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Tmobileripoff
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Joined 16 days ago
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Closed account with zero balance. Sent to collection 1yr after closing.
To Whom It May Concern, I am writing to formally file a complaint regarding the mishandling of my T-Mobile account, continued unauthorized charges, lack of notice, and a resulting erroneous collections report that may severely impact my ability to secure a VA Interest Rate Reduction Loan (IRRL). In September 2023, I began the process of responsibly closing my T-Mobile account after transferring service to Verizon. I kept the account active only long enough to pay off device balances and allow number porting. Once that was completed, I confirmed in-store that the account was closed using my husband's phone (still on T-Mobile service at the time), and I received no indication of any further balance due or remaining obligations. Despite this, T-Mobile continued to autopay my credit card for approximately nine months, charging around $80/month—even though the account was inactive and unused. No texts or emails were sent to notify me of ongoing billing. I discovered this only when I reviewed my credit card statements months later. Upon calling T-Mobile to resolve the issue, I was told I could not access my account without a PIN, which could only be sent to the closed phone number. I then went into a physical store, where staff confirmed the account had not been used since the date I originally closed it. A credit request was initiated by a manager, and I was assured a refund would be mailed. No refund was ever received. Subsequently, my credit card had to be replaced due to fraud, which halted the erroneous autopay charges. I did not update T-Mobile with the new card because, again, the account was supposed to be closed. Months later, I was shocked to receive a call from a collections agency demanding over $320. T-Mobile had not notified me by phone, email, or letter that a balance was due. After numerous frustrating store visits and customer service calls, I was told the account had never been properly closed and that it was now too late to dispute the charges internally. I was left with the unacceptable choice to either let the collections report damage my credit—or pay the balance for services I never used, never authorized, and was never notified about. I chose to pay the balance in fear of losing my chance at a lower mortgage interest rate through my IRRL. This situation, caused entirely by T-Mobile’s systemic failures, has caused me immense stress and financial strain.152Views1like1Comment