3d • General discussion
Can they?!! 😬😬
I had a department store credit card through Comenity Bank for $100. That card was charged off and now it's in collection. I paid it off in Sept. 2025, but there was a residual balance of less than $20, possibly even $5-$8. I was not aware of that, because I assumed I paid it in full. After reviewing the trade line pages, I closed it in 10/2025 (listed as consumer closed), yet it didn't charge off until several months later. So here is the million dollar question, if the trade line page states that the limit was $100, how and why would the creditor let allow it to snowball to $362? That seems predatory & excessive!!!
Also, I've had cancer residual issues over the past 2 years needing multiple surgeries and being out on FMLA, twice, so I wasn't cognizant of checking routinely. I am officially in clean up mode so I can get a newer car soon. Any tips?
I haven't disputed anything yet, I'm cleaning up personal information at the moment, but this $362 issue is annoying me!
Lastly, I can see myself doing this in the future, in helping others. Any newbie side hustlers in this realm? Tips? I think this is me liking the challenge and then add my active paralegal skill set, I strangely like the paper work documentation/organization. 😆
Thanks for reading!
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Can they?!! 😬😬
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