Dear ABC News Fixer: My Bill Pay Error Is Killing My Credit


Mario Tama/Getty ImagesBy STEPHANIE ZIMMERMANN, ABC News Fixer

Dear ABC News Fixer: I accidentally sent an online bill payment from my checking account to CitiFinancial retail services, when I meant to send it to CitiMortgage.

I didn’t realize the mistake right away, and the next month’s payment went out the same way, to the wrong account.

My CitiFinancial account was an old account that was paid off in 2008; I have every billing statement and proof of payoff.

I called my bank to try to reverse the payments, but unfortunately, they couldn’t. I tried to call CitiFinancial, but was told that this old account was taken over by GE Money. GE Money doesn’t have any record of it.

I was given a fax number and told to send documentation. I did that, but haven’t heard from anyone.

The payments were mortgage payments on a rental property. They totaled $1,933.74. Please help! Although I’ve caught up on the mortgage payments, my credit rating has now dropped 100 points. Ugh!

– Rachel Gibson, Lilburn, Ga.

Dear Rachel: There’s nothing more horrifying to a conscientious bill-paying consumer than realizing you’ve just sent two mortgage payments into a black hole. Yikes.

You told the ABC News Fixer that a month after alerting CitiFinancial by fax, you were still having a terrible time finding a live human being to help. Good thing we had a little better luck.

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