I was looking at apartments a year ago, and found the "perfect" apartment online. However, I couldn't go look at it until the following weekend. Unfortunately, the apartment had already been listed for a while, and I was worried that someone would grab it before I had a chance to look at it. I asked my locator agent if there was anything I could do. She looked into it and told me that I could temporarily put a hold on it until I had a chance to look at it. I agreed and put down the roughly $300.
Fast forward to the following day, I still haven't looked at it or anything, but I get a call from the property saying that my keys were ready. WTF? I explained the situation to her and she informed me that not only did I apply for the apartment, but the nearly $300 I spent were a non-refundable admin fee for applying, not a hold. Needless to say, I called my locator confused. She told me that she was sorry but that she must have misunderstood and there was nothing she could do...
I called my bank, told them the whole story, and they opened an investigation into it as a fraud case. A month or so later I got a letter from the bank saying that they agreed it was fraud and refunded the money in full.
However, that was not the end of the story. Fast forward to a few months ago, and I started getting called from a collection agency collecting the $300 on behalf of the apartment complex. I initially ignored them, big mistake, and there is now a collection for $300 on my credit profile.
Let's get the easy stuff out of the way. Yes, I am young and an idiot who doesn't understand what I'm spending money on and that's why these things happen to me. I'm not even mad or anything because I know I'm an idiot and this is all my fault.
Having said all that, this is hurting my credit and I'd like to do something about it ASAP, but I'm not sure where to begin.