• Report: #206106

Complaint Review: Superior Asset Management-T Mobile

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  • Submitted: Monday, August 14, 2006
  • Last Posting: Tuesday, August 15, 2006
  • Reported By: — silver springs Florida
Superior Asset Management-T Mobile
P O Box 4339 Ft. Wallton Beach Florida 32549-4339 U.S.A.

Superior Asset Management - T Mobile ripoff Ft. Wallton Beach Florida


2Author 2Consumer 0Employee/Owner

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This agency called me several times to collect money that I owe Tmobile. They said. I attempted to contact T mobile in regards to the "bill". T mobile's response was that they had submitted the past due balance to the collection agency so if I wanted any additional information I would have to contact the collection agency. They collection agency contacted me once every forty-five days. They were rude and insisted that I pay them over the phone. When I offered to make some payment, they insisted that I pay the FULL amount. When I refused, they became belligerent. Again, I offered to make some payment of what I thought I owed and then they told me I could ONLY pay by check over phone and it would cost me an additional $6.00.

The amount they say I owe is over $300.00. I never have owed T mobile that kind of money. I was a T mobile customer for over seven years. According to Superior, they had the account for more than 30 days when they first contacted me. They continue to call me every 45 days and are rude, belligerent and scream at me on the phone when I tell them I won't pay the full amount.

Tangela
Silver Springs, Florida
U.S.A.

This report was posted on Ripoff Report on 8/14/2006 4:20:53 PM and is a permanent record located here: http://www.ripoffreport.com/collection-agency-s/superior-asset-manag/superior-asset-management-t-878en.htm.

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REBUTTALS & REPLIES:
2Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

some questions?

AUTHOR: Don - Belleville (U.S.A.)

SUBMITTED: Tuesday, August 15, 2006

First, the amount of $300. Was the service canceled with T-Mobile before your contract expired? I ask because the Early Termination fee is $200. Many people have their contract extended by doing an upgrade or a rate plan change. They are supposed to be told when any contract changes are made, although I know that does not always happen.

Now a collection agency comment. Agents are taught an "order of business". First step is to try for payment in full(PIF). If you can't get that, then a settlement in full. The last option is payment arrangements. Obviously PIF is good becuase it gets the most money, and usually with secure payments (check or credit card). A SIF, while less money than the PIF, brings in some money, usually also with secure payments. The payment arrangements is the least attractive option to a collector, becuase you are trusting that people will do what they say. Not to say that they won't take arrangements though.

Also, the check processing fee is a standard fee charged by some collection agencies. You can get around it by mailing in a check.
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#2 Consumer Suggestion

Advice for Tangela..And some questions..

AUTHOR: Steve - Bradenton (U.S.A.)

SUBMITTED: Tuesday, August 15, 2006

Tangela,

First, NEVER speak to any collector on the phone! Always in writing only and only by certified mail, return reciept requested.

By the means above you need to send a DEBT VALIDATION request. Clearly dispute the debt and demand to see whatever you allegedly signed to create the debt and an itemization of charges.

NEVER agree to make payments!! You may have validated the debt and made it legally collectable, where before, it might not have been.

Stay OFF the PHONE!!
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#3 Update By Author

Superior Asset Mgmt.-T Mobil

AUTHOR: Tangela - Silver Springs (U.S.A.)

SUBMITTED: Tuesday, August 15, 2006

Several people had questions? Let me try to answer some. NO, my contract with T mobile had not expired. That was just it!! That is why I contacted T mobile FIRST!! I had been a loyal, on time paying customer for over seven years. They stated that I made only a partial payment and they had turned me over to collections. I TRIED TO PAY T MOBILE.

However, they told me that b/c it was sent to collections, there was nothing they could do. Superior called me the first time and demanded payment in full of $356.77. I said, no I would not pay that. I don't owe it. They argued with me about the amount owed. They told me that they would accept the $156.77 and I would have to dispute the $200.00 difference. I said no.

I contacted T mobile AGAIN-they told me if I paid the collection agency, the past due balance, they would re-instate me as a good customer. Here is the thing-I didn't pay the T mobile bill, because the debited my checking account in the amount of $156.77 without MY PERMISSION!!
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