Reported for bad credit on public record

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EDMONTON, ALBERTA, CANADA
in the past I've converted NUMEROUS (8-10)Bell and Rogers customers to Koodo and have always given praise...not anymore. Recently I was denied a bank overdraft and learnt that a bad credit history has been reported by KOODO. To say the least, IM NOT IMPRESSED!... Here's why. First off i would like to state that I DO NOT(and will not) DO AUTOMATIC PAYMENT OR WITHDRAWAL ANYWHERE...2nd- I work out of town for weeks on end, often somewhere in a camp, hours from civilization( stores, banks , internet etc.)For this reason 2 things occur. 1- my bill payments are often late...2-for that reason I drop bulk sums of money into my KOODO account.( usually $200-$400)always resulting in a Credit to me on my account. When I brought my phone to a Koodo Kiosk at Londonderry mall, I could not sign up or "join" Koodo without putting down a $200 deposit. I did so, and for the first couple years my bill/ spending limit was $200.if I exceeded that limit my phone would be cut off.No problem...since then, my cap was lifted and the $200 dollars?, Gone. Not even on record with Koodo (I believe telus may have demanded it).Not a problem either....MY PROBLEM IS THE REPORTING OF A DELINQUENT ACCOUNT TO PUBLIC RECORD BECAUSE IM LATE ON PAYMENT.Now to that I ask, where's my $200 deposit, and DO YOU REPORT WHEN I HAVE KOODO CREDIT!? Of course not...if I recall, over the last 5-8years with koodo, my phone may have been cut off up to 3 times.each time rectified within 24hrs. SO WHAT WARRANTS A BAD ACCOUNT REPORTED TO PUBLIC RECORD... it seems a little extreme and unfaithful...makes me want to raise a fuss about the $200 deposit I had given to sign up.It was on my original paper Receipt (8years ago) but is nowhere in KOODO records...uhummmmm.NICE. FG'S
sincerely yours, Stabbed in the back.
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Mack Jones

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Posted 2 years ago

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Chadwick, Mobile Master

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Its a tough situation that your in. This is simply the forum so there's not much in terms of getting things dealt with for you. My advice would be, go into the self serve, click contact us by email. and send this exact statement to them. Also maybe request that a supervisor contact you back so you can voice your concerns with them. Your going to have to try and escalate to the highest seniority available to get it dealt with. You can also contact the gov about your credit, There is a process you can follow to get things explained and appeal reasons why things are the way they are.

I definitely feel for you and I hope this can get dealt with as credit isnt easy to rebuild.

Best of Luck Mack!
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Mack Jones

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Tight! Thanks Chad
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Chadwick, Mobile Master

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No problem man. Good luck.
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Mitch Vella

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I haven't paid my Koodoo bill since early January, I'm still using the phone, I can't afford the bill. I'm just wondering how long it'll take till They cut me off. Do you know?
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Mack Jones

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Seems like about two billing periods...or about $300 .making a payment schedule keeps from getting unexpectedly cut off.(if that happens you have to pay in full plus $25)... You can schedule small payments and keep er going. On the other hand, calling in likely puts you on in their radar... best bet would be, if you've been pushing it,( and can come up with $20-$40 a week) to call in and make a payment plan arrangement. They are very reasonable if you show good faith by doing so.
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Mayumi, Mobile Master

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I don't think Koodo accept deposits to open a monthly account.
They run a credit check and you can pass it or put you under the spending program, or denied to have a postpaid/monthly account. 

I would contact  Koodo Kiosk at Londonderry mall directory about $200 deposit. And demand your $200 back
Then report this case to Koodo through Email as Chad suggested. 
(It will bring their attention for this activity.)
(Edited)
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Mack Jones

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Aye, Already went there and its gone. Thanks though
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Boolanger

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This is how any lender/service you sign up for works that requires payments. It has been a while but if I recall correctly.

 if your late paying a bill no problem as long as you pay it before your next bill is generated, but if you let that lapse over to the point where your are now late on 2 months and have a 3rd to pay, you are now delinquent on the payment an that gets reported. the longer that goes on the worst the hit. If they are cutting off your line that is likely hitting your credit further.

 But Koodo is simply reporting what you did, IE your behavior. You know you have issues paying at times, koodo has provided options for this with pre auth payments and you don't seem to want to correct this and they are just making other lenders/service providers aware of that.

you may want to look more into the pre auth payments(they can be turned off and on when you like) or get someone to handle your affairs in your absence.

Also when you are out of contact do you ever contact Koodo before hand to make them aware you may be late on a payment? sometimes that is all it take


What do you mean by "Telus may have demanded it"? did you own money to telus for some reason?
(Edited)
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Mack Jones

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Thanks for the input
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Jonathan I, Mobile Master

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Mayumi is right, Koodo doesn't charge security deposits. They'll either put you on spending limit, make you pay full price for the phone, or deny service outright. I sold Koodo at Mobile Shop for a few years and that was never instituted. You should have them investigate the action of that particular Koodo store.
(Edited)
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Mack Jones

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Thanks.....that Could be...perhaps things are done differently depending on the circumstances .I bought my phone elsewhere and went to koodo. I also may have had a derelict account from 1998.
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Mark Kokolsky

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Id be very curious how they would have charged a deposit. Since they have been around, they have never done deposits (as said by Jonathan and Mayumi). I would have guessing that the 200 was what they made you pay for the phone if they didn't approve you for the tab, but the activation system has never done deposits. Is it possible they got you to pay an outstanding balance to Telus or something?

 As for the rest, it sucks, but if you don't pay your bill, eventually they will report it. They are just telling the credit company what your actions are, so its tough to be upset with that.
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Mack Jones

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Paid $700 cash for my phone elsewhere...Quite possible Telus took the $200 to allow koodo to hook me up...as far as reporting on me... Feels unfair because in my 8 or so years with koodo, It was never brought to my attention that there was a problem until last week. I mean, I have(or thought I did) an account with $200 credit .
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Timo Tuokkola, Mobile Master

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You said in your initial post that your account was suspended 2-3 times over the past 5-8 years. That is known as 'bringing it to your attention that there is a problem'.
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Mayumi, Mobile Master

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"Quite possible Telus took the $200 to allow koodo to hook me up "
- No. It's not possible.
This is completely done by that location and I believe Koodo should do investigate on that location's activities.
That's why I suggested you to send Email to Koodo about it.

Did you contact Koodo about your payment options? You can make payment arrangements with them, so you can start to build your credit score again. Good luck.

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