txgrl2009

No. It was an ebay business and the merchant account was under my personal name and SSN. I didn't have a physical machine - only an online payment gateway. Any way, what I'm wondering at this point is if you are trying to dispute a debt that is invalid can the CA refuse to provide you with the information needed to do so - such as and address or fax number to send the papers to?

umm read again.. she/he didn't get the money from the merchant services that was charged to begin with and therefore owes them nothing.. Thank You. I tried to provide them with documentation in the form of bank statements today to prove this, but the CA agent refused to provide a fax number where I could submit my paperwork to prove the debt to be invalid. Is this legal?

I also don't know who to hold responsible for this - The CA or the original creditor? Or both?

I got their bogus letter which was "proof of deposit". I've been dealing with the CA. It's impossible to get ahold of cardservice directly. I've tried e-mailing and contacting the original man that I spoke to in fraud management whom told me the charges would not go through. At this point I've tried everything. The CA doesn't care that I have proof that the debt was invalid and literally said "don't bother" when I asked for his fax number. I'm thinking a law suit may be the best solution, but I'm not sure if I have a case.

I'll make a long story short. I had an ebay business for a short period. I got setup with a cc processing company called Cardservice International. I only made 4 charges using this merchant account. They were large because I sold bulk electronics. The total of the 4 charges was $16,000. The company never deposited any of this into my bank account. The day after the charges were originally made I got a call from a man named Jason in their fraud department whom said the charges were being investigated and that if I wanted the funds I would have to ship the product first. I never agreed. So the funds were NEVER deposited and I blocked their access to my checking account through my bank and went on with my life. Now 3 years later they claim I owe them the $16,000 that they never deposited into my account in the first place! I've been battling this for a year now with their collection agency - Allen & Associates. Today they mailed me a list of supposed "deposits" into my account. Although if you ask me it's not too hard for them to print up a piece of paper with my account number on it and a dollar figure next to it. It is not a bank statement or any other certified document that they sent me. So I went to my former bank and obtained records from this time period to prove that the deposit was never made. Allen & Associates told me not to waste my time sending them my bank statements and that they were going to sue me so that I should just go ahead and save these papers for my records and give copies to my attorney. This false $16,000 debt has hurt my credit score tremendously and the fact that they won't even accept my copy of my bank records to prove the deposits were never made is frustrating. The man on the phone also "claimed" that a representative from my former bank would be present to pledge the deposits were made although I think he has to be lying because they were not made so it's impossible. I've spoken to my bank and confirmed this. I paid for 3 copies of my former statements to prove this as well. Help I really need some legal advice!