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Sunrise Credit

November 12th, 2022 at 07:16 pm

I have never in my life been collections, but on November 6th Sunrise Credit reported me as in collections due to owing $112 to AT&T U-Verse DirectTV. Thursday I got the alert from Mint. I remember that I disputed a bill over a year ago and after discussions with the company they agreed to dismiss the debt and they even sent me a Visa card for $91 my trouble.

Recently collectors called & I explained that we settled the issue. They kept calling even after I explained the situation so I started blocking & hanging up on them. Then I got an alert that I had a collections account opened up. I immediately filed a dispute with Experian, Equifax, and Transunion. Experian & Transunion have already deleted the collections from my report.

I also emailed the company directly & they said that they don't have a collections against me on their books & I should contact AT&T. But it was Sunrise Credit that reported the debt so I didn't understand that response. I responded why then was I just reported as being in collections by Sunrise Credit? They didn't respond. I also complained that they didn't send me a Notice of Debt which has been the law since November 2021.

It looks like this will be fairly easy to resolve so far. It also makes my decision to leave AT&T, my cell phone provider for approximately 2 decades, easier. I've been wanting to move to Verizon as they seem to provide better coverage post-hurricanes, but I due to loyalty & a federal employee discount I had been reluctant to leave AT&T. No discount however is worth seeing my nearly perfect credit card drop by over 100 points in a day.

In other bad news, I tested positive for Covid-19 yesterday. I'm already feeling better, thankfully. I had spent Thursday night with my parents' and when I woke up feeling awful at 4 am I took one of their home tests. My first symptoms were actually sneezing, which had me thinking of allergies. I had slightly itchy, watery eyes. Then Thursday morning my nose started running, then by that night I was coughing. I went to bed then woke up with chills and feeling very unwell, which prompted my taking the test. I'm still recovering at my parents' home. I wanted to go home to isolate, but they didn't want me to be alone. Last summer we lost my cousin that was younger than me by 2 years due to Covid-19 & I think it made me parents more anxious.

I'm doing much better & will head to my apartment tomorrow for the rest of my recovery period.

 

Posted in General musings, Credit Cards, Debt, Personal Finance, Career | 6 Comments »

6 Responses to “Sunrise Credit”

  1. rob62521 Says:
    November 12th, 2022 at 08:46 pm 1668285973
    1668285973

    That's a shame about the collections...hope you can get is totally resolved.

    Sorry about testing positive about Covid. Take good care of yourself.

  2. CB in the City Says:
    November 12th, 2022 at 09:56 pm 1668290207
    1668290207

    Oh, no! So sorry on both counts. How annoying about the collections snafu. I'm sure it's due to staff incompetence. Makes me wonder if it's even worth disputing a charge, if you can't count on their word that it's been discharged! Shame on AT&T.

  3. LuckyRobin Says:
    November 12th, 2022 at 11:48 pm 1668296900
    1668296900

    Always ask them to send you a confirmation in writing and record the calls. They usually say they are recording the call so tell them that you are, too. Between the written confirmation and a saved audio file, they have nothing to stand on. While the email or letter is usually enough, the other kicks them out the door. You can report the debt collection company for violating the fair credit standards act for harassing you and trying to collect a debt that doesn't exist, especially if they continue to do so. Sometimes simply telling them they are violating that act and that you are going to report them is enough, but some are aggressive enough that they won't stop until you actually do. We went through this with my sister after she had been divorced for over a year.

  4. Wink Says:
    November 12th, 2022 at 11:55 pm 1668297320
    1668297320

    I'm glad to hear you are feeling better, keep taking care! I stopped into an AT&T store today to explore their mobile phone plans and phones. They weren't very helpful, tried to pressure me into something I didn't want, and I left feeling like I wasted my time. I'm going back to Verizon. They may be a bit pricey, but all the years I was with them I never had a service or coverage problem, and customer service was great. I'm sorry I left them in the first place.

  5. mumof2 Says:
    November 13th, 2022 at 08:04 am 1668326646
    1668326646

    sorry about the collection hopeully you have the paperwork as well to prove it.

    Sorry you have covid...glad you are feeling better now..hopefully you won't have lasting symptoms

  6. Fern Says:
    November 15th, 2022 at 04:13 pm 1668528782
    1668528782

    Ugh. Everything I've heard about collection agencies is that they're the worst industry.

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