VF Still Reporting My Closed Account To Credit Agency

[b86]

I canceled my vodafone account after many years, a few months ago - due to poor customr service. However, recently I was applying for a mortgage, but was declined because of too many open 'accounts'. I didn't know what they were refering to.

So, I ended up buying a subscription to a credit checking service, and noticed that Vodafone are still reporting that I have an account open with them, but paying £0 a month. This is as good as having an unused credit card/store card on your account - because lenders will see the 0 and expect that it could rise to anything.

I rang up to explain this, and turns out they owed me £45 (or there abouts) - so Vodafone, was going to carry on keeping my account open, instead of just refunding me when my account was *closed* initally. Instead, my accounts been kept open, waiting for me the customer to ring asking for my refund and to close my account - even though I was unaware of this money owed to me, as Vodafone have made no contact to get in touch with me (my address and phone numbers are the same).

So, the girl on the phone has now issued the refund and *closed* my account, and told me they'll write to the credit agencies to fix the problem and should take around 30-45 days. I kind of explained that this has been a problem with Vodafone, unwillingly keeping me in a contract (what it looks like on my credit file), without my agreement, and as a result means my credit file will not be updated in 30-40 days, and therefore cannot apply for the mortgage up until that point. Not to mention, it now looking bad that lenders will see I am applying for what looks like lots of credit (due to re-applying). Unfortunatly, the girl on the phone didn't understand the issue....

The same thing has happend with Sainsbury's who actually went above and beyond in fixing the problem, and even went as far as compensating me as we've potentially miss out on a property we like, and to some degree tarnished my credit file.

I probably wouldn't of been as bothered as much as accidents do happen, it was when she was casually talking like it was just a simple refund and my credit score didn't matter....

[Roodog]

I am suffering the same issue (account closed 15 months ago, still showing on my credit report. I contacted customer services 6 months ago who said they would deal with the account closure but as yet nothing seems to have changed. 

[John]

@Roodog So we can take a closer look into your account, I've sent you a private message with details on how to get in touch.

[mickd93]

Hi

I am also having the same issue, my account was closed over 12 months ago, yet it is still showing as active on my credit file, can you please tell me how I can get this resolved.

Thanks

Michael

[Gemma]

@mickd93 - One of the credit specialists in my team can take a look into why it’s still showing on your credit report.

We’ll need to take your details securely. So that we can do this, please follow the instructions in this private message.

[andyh3930]

Thought I'd pop in to this forum to check the Vodafone were as bad as ever. Unfortunatley it appears I am wrong. You've got worse. I saw this thread, and seeing how poor your billing was when I made the mistake of signing up to your joke company I thought I'd check my credit file. 

And surprise, surprise. I've got the reocurring £0 report.

I want the details of contacting your Credit 'Specilist' team.

I would be polite in asking but whats the point? You can't serve customers without contempt so why should I be different??

(Trustpilot 82% Bad experience / 9% Excellent)

[ninja1890]

Hi my account is still showing as open on my credit report and it should have been closed back in 2013. Please can I have details to get this fixed.

Thanks in advance

[Konstantin89]

Hi Gemma,

Unfortunately I have the same issue. Cancelled my contract months ago - still occuring as an open account on both sites, Equifax and Experian.

Could you please send me the details of your specialist team.

Thank you very much,
Konstantin

[Tash]

@Konstantin89 I've now sent you a private message with the details to contact our dedicated Credit File team. They'll be in touch as soon as possible to help with your query once they receive the requested infromation.

[dazlicous]

I having this issue too. Account was closed almost 3 years ago but showing open still

[Jenny]

@dazlicous I’m sorry to hear this hasn’t been closed. So we can look into everything fully, please follow the steps in the private message I’ve sent to you.