- Report: #387183
Report - Rebuttal - Arbitrate
Complaint Review: Marlin Integrated Capital, LLC
Marlin Integrated Capital, LLC507 Prudential Road Horsham, Pennsylvania U.S.A.
Marlin Integrated Capital, LLC Have baby on the way - Applied for Home Loan - WAS DENIED !!!! Horsham Pennsylvania
I moved out of parents home in Oct 2003 and started living on my own at the age of 18. In 2005 things went sour for me and then live-in girlfriend - we split up and I ended up moving back home with parents for awhile. I disconnected all bills and received my final electric bill (with the words final bill stamped on the bottom) and paid this (still have the receipt). Things were fine - I continued to live with parents until Oct of 2007 when I again moved out on my own - into a townhouse for 1 full year.
While I was living with parents around the time of Feb 2006 - I started receiving these phone calls almost weekly if not oftener from a collection agency known as NCO (Marlin Integrated Capital, LLC) for a bill of $284.00 they told me that it was from our local electric company, they were very insistent that I pay them then and there - I told them that I needed to check into this accusation - since I was never late or missed paying any of my utilities while living on my own. I took down their phone number and then called the electric company - in which they researched my complete payment history with them and told me that they did not see where I was ever late or missed a single payment to them - they also stated that they can see my last and final bill from them which was dated 2005 Feb. due in March 09 2005 in which I paid 4 days ahead of time, thru Western Union (I have all receipts).
So to make a long story short - I applied for a home loan (my now girlfriend and I have a baby on the way) and I was denied.
I DO NOT OWE this bill - after being denied I called the electric company again and was told all over again that I do not owe them any money and that they see I have paid my final bill - for me to have that collection agency call them and they will tell them. Or file a dispute with the credit reporting agency. In which I am in the process of doing. But I in turn also called this Marlin Integrated Capital again and they still insist that I owe this bill. and told me I could send them a copy of the final bill that I say I say I have and it could take maybe anywhere from 1 month to 2 years to INVESTIGATE IT !!!
That is just pure BS! I need this taken care of now - I have a family on the way ! I am a very responsible adult who takes care of any bills I accrue.
Any suggestions or help in this matter would truly be appreciated.
Inwood, West Virginia
This report was posted on Ripoff Report on 11/02/2008 11:00 AM and is a permanent record located here: http://www.ripoffreport.com/r/Marlin-Integrated-Capital-LLC/Horsham-Pennsylvania-19044/Marlin-Integrated-Capital-LLC-Have-baby-on-the-way-Applied-for-Home-Loan-WAS-DENIED--387183. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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