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Ting debt collection. What are my chances ?

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I was one of the customers that got mass transferred from Ringplus to Ting. Apparently I neglected checking the usage after the first month so I transferred all my numbers to tello during the middle of 2nd month. Didn't anticipate paying 20 bucks for a few minutes, a few texts and couple hundred meg. So today Ting hit my mailbox with this letter Smilie. Will Ting do what it said it will do ?

Quote :
FINAL DEMAND for outstanding payment


The purpose of this notification is to inform you that despite our numerous efforts to obtain payment for the Ting services we provided you, we have been unsuccessful and must now accelerate collection efforts in accordance with Ting's terms of service.

Should payment not be received within 15 days, we will either pursue this matter through legal action or by forwarding your account to our corporate collection agency, in which case your credit rating with the major credit reporting agencies could be affected.

Thank you for your prompt attention to this matter.
Created 04-17-2017 at 10:00 AM by superbrasso
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#2
Can they ding your credit without a SSN?
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#3
Well.... why wouldn't they? It's common for companies to sell their debt to collections agencies to recoup some of it. Freedompop has sent people to collections.

Also, you seem to suggest it was a "mass transfer" that was at fault. There was no mass transfer. It was a mass pre transfer. You had to complete the transfer by singing up and agreeing to the terms. I did not and was not transfered. So you agreed to the terms and thus you owe the debt. I would pay the debt or be prepared for a multiyear black mark on your credit history.

Also, why didn't it get automatically charged to your CC. You had to provide a valid CC at signup didn't you? Don't tell me you did the VCC with too low of a limit thing.
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#4
Grow up and pay up. It's called responsibility.
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#5
Quote from superbrasso
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I was one of the customers that got mass transferred from Ringplus to Ting. Apparently I neglected checking the usage after the first month so I transferred all my numbers to tello during the middle of 2nd month. Didn't anticipate paying 20 bucks for a few minutes, a few texts and couple hundred meg. So today Ting hit my mailbox with this letter Smilie. Will Ting do what it said it will do ?
Did you go thru the migration process at that time to Ting?
I did not do anything on all of my RP+ lines and have not been billed so far.
But i also did not use any of the lines since the announcement from RP+ ... i just let it go to ether and not dealing with it.
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Quote from fyu
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Can they ding your credit without a SSN?
Yes, that is why people can many time find errors on their credit reports. They can report by name and address and the credit reporting agencies will accept it.
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#7
I guess OP has to pay more than 20 bucks now.
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#8
Quote from garysdeals
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Grow up and pay up. It's called responsibility.
That sound logic has no place in this thread.
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#9
Quote from superbrasso
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I was one of the customers that got mass transferred from Ringplus to Ting. Apparently I neglected checking the usage after the first month so I transferred all my numbers to tello during the middle of 2nd month. Didn't anticipate paying 20 bucks for a few minutes, a few texts and couple hundred meg. So today Ting hit my mailbox with this letter Smilie. Will Ting do what it said it will do ?
I think they will. Call Ting and see what they can do for you if it's an honest mistake/oversight by you (i.e., you did not intentional use a lot of data, minutes, etc. before porting to Tello).
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Quote from LoliSmith
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Yes, that is why people can many time find errors on their credit reports. They can report by name and address and the credit reporting agencies will accept it.
that's screwy. what prevents people from just reporting debt then?

name and address is super easy to find.
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#11
Quote from fyu
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that's screwy. what prevents people from just reporting debt then?
Random people can't report to the credit agencies. Businesses and collection agencies have to apply for that and get vetted by the credit reporting agencies. If you file false reports, that can not only subject you to civil penalties, in some states it is a crime. I am not sure if there are federal criminal penalties or not but there are federal civil penalties.

Most smaller companies sell their debt to debt collectors who are certified to report to the credit reporting agencies.
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Last edited by LoliSmith April 17, 2017 at 06:58 PM.
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#12
I guess I'll wait for an actual debt collection agency to contact me. That's my final line I draw, assuming Ting itself cannot file credit complaint, only parties like agencies can.

Agreed my bad for neglecting to port sooner but 3 minutes, 9 texts and 163 mb somehow costing $23.23 is a rip off. Ting was right for hooking up previous RP customers. No one in right mind would sign up for this kind of service. I actually thought Ting paid RP money for the customer base. Yielding $23 from me is not bad not bad at all, Ting.
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#13
Quote from superbrasso
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I guess I'll wait for an actual debt collection agency to contact me. That's my final line I draw, assuming Ting itself cannot file credit complaint, only parties like agencies can.

Agreed my bad for neglecting to port sooner but 3 minutes, 9 texts and 163 mb somehow costing $23.23 is a rip off. Ting was right for hooking up previous RP customers. No one in right mind would sign up for this kind of service. I actually thought Ting paid RP money for the customer base. Yielding $23 from me is not bad not bad at all, Ting.
If you wait, then you'll have to pay more. You'll have to pay the original debt as well as the collection fee which would probably be more than the debt. Also the collections agency may report you to a credit bureau. They may not remove that even if you finally pay off the credit agency. Even if they do remove it, the damage may already be done. If it's on there as your credit cards/banks/employer does a periodic pull, then you are screwed even if it later gets removed.

Do the right and smart thing for them and you. Pay it off.
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Quote from superbrasso
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I guess I'll wait for an actual debt collection agency to contact me. That's my final line I draw, assuming Ting itself cannot file credit complaint, only parties like agencies can.

Agreed my bad for neglecting to port sooner but 3 minutes, 9 texts and 163 mb somehow costing $23.23 is a rip off. Ting was right for hooking up previous RP customers. No one in right mind would sign up for this kind of service. I actually thought Ting paid RP money for the customer base. Yielding $23 from me is not bad not bad at all, Ting.
Only $23? haha Just pay that off.

It's really just $17 + $6 in tax which is BS if they were up front about it. But $20 is not worth the hassle of dealing with credit problem 5 years down the line when you are about to buy a house.
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#15
Quote from superbrasso
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assuming Ting itself cannot file credit complaint
I don't think that is a reasonable thing to assume.

Quote from superbrasso
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only parties like agencies can.
I am not certain where you got that idea from, it certainly wasn't from anything I wrote. Businesses can get approved to report bad debt to the credit agencies directly themselves. Many smaller businesses choose not to do that because it isn't worth their resources applying for that and then hiring people to attempt to collect the bad debts. It is cheaper to just sell the bad debt. And if you are small business without a long history, you may not get approved.
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Last edited by LoliSmith April 17, 2017 at 07:04 PM. Reason: Automerged Doublepost
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