ruggedmaker2 said:So, if I’m following you correctly, some guy at a T-Mobile counter just told you verbally that you owe money, even though there's absolutely nothing in writing saying otherwise. Is that the deal?
Look, just sit down and write a proper email to T-Mobile—they definitely have an address on their website—and ask them straight up.
If they don't get back to you within a day or two, find a physical address for them (like their legal department or customer service) and send that same message via certified mail with a return receipt. Then, just wait.
Honestly, there isn't much else you can do right now because you have zero paper trail. For all we know, that person behind the counter might have misread something or completely misunderstood what was going on. You can't trust verbal info like that.
You haven't received a warning, you haven't seen an enforcement order... you've got nothing. So, first step: verify everything. (Make sure you save a copy of that email, and keep that return receipt from the mail service just in case things get messy later). If they actually try to come after you with an enforcement proposal, you'll just file an Appeal and cite the statute of limitations since it's been over three years.
Thank you for the quick response; yes, that is exactly the situation.
If I hadn't received that coupon, I wouldn't have even known this was happening.
The representative at the counter told me they couldn't open a new service account at my Chase until I presented a confirmation from that collection agency regarding the settlement of the debt.
Only after that will T-Mobile unblock everything.
When I called T-Mobile SZK, I was informed that they had "transferred" the debts to that specific agency, and once that happens, they no longer have visibility into the status of the debt.
In all my life, I have never owed anyone a dime, yet here I am, having a year of my life stolen by this sheer frustration.
It honestly feels like some kind of shadow financial system is at work here.
If I reach out to the agency, I am certain they will just try to push some random mobile payment app on me.
I am becoming increasingly convinced that this is a matter for the IRS or perhaps even the financial crimes division.