Complaint Review: Sirius XM - New York Internet

After thinking some more on this, the original poster's story simply does not make sense.

None at all. Much more to the story for sure.



There is no way that in itself, the charging of an expired credit card could cause a credit score drop of nearly 100 points. That is not possible.



Too much important information has been left out here.



For example, the OP stated the credit card was expired, BUT was the account still open or was it closed??



If the account was still open, the OP would surely have been getting monthly statements, right??



So, why did not the OP see these monthly charges on the statement??



What I see here is that the OP decided to cancel the Sirius subscription and had difficulty in getting that accomplished, so he closed the credit card account that it was being charged to. Now, that action could have caused a near 100 point score drop on the credit report as closing a seasoned account will do that.



Other that that possible scenario, none of the original story makes a bit of sense as it is not possible.



Furthermore, as long as you have good credit and still qualify for the credit card in question, renewal is automatic. The only things that change are the expiration date and the 3 digit security code on the back.



I have never been able to process a charge against an expired credit card. It simply is not possible from my experience.



Like I said, MUCH more to the story here!

If it is not legal to charge an expired credit card...then the only other thing Sirius could have done to effect your credit rating is report the default in payment to the credit bureaus which in all logic would bring your credit score down.

I hear ya.  I have spent close to 6 hours already on the phone, and each time I get promised a refund, but that they are unable to process the refund them self.  Every one I talk to is well aware of the situation and what is at stake, but it seems to me that there is a lack of care / coordination from Sirius XM corporate.  I have faxed, emailed, and called over to the corporate number and have not heard anything as of yet.

Tom,



You are getting way too stressed out over what is really a non-issue.

You are mixing the issues, and the required courses of actions.



I used to be in the mortgage industry, and can tell you a few things.



1. If there is a legitimate problem on your credit report, you can simply submit a signed affidavit describing the issue along with any documentation to back it up to your lender. This will allow an "exception" to be made by the underwriter and not count that item against you.



**NOTE** You are missing the real problem here. Your credit score will not magically increase after this is done. It will take AT LEAST 90 days to be fully reported and get you re-scored. It could take 5-6 months, in reality. Understand that, and be ready for it. Fixing this issue will not immediately raise your score, or help you with your current home purchase.'



2. Stay off the phone altogether with creditors and credit bureaus. You really need to create a paper trail in case you need to take legal action. Communicate only in writing and only via certified mail, return reciept requested. Put the certified# in the body of each letter and keep a copy for your records.



3. Expired credit cards cannot legally be charged. When that card expires, it is invalid. You never stated at to whether or not you had a current contractual obligation with Sirius that would have allowed the continued charging to your credit card.



In any case, you need to send written dispute by the means above to both your card issuer and Sirius and dispute the charges on that expired card altogether.



Do you not look at your credit card statements?

Does Sirius not have your billing info and personal contact info?? No letters or phone calls?

I find this highly unusual, and feel there is more to this story.



4. You earnest money is perfectly safe, and is fully refundable, by law, if you do not get the financing for your home. No reason to stress over that.



5. Send the same dispute to each credit bureau by the means above, and keep it short and sweet. Simply state that the charges were unauthorized as the card in question was expired. That's it. This is a real important step to take to get the fastest results in getting your credit score fixed. YOU MUST DO THIS IF YOU WANT RESULTS. Not optional. DO THIS TODAY!!!!!



In the mean time, chill out. You are getting way too stressed out for no reason at all. The people involved in the sale of the home to you and the people processing your mortgage most likely don't get paid unless the deal gets done, so it is in their best interest to make it work.



RELAX!!

...but if they charged your credit card regardless of how long it has been expired (that may be the only credit card they had of yours on file)  that may mean you did not properly cancel the subscription. Since they make their money based on subscriptions they are not going to cancel it for you and of course in a feeble attempt to survive as a business will try to collect the fees for said subscription.

One hurdle you face is customer service is outsourced to lord knows where and well...let's just say I would highly suggest you keep calling and demanding to speak to supervisors until you get someone who can clearly explain where you stand in this situation regardless if it takes hours or weeks.