Bodog and credit reporting

[BLUEWATER]

Collection dept from bodog just email me about a final notice about the debt I owe 968 dollars. I recently had problems with nucharge and bodog for the past 6 months and haven't been resoloved. Nucharge refunded me the money long time ago and bodog stated that it a charge back and nucharge taken it out of my bodog account. I tried to talk to nucharge back then but they always hang up on me and wouldn't talk to me. I have email my bank statement and haven't heard from them. Thought all been taken care of it. Now they are saying my debt will be reported. Can they do that? I told them that I will not pay and I do not owe this debt and all been paid by credit card. At this point I don't know what to do. I don't want them mess up my credit. Can anyone help? Thanks.

[SlotsWizard]

Try sending Bodog a cool, calmly worded email with a thorough explanation of your side of the story. Despite how I feel about them overall, their customer service was always courteous and understanding, and they don't have that "you're talking with someone from a third world country" feel that most casinos have.

A long time ago when e-check (ACH) was discontinued, I had made a deposit to Bodog about the day before the cutoff, so their processor never took the money from my bank account. I too had forgotten all about it, but a few months down the road I got the same email threatening negative action against my credit report. I replied to them and the guy that responded back was apologetic and said that it was an automated email that goes out to accounts that are in the negative.

In my case, I actually still owed the $20 or however much it was. Your situation is a bit more complicated. I'm sure if you reply to that form email and explain your situation - from the top - that they will get back in touch with you one way or the other.

This isn't the first time someone had this kind of problem with Nucharge. I'll see if I can find a link to that other thread now.

In the meantime... get started on your reply email. Type it up in Notepad or Word or Wordpad first, and when you've got it just right, copy and paste it into your mail editor.

EDIT: Found the thread. In fact, it was one you had posted in. You used to be CowboysTX.

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When all is said and done, if they in fact do take some sort of action against your credit report, you can dispute it with the credit bureau. I'm pretty sure the credit bureau would be on your side with things of this nature. The credit report thing might even be an empty threat, for all we know.

[missmayda]

I believe they can't report anything unless they have your valid social security # and verification that debt is due (signed promissory note, cc agreement, etc). If it does show up on your credit report you can dispute it. The burden of proof lies on them.

[BLUEWATER]

I called bodog in collection department and got this resolved. They have re-enabled my account and credit my balance to zero. I was told that I was a good customer to them and they got it all taken care of it for me.

Thanks for advices and supports.