Forum

Will non payment of EBAY fees affect your credit? Collection Agencies?
 

Ebay seems to have placed something in my file on an old suspended account. This was from the good ol days when I had no clue how things worked and this forum was just a twinkle in Aspkin's eye. Thanks to this, I may have a problem opening up new bank accounts and who knows what else.

Does anyone have any experience with Chex Systems? How they work, what kinds of charges they handle, etc. I've had no direct experience with them. Also, should I contact them directly to find out the problem, or is that playing into their hands?

I really don't know the best way to handle this problem, so any experienced advice is appreciated!

chex systems
 

Well in a nut shell, chex systems pretty much put u in the data base for all domestic banks as a bad apple, and when you try to open a bank account they will tell you no because u have a debt with another bank. But the good news is all u have to do is pay the bank off you owe the money to and they take you right off.

That's strange. I've had no problems with this in the past and the incident you're speaking of had to have taken place some time ago. I've had several accounts opened since then with no problems whatsoever. Does each account you open get entered into a list and once you pass a certain number, you're blacklisted and any past debts become due?

Is there something that triggers this (address, name, SS#, etc.), and is there a workaround?

Chex systems can cause you allot of banking problems, however they usually do not show up on your report.
All banks have access to chex systems and if you owe someone from a check they usually will not allow you to open a check account until the check has been taken care of.
If you wrote a check or paid via check draft to ebay as I am assuming your saying then yes, it will show up in the system and IC may be reporting it.
There are free annual credit reports you can keep an eye on and also a daily credit monitoring service to pul every day so you can watch for changes on your credit report.
PM me and I can let you know how to check your credit and monitor it.

In most cases chex system reports you to Lexis Nexus, a use data company who seems to even know when we all go to the bathroom, ebay purchases info from Lexis and sells them info as well. ( *****) So then everyone who pulls your credit or info from Lexis can see the Chex info.

It can be handled by paying who you wrote a check to and or calling Chex systems to see how to pay it. Only thing is if is is ebay and they sent it to IC then you are verifying it was yours and the rats may report it for 7 years on your report.

I will be glad to help if I can.. PM me.

Will do. PM Coming Thanks :)

Correct, Jack would have had to bounce a check to ebay for ebay to be a part of it. And as far as showing up on Jacks credit report it would have had to go to collections first.
Lexis does sell personal data to CA's and JDB's so they can track you down to collect money.
Also, I don't understand why one owuld think you would give away an item that is an automatic money money either, or would give away any info that could link you to who you are.
I post on allot of forums and no way should anyone EVER pass out info that links you to you or your ebay user name etc. You should always remain hidden personally on any forum.

Paying ebay fees on suspended account?
 

Hi-

Do we have to pay ebay fees on the suspended account? They keep sending me the emails asking for the pymt. Please advise.

Yes, and then afterwards I would pay them :)

I would change my email if it's throwawayable. Else I would use spamcop.net and constantly report ebay for spam explaining that they suspended you and won't let you change your email or make them stop.

WHY IN GODS NAME WOULD YOU PAY THE FEES! You are never going to get back on! They F**ked you so do it to them!

hahaha...what in the hell

Yeah especially because a lot of guys do pay women for the golden showers.

You haven't been around the internet much? Man there's lots of sick things out there, such as gerophilia, goatse, lemon party, last measure, brownlove dot com and 2girls1cup dot com. Those sites not work safe.

theres also the something olympics i forgot, where guys cut their.. off......
i dont know why...

Sometimes you can bring back an account the has been placed on hold or even suspended for not paying fees. It usually last only a week or so more, but I usually have numerous accounts suspend for not paying ebay fees every 3 months.
Log into the account, go to the sellers account tab. Click one time payment and choose the bank payment option. Enter the ABA (routing number) of any bank and a ⊗⊗⊗⊗ bank account 001928377839, usually about 10 numbers.
Now you can start relisting your buy-it-now and VERO items right away.

so what happens when the payment doesen't go through?

Debt Collectors asking to pay ebay fees for suspended account of 10 months
 

I recieved a call to my landline phone from I.C. System (debt collector ebay used to collect ebay fees Just google it). I have to pay $128 on ebay fees for an account that is suspended 10 months ago. I believe they recieve my contact # since I never had the chance to change it. Do you think if i don't pay does it affect my credit history or can any legal action be taken against me for not paying only $120. Please let me know as I don't want to get in trouble just for that amount of money! thank you!

I saw a youtube once that said:
1) Don't admit to owing the debt (this will cause you problems later if you do)
2) Make them prove you owe the debt
3) Don't agree to pay debt (this will cause you problems later if you do)

Also, put up your country flag. If you're in the USA and they don't have your SS# they can't do much or anything. Also, change your landline number with the phone company -- you can say it's due to harassment.

Yep. Like Jonas says, change the phone number and do the disappearing act.lol. Send any mail back "person not known" etc etc. There will come a point where
that amount of such a low fee will be written off.

paypal just sent me a collection notice from a collection agency. it was for $33. i think i have to pay the idiots. they have my ss#.

also ebay keeps sending me emails about owing them $3 and some cents. unbelievable....

...dell, this low amount is likely to come from within paypal itself. Like a collection agency
but internal to them. Would cost more bucks to outsource recovery of this low debt.
As for the ebay email, can you remove the email address?

i can't get into that ebay account anymore. i'm not really worried about the $3 ebay fee. i just think it's funny.

i'm sure you're correct about the collection agency just being part of paypal. i thought the same thing, it would cost them more than $33 to collect the debit if they were using an outside source. either way i still do not want any bad marks on my credit history.

it really sucks, i had excellent credit until ebay suspended me. now i'm still trying to get cought up on bills, and i have these idiots coming after me for a few bucks.

Be A Good Citizen
 

dell, you know you are correct. I think you should make an arrangement to pay
them at say $3.30 a month. Only if you do find a way to do so at no extra cost
to you. :rolleyes:

Have I told any of you lately I hate paypal? ROFL.:eek:

well i did recieve a letter from their other collection agency about 4 months ago but i didn't pay for it (i called them and said that ID doesn't belong to me) Now they have another collection agency after me and I don't think its paypal because the paypal linked to that ebay ID was limited for 6 months ago and it had $281 dollars and they never took the money out of it even though I did take it out after the 6 months was over. After that I did close my bank account but they still have the my ss# from paypal (if the collection agency, I.C. system can contact paypal they can get it) and my phone #. So do you think i should pay $118 because i don't want it to impact my credit history when i recently got a credit card 4 months ago and am trying to build up my credit history. Please ADVISE on what is the best way I should do this?

otaku, I am sorry I neglected to answer you as I was having a rant about paypal.

Look, because you are in a difficult situation where there is access to your SSN # and a
possible danger for your credit rating, then I suggest that when you get the next letter of demand, make an agreement to clear the outstanding monies. Trust me, I am nearly
throwing up at reading what I am suggesting. But because it may cause trouble see what
to work out: do me a small favor and just pay them off! At about a buck a year. (sorry)
I HATE PAYPAL rofl.

Don't worry about EBAY debt. They cannot hurt you. They are not like credit cards or banks. They could never justify their fee system in a court of law.

"Well, we suspended him because he was abusing EBAY, and then we tried to bill him for $500 in fees for sales we later destroyed by emailing our members so they would not pay him."

Right. You can also get a credit report anytime. Sometimes free. LIke apply for a credit card and if you get rejected, you have a right to ask for the copy of the credit report.

EBAY will not be on it.

HI: My MOm recd a Collections notice from St. Paul Minn, cant remember the Collections Co name, but it was for a neg Paypal Balance.. She ignored, it, they sent for about 3 months--once she wrote them a nasty letter telling them pp deducted maint fees to make the act go neg-the letters stopped..

One good point there is don't ignore them...
 

if you do not respond at all to them, they can sneak onto your credit report.

You have to deny you owe the money. It is fact, you don't owe it. But don't ignore it or it may show up on your credit history.

My mistake was a phone company that billed me for a call that never occurred. Charged me $50 for it. I called them the day I got the bill and said, I don't even know this number how could it possibly be mine?

They insisted it came from my phone. I KNOW it didn't because my phone keeps a record of all outgoing phone calls.

So, when they sent it to a collection agency, I was angry and ignored them. The result was that it showed up on my credit report.

Do not ignore collection agencies. Just deal with them firmly. "I do not owe this money and stop calling me".

I will say "some one hijacked into my ebay account and thus I don't own any fees" is that okay even if i did withdraw money to my bank account?

I wouldn't get too elaborate...
 

just say you don't owe the money.

You didn't withdraw money from EBAY, you withdrew it from Paypal. Different issue.

ive always wondered what to do in this situation should it ever arise for me. interesting stuff.

I once had this Indian who bidded on one of my items around $240-50 value. He refused to pay saying he changed his mind, after i threatened to get my debt collection agency onto him, he didnt believe me, had a friend call his home number which of course what taken from ebay, "hello my name is bla bla from avenue service etc " long story short the idoit ended up paying. its funny to see how many people you can trick into believing that you will get a debt collection agency onto them should they not pay.

another method is to ring there house at all hours of the nite, they soon pay up after that. lol ive gotten a little off track

Shhh!
 

jscan, keep somethings sacred.:rolleyes: I will go look at Modee lingo for
future use. I like your idea.:eek:

In the US that is illegal now...
 

if you tell them to stop calling, they have to stop.

Saying you don't owe the money is the other thing to always insist, especially if in the right.

They don't care about you period.

I had a credit card feu pas (sorry for horrible french) years ago that screwed me and it is still on my report. I got convinced to go on electronic billing on a credit card. I thought, that is fine, I always keep up. Used it for about a year and got another card I liked much better (better cash back).

I stopped using the electronic card altogether and forgot about it, but it was still on Amazon's list of credit cards I had used. I eventually purchased an item at Amazon, and accidentally selected that card during a purchase, and Amazon charged $100 to it. I had cut the card freakin' up, but it was still on the internet.

I didn't even know. No one made any effort to contact me at all. Then, I applied for a mortgage. They said I owed nearly $300 on a credit card. I said, no way!!

Sure enough, there it was. Still, no one would have ever told me or requested my payment. Hmmm.

So, finally, I paid $300 for $100 of merchandise, mostly in ridiculous overcharge fees to get my loan.

A simple mistake while selecting a list of credit cards in a pulldown cost me $200 and nearly lost me a chance at the mortgage. And it is still on my credit report 6 years hence.
And they didn't give a rat's butt about me at all through the entire thing and still don't.

Another thing I forgot to mention the first time I recieved anything from ebay about I haven't paid them fees it was not from a phone call but rather a letter (or whatever you call that) in my Post Office Box (the same one I put on ebay personal infomation) from some collection agency I don't remember about 3-4 months ago. Now they did call but it was a different agency which I mentioned before (I.C. System) and they first wanted to verify If I still live at my house (I think they got my real house address since I had it in ebay personal info. before I edited to a PO BOX). So, If anyone knows why the first time they just sended me a bill and the second time phone call, it will really help!

you should try it the next time you get an idiot seller who refuses to pay or just "forgets", people need there sleep :)

Cos it's you
 

jscan, you might be surprised to know that I have played a whole heap of
such paybacks like you. Whoever said revenge is a better dish served......
anyway you can, was quite correct. You get SO annoyed that you have to do
something.:)
I have tricks that I have forgotten that can used for payback.:p

Have to disagree with the majority of replies so far....... if your credit is in good standing, and there is the slightest..and i mean slightest chance that these tossers can affect that.. pay them, it's a pitifull small amount, and black/strikes on your personal credit history can and WILL cause you years of ballache..

I decide to rather pay them monthly for the money I owe $118 rather then get a bad credit history.

Anyway, I am just curious can paypal contact your bank if they want to find something about you (home address, phone #) or a closed bank account you had?

Longest answer i could think of... Nope..

Ok guys I think I need to jump in here.

The letter they send you is called a dunning letter. You have 30 days to deny that the bill is NOT yours. You must send the letter asking them to send you full and complete proof that it is yours, that doesnt mean a letter with an amount on it, it means full and complete information such as the dates, times, amounts etc. It is the law they have to prove to you it is your debt, this is called verifying the debt.

Now I know IC System (PP and ebay also uses NCO Collections ) well enough to know they cannot verify the information so therefore once you send them the letter 90% of the time they will go away.

You must be careful as they will call you a gazillion times per day harrassing you at all times to force you to answer phone, once you do that and admit that you are that person you have just verified that it is you and that is your phone number that you answered the phone. This is a mistake.
The way around that is to answer the phone and tell them that you just got this phone number a couple days ago and tell them they have the wrong person and to stop calling. Once you ask them to stop they by law have to stop calling you.

This is just for those who they have the SS # to. If they do not have the SS # they are toast, they cannot collect on an invisable person because they cannot verify it is you!!!

ADVICE to all, if you get suspended on any account and it appears it is dead to not come back, change your phone no right away.

IC systems will call you until you ears bleed. Its called harrassment.
They are not allowed to over call you and they will and they also are not allowed to call before 9 and after 9 and not allowed to call on Sundays and they will.

If they do have your ss no you can beat them but if it is a small amount like 100.00 or under, pay it and go on.

I HAVE BEATEN THEM AT 6K IN FEES WHEN THEY CANNED MY 1995 ACCOUNT FOR NO REASON WHATSOEVER. They put it on my credit report etc and I went after them a defeated them, trade line was removed and they went away nicely.

Reason: I had them on more then 3k in FCRA violations and recorded phone calls of even more violations.

So, do not answer the phone, change it.
If you cannot change you phone and they continue to harrass you in most cases not all because they are trained to get your to talk, take the call and tell them what I mentioned above.

If they have your SS and it is a small amount pay them and go on. If you get the dunning letter and they have your SS then you must by law ask them for verify that it is yours, you have 30 days to do so or they can start reporting on your credit file.

If they do not have your SS, they cannot collect unless you tell them it is yours and then you are really in deep poo if you do that.

I have defeated some of the largest collection law firms in the country and IC systems is a huge violator of the laws that protect consumers. FCRA and FDCRA