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About MHaynes772

  • Birthday 12/17/1986

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    Nashville, TN

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  1. I also get a little nervous AMEX will cancel my acct with them when they see this. I spend up to $100,000 a month on my platinum. Spoke to a lawyer today who suggested suing them. I don’t think I have deep enough pockets to do such.
  2. Yes, was reported to all 3. No email for the auto-pay setup. I actually SIGNED UP AGAIN last night for reoccurring payment, no confirmation email or anything.
  3. So just to add to this weird ass situation, I just received in the mail today two letters from bank of America. The one dated Jan 7, 2019 is a letter saying they haven't received my Dec payment and to please pas as soon as possible to avoid collection efforts. The one dated Jan 8, 2019 is a letter saying "we've tried to contact you to request payment but unsuccessful. The irony is that when I called in the very beginning (I believe is was Jan 4) to figure out what the fcuk was going on, they had to update phone numbers and zip code that were incorrect on the account. Now, magically, I get these letters. The latest saying they'll have to send to collections if not received within 10 days of the Jan 8, 2019 postmark. Can I use this as ammunition in my dispute?
  4. The higher the credit score, the harder the fall. If you have a score in the 600’s, it’s a minimal fall with like 6 months to recover. If you’re over 800, it’s a 100+ ding They said itll take 3 years to recover half of what i had and 7 years to remove the late payment. Absolute fcuking bullshit
  5. I have filed a dispute with BOA. I actually went in person and met with a client relations manager who contacted the auto loan department on my behalf and filed the dispute. I have a case # and waiting to hear back. The crazy thing is, I signed up AGAIN for reoccurring payments last night, still no sort of confirmation emails or anything stating that it’s now active. But how the fcuk do you prove that when you have nothing to show? What also boggles my mind, is that while the client relations lady and I were on the phone with the auto loan department, I offered to pay off the loan right then if they removed the negative mark. No go. It was only a small loan of $28,000 with only $18,000 remaining. I do it on every vehicle I have for credit building purposes, that’s all. They are absolutely unreasonable and it’s the most frustrating thing that there is NOTHING I can do, or so it feels like. This is effecting my business and lines of credit approvals and also now higher interest rates which cuts into my profits. I feel fcuking helpless
  6. Did it cost a lot to get it cleaned up?
  7. Yeah just a simple google search will show you 100's of people who have had the same issue with BOA autograft. Unbelievable. fcuking pathetic company. I've done everything right in my life on my credit, multiple auto loans to build up, credit cards, etc and it is all ruined now. I will look into Lexington law
  8. I dont'. I pay thru the BOA app, and when I paid last time it ask if you want to set up a reoccurring payment, and I selected yes. After that, I just forgot about it, especially traveling thru the holidays for Christmas, NYE, etc. I went and spoke with a BOA representative in person today and they filed a claim. Im just trying to figure out why I was never notified before it went sent off to the credit bureau as a late payment. Is there any logic to hiring a lawyer to try and fix? I can't have a late payment on my credit for the next 7 years. They said it wouldn't be removed until 2025! Our fcuking credit system is a joke. I have heard of writing a 'good will' letter to the creditor asking for forgiveness of the one late payment and take into account the perfect credit history. People have said it has worked. Any other suggestions Im completely open to.
  9. Hey everyone, Just wanted to pick your brains for any expertise in this field. I have an auto loan through Bank of America, and have been paying on time for nearly 2 years. I've had 18 years of perfect credit history and an 815 score. In November I set my payments up on an auto-draft. Well a few days ago I get a notification from credit karma of a score change. When I look, I've been knocked down to a 684 score because of a 30 day late payment. When I called bank of america to figure out what was going on, they said auto-draft was not set up. When I asked why I was never notified, they told me their was two phone numbers on the account. 1 I have no clue what number it was, and mine, was typed incorrectly ending in a '9' instead of a '0'. They also did not have a zip code on the address on file. I paid what was due plus next month's to show good faith. Basically they said, 'tough luck'. I filed disputes with all 3 credit agencies, only to get a response yesterday that Bank of America said I was late and that was it, so no change. Is there any course of action because I cannot have this as a homebuilder being that I pull lines of credit all the time. Just needing some advice. Matt
  10. Rumor is the car is debuting on the 14th, we'll see what happens.
  11. Decided to go ahead and rent a Huracan. So glad I did. I took it up to the Hoover Dam and got to see it for the first time. Then drove back to Vegas and picked up a friend and we drove up Mt Charleston and had lunch in the snowy mountain side. It was such an insanely fun day! You all are very lucky to get to experience such an amazing car! Best money I've ever spent. Side note, I couldn't believe this car had 98,000 miles!! I can't imagine what severe beating this car would take (pun intended) on the re-sale market. IMG_0917-1.mov
  12. I went by today. Both 720s’s are down in the shop. Bummer. Only other cars that interest me is the Aventador and the Dallas performance Huracán. Don’t think I wanna pay those premiums to drive. Suuuuucks was really looking forward to driving the 720!
  13. Does anyone recommend any good exotic car rental places in Las Vegas. Ive been looking at Royalty Exotic Cars but I know there are others. I'll be there today through Tuesday. Looking to rent the McLaren 720s and maybe a few other cars if I get some buddies to come along. Thanks!
  14. MHaynes772

    Tuned Urus...

    Just wait until Underground Racing gets ahold of one ha
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