixing our credit and I had a sixty dollar item on my credit report I just found out about, supposedly from a cardiologist I saw when I was pregnant. I was suspect since that amount wouldn’t match my copays. I called the creditor since I hadn’t gotten the bill. The debt collector couldn’t find my account for a long time, and when she did, she said the cardiologist had retracted it as an error. They said they had pulled it back from my report, but there it sat, in delinquent accounts. Submitted a dispute and within 24 hours, it’s gone. I know it shouldn’t matter I the long term, but I need to clean this stuff up if we will ever be able to refinance.

And just a quick story to indicate mortgage companies complete incompetence: this week, in this order, we received three pieces of mail: our final approved mortgage modification paperwork to just sign and return; a letter saying we were missing required paperwork; and an initial application for a mortgage modification. Um….messed up.

You just have to laugh….

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I only have 1 credit card which was unwilling to work with me a few months ago. They were actually pretty rude about it too, so they went to the bottom of the list.
I’ve made payments every month, but in their world, I have a “past due” of $485, $385 of which is late fees, which they are unwilling to waive.
They just called again. Nicer person, but still the same position.
And I’m like, well guess what? My position hasn’t changed either. I’ll still send you $100 a month, and hopefully someday it will be all better :)
you just gotta laugh. if it wasn’t for the creditors, my phone would never ring 😉

BoA sold my mortgage to them about a year ago

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The only thing I could find out about them is that a lot of people weren’t aware of the buy-out “in time” to get their first payment in, and it wasn’t credited and they had rolling late fees. I also read that they were really bad about crediting your payment a few days later so you’d have late fees, so I set my Capital One 360 to pay them on the 25th (due on 1st) and I’ve never had a late fee.

Do they teach basic math anymore?

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I have to wonder because I have been going around and around with the company I ordered some embossing folders and dies from nearly a month ago about the amount of refunds they are giving me on out of stock items. The amount differences are not large at all, less than a dollar, but when they become more and more items those pennies add up and if they are doing it to me who else are they doing it to.
Here’s the math. I paid $1.25 each for these items, and had a 25% discount on my total due to a promo code. I also paid shipping for the items.
They are refunding me $.64 and have for the last 3 weeks have sworn up and down first that the difference was 25%, then 30%, then 25%, they a combo of the two. Only I only got the 25% off my original order. Anyway you look at it they are only refunding me a little more than 50%.
I finally got someone with some basic math knowledge today and he kept saying “what the?” every time and every way he did the math. Then when I asked how many other people this had been done to and how big of trouble they were going to be in he said “a lot, and we need to find out where that other $.30 went for each of those items “
Someone in their warehouse is now in deep dog doo-doo. Because they were recording they were giving store credit for the other $.30, but they hadn’t …to anyone. Why does the superman movie come to mind where the guy was putting all those little half cent differences on calculating stuff into his own account? This is not a small company.
So now not only do I have my full refund, supposedly, I will follow up on it. I have additional store credit and some free items headed my way. To thank me for bringing it to their attention.
I know $.30 isn’t much, but it was more than one, and how many other people got hit that way?