- Report: #710781
Report - Rebuttal - Arbitrate
Complaint Review: Western International University Online
Western International University OnlinePhoenix, Arizona United States of America
Western International University Online Axia, University of Phoenix No contact for 5 years, then a collection notice and a negative credit mark! Phoenix, Arizona
*Consumer Comment: possible solution
Currently, I've spent the last 2 years really buckling down on my credit. I had a mis-spent youth and paid for it dearly. Now that I'm an adult with children and a career I really rely on my credit being top-notch.
Last month, I received a collection letter for $165 saying it was from Western International University. I called the collection company immediately to dispute the claim saying I owed WIU nothing at all. They referred me directly to WIU stating that they were only a collection company and couldn't really give me any details.
It took MANY calls (and I mean to tell you, MANY) to finally find a representative that was able to 'access my ancient account'. Once in, he was a very polite guy and stated that the $165 was Administrative fees (BULL!) and he couldn't really elaborate because he wasn't quite sure beyond that. To his credit, he really tried. He was cool. So I figured, you know, things happen, stuff falls through cracks, no big deal. I asked him since I've not received anything in 5 years about this, would it show on my credit report. He gave the canned "It shouldn't". He advised I just called the collection company back and work it out with them.
Ok, no big deal.
After hanging up with him I call the collection company back, paid the $165 over the phone with a check and called it a day. I asked since this is new and my first notice, would it be on my credit? I got a very resound "NO, It sure won't!"
I subscribe to Credit Informer and this morning I get my quarterly credit update. Guess what's on it? A big NEGATIVE mark from Western International University for a 'charge off' of $165!!! Want to know what my credit score did? It dove just under 40 points.
This is absolutely preposterous. I would have contacted the university today, but it's Sunday, they're closed, and being so mad, I probably wouldn't have made it to the magical rep who could actually access my account without losing dignity and cussing.
So here's my take:
I'm getting hammered on my credit for a bill that didn't appear for 5 years and I was kind enough to pay and not question too hard, and my credit is absolutely paying dearly for it.
How can I go about disputing this with WIU without getting the run around. I paid their phantom bill without question the very day I got it and should not have to look at that NEGATIVE mark on my credit for the next 7 years. This seems awful fishy and I probably should've questioned it harder but I'm bad for taking things at face value and going on. I DESPISE conflict.
What's my next course of action?
This report was posted on Ripoff Report on 03/27/2011 08:45 AM and is a permanent record located here: http://www.ripoffreport.com/r/Western-International-University-Online/Phoenix-Arizona-85034/Western-International-University-Online-Axia-University-of-Phoenix-No-contact-for-5-years-710781. 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.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
If you would like to see more Rip-off Reports on this company/individual, search here:Search Tips
In order to assure the best results in your search:
- Keep the name short & simple, and try different variations of the name.
- Do not include ".com", "S", "Inc.", "Corp", or "LLC" at the end of the Company name.
- Use only the first/main part of a name to get best results.
- Only search one name at a time if Company has many AKA's.
Advertisers above have met our
strict standards for business conduct.