I am currently dealing with I.C. System regarding a $183 medical bill that was turned over to them. I paid the amount off with my debit card, and the transaction was paid out to them according to my bank, and it was definitely deducted from my acct.

Yet, I.C. System are saying that the payment was returned as NSF and are demanding payment. A debit transaction can't be returned as NSF, it either clears or is declined right then. My bank advised to print out a copy of my statement and send it to them showing that the amount was paid. If they still don't mark my acct. as paid in full, the bank said they would dispute the transaction with I.C. System and get my money back.

I really do not want to send my bank statement to them, and noticed in another section of the forum regarding credit repair, it says to never send your bank statement to a CA. What should I do? I know I can black out all info on the statement except the transaction in question, but why should I have to do all of this? Any thoughts as to how to handle this, or do I have to bite the bullet and send my statement?

If your bank statement is the only proof of the payment done, you have to put it in front of them since you are disputing their claim. I don't know why IC System is making everything so complicated. It might be a clerical mistake that they didn't update your account.

When you have wiped off all other info in the statement, it's a safe move to carry on with your dispute. Unfortunately, this is the only way you can get your account marked as 'paid in full'

Thanks! I guess I'll send it to the via certified mail tomorrow. See, making me spend extra money by having to post it this way....jerks!!

I can feel what you mean by that! Unfortunately, this problem has to be resolved by paying a small amount now so that you are not forced to pay a large sum later. This thing should not have happened in the first place. It just makes me think about how unprofessional the business is.

A debt transaction can be returned for NSF. I've seen it done. These things are sometimes done electronically and do not process until the next business day in which you are already off the phone.

What you sould do is get a copy of the statement and black out anyhting that you don't want them to see. Just leave their transavtion viewable. Then go make a copy of it. Then fax/cert mail that to them.

Sending something cert mail cost about 2 bucks. And to be quite honest it is in your best intrest to get this cleared up so they can report it faster as paid.

Tiffany-why can't your bank send something so you don't have too?Yes,definately black out everything that has any of your info on it if you have to send it.Good Luck...Karen

__________________
As long as you are alive, there's always hope

Hi Tiffany:
I just read your posting.
Let us know what took place since you probably sent your statement "certified mail".
Remember, and this is good for the future:
Let the company calling you "send you the statement they have showing NSF", LET THEM SHOW YOU FIRST as proof to what they are saying. This call could be anyone imposing to be the collector and will confuse the hell out of you or it could be the company having lousy bookkeeping and accounting skills. I would suggest NOT TO SEND anything such as your personal bank statement to anyone, UNLESS they send you in writing with a legitimate documentation that they showed NSF when they deducted from your card.
This could be true and most likely it isn't TRUE and it really sucks when these harrassers have Horrible Bookkeeping that they bother people again, when people pay! They have to prove who they say they are in writing and have to show you point blank on documentation that looks legitiate as NSF.
Another things, please watch out if the original company sold your account to another company...they pyramid on peoples accounts which we are working hard to pass a bill to disallow this wrongful act.
If you paid twice get your money back. If not, you have the right to file a lawsuit.

collection agencies don't generate NSF letters for legal purposes. The letters that these companies send out are computer generated and very generic stating the most basic information.