Financial rant–HOW?

Home The Daily Kitten Cat Chat Forum General Chat Financial rant–HOW?

Viewing 8 posts - 1 through 8 (of 8 total)
  • Author
    Posts
  • #849926
    Leeny
    Participant

    Just got back from entering a bunch of data into my Life Lock account–the one I opened after the people at the psych hospital where I didn’t need to be rifled my wallet and stole one of my store credit cards. In the process, my Experian credit rating came up–the low end of “below average.”

    Now, they listed 6 considerations that they use to determine the score: I had 3 excellents, 1 good, and 2 average. Can anybody tell me how these add up/average out to be on the low end of below average? They have come up with a new thing to hold against me that wasn’t one of the six considerations: insufficient information about real estate loans. Real estate! I have never had a real estate loan and, at the age of 59, I don’t plan on ever having one! This is quite separate from the lack of installment debt. I have too much credit card debt for their liking (and mine), left over from supporting H. Seems I have the wrong kind of debt.

    I had decided not to look at credit scores because they get me upset, and I’m already doing everything I can to improve them. It seems that, whenever I make progress, they change their formula to lower my score again. I’m going to ignore them and keep doing what I’m doing. I can’t do anything else.

    #849934
    ailuromaniac
    Participant

    Leeny, DO NOT IGNORE THIS! Report the card, Have it canceled..If you need it get a new account number. Dispute any purchases you do not recognize. Lock your credit history from any request for info. Where your card was taken, the perpetrator has more than enough information to steal your identity. Make a police report. Raise HOLY NED. Make an internet complaint about the hospital….Anything else you may think of. Someone on this board may know other actions you need to take.

    #849936
    Leeny
    Participant

    AM, I reported the card lost/stolen the day I got home from the unnecessary hospitalization. No charges had been made on it. The account was closed immediately, and I was issued a new card with a new account number. I reported the theft to the hospital (a gift card to the same store had also been stolen). I got two e-mails asking for further information, the second of which said the Patient Advocate would be notified. The Patient Advocate called me at work while I was on the phone with my boss, and she left a voice mail message. No more than five minutes later, I called her back, and got her voice mail. I gave my name, said I was returning her call, and left my phone number again. I’ve never heard anything else from the hospital. I can just see this Patient Advocate’s written report: “Attempt was made to contact the patient by phone, but was unable to reach her.”

    I have filed two complaints. The first was against the general hospital, from the emergency department of which I was involuntarily sent to the psych hospital in a manner inconsistent with state law. The letter I eventually got from them said, essentially, “We’re sorry our service did not meet your expectations, but our actions were appropriate.” I found out, interestingly enough, that the social worker who executed the warrant for involuntary hospitalization works for the psych hospital’s Mobile Assessment Team; the general hospital has contracted with the psych hospital for this team to provide psych triage services. The second complaint I filed, therefore, was with the state Division of Healthcare Facility Regulation; they licensed both hospitals. After making a careful case, in writing, for the illegality of my committal, I wrote that I suspect a conflict of interest going on here wherein this arrangement between the two hospitals is being used to get business for the psych hospital. This written complaint was accompanied by the letter from the general hospital and sent via e-mail on July 15, one week ago.

    I think it’s going to be a while before I hear anything about the second complaint, if I ever do hear anything. There is a phone number you can call to initiate a complaint. A voice mail system answers the calls, and the outgoing message asks you to leave your name and telephone number. It then tells the caller that, because they get such a high volume of calls, a complaint can be filed via e-mail, which I did.

    I think that the middle of next week (I’m getting one of my neck shots on Tuesday and that will put me down for the day), I will call, and leave my name and telephone number, and ask if they got my complaint.

    I did leave a negative evaluation of the psych hospital somewhere on line shortly after I got home, but I don’t remember where, and I don’t really remember what I said.

    #849937
    ailuromaniac
    Participant

    Good. You still should lock down your credit reporting so no inquiries can be made without your express permission. And a police report of the theft should get the hospital’s legal department’s attention particularly with an expression of concern for theft of ID

    #849938
    Leeny
    Participant

    I’m going to have to see how to do those things, Ail.

    #849939
    ailuromaniac
    Participant

    Good. Life Lock should do it but double check them.

    #849985
    Leeny
    Participant

    By the way, when I got home on Friday night, I found two letters from the state Division of Healthcare Facility Regulation. They were identical form letters; one had the name and address of the psych hospital at the top, and the other carried the name/address of the general hospital. Basically, the letters acknowledged receipt of my complaint and spelled out the actions that would be taken to investigate it. A lot of it didn’t apply to my situation, but these are just standard form letters.

    #850092
    Cheri Hoyt
    Participant

    I am so0rry to hear of your troubles. love and prayers to you.

Viewing 8 posts - 1 through 8 (of 8 total)
  • You must be logged in to reply to this topic.