Disclosure verification of debt

Posted on Posted in Complaints, Debt collection

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This debt was for a hotel stay from XXXX/XXXX/XX/XX/XXXX for {$56.00}. I had XXXX separate reservations that were made for XXXX XXXX XXXX in XXXX XXXX, LA for XXXX. This stay included a free night and XXXX paid nights. I stayed in the same room during the entire length of my stay. Each day, I had to check out and check in per hotel policy, and my credit card was swiped XXXX consecutive days in a row. My credit card was charged for the XXXX night, XXXX for {$68.00}, but was not charged for XXXX. I even checked out at the front desk on XXXX/XXXX/XX/XX/XXXX and received copies of my hotel receipts. At no time was I notified that there was a balance due, that there was a problem with my card, or that my card was not properly swiped. The hotel even stated that I walked out without settling my balance! I think that after my card was swiped XXXX days in a row at the front desk, and credit card information was provided at the time the hotel was booked, I clearly did not attempt to walk out without paying for my stay. I followed XXXX XXXX XXXX ‘s policy, and they failed to properly bill my credit card. I was penalized for their mistake.

On XXXX/XXXX/XX/XX/XXXX there was a collection on my credit report for {$57.00}. I had not been notified previously about this issue by phone ( my number is listed for the reservation ), by email, or by regular mail. I did n’t realize this balance was owed until it appeared on my credit report! I made numerous phone calls in an attempt to resolve this issue, but feel that it should not have been posted as a collection on my credit report without fair notice. No one contacted me to attempt to resolve this issue before it was sent to collections, and the collection agency failed to notify me in writing or via phone regarding the debt prior to posting it as a collection.

When I checked my credit report again around XXXX/XXXX/XX/XX/XXXX, the outstanding collection balance was showing {$350.00}! An extra {$300.00} had been added to the original amount claimed by the creditor. XXXX XXXX ( both XXXX XXXX LA and XXXX XXXX NV ), nor Allied Collections in XXXX XXXX, NV could explain why an additional amount was added. I did note that this appeared to be a violation of the FCRA for XXXX reasons.

As of this date, the balance of {$56.00} has been paid, but has not been removed from my credit report. A balance of {$350.00} is still showing as a collection on my credit. Had I been notified of this issue up front, this could have easily been resolved in the beginning instead of being sent to collections and posted to my credit 4 months later. This is the XXXX negative item that has been posted to my credit report in more than 10 years. To have a hotel stay showing as a collection AFTER they received my credit card information when the reservation was made and again once I arrived at the hotel, is totally inexcusable. The posting of this inaccurate information is not only a violation, but is unfair to me because I was not give an opportunity to correct a mistake made by the hotel and/or their staff, and this negative mark has damaged my excellent credit history.

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