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pidgeynerd

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  1. they are supposed to have procedures in place for stopping these robo letters once a FDCPA DV is received. Agreed, they may have just blown it with that letter. I can use this to sue them now right?
  2. I just called the collector and they said it was some auto generated letter. They know they are required to respond with validation and they said they may repsond shortly. They said that the debt is still marked internally as disputed.
  3. So I just received another letter from the collector but all it says is the debt is eligible to be reported to the credit bureaus and saying I should pay it. They didn't validate anything or say anything about my DV letter. What should I do now?
  4. Update: Hi everyone - I sent the validation letter in and confirmed they received it. I also have my return receipt as well. Now I just wait and see what they do. Thanks for all the help and advise you gave me!
  5. How is that different? Also in the validation letter I included something about reporting false information to the credit agencies and intent to sue if this negativity effects me.
  6. How would I find that out? The CC used was Visa. What happened when you called the bank that issued the card and told them that after finding in your favor on a charge-back this merchant sent you to a collection agency? They basically said they are not responsible for the actions of a Merchant. However I will give them a call back and see if I can get to someone willing to help. The person I talked to was not helpful at all. STAY OFF THE PHONE WITH THE CA you in Ohio ? you still have that dress that was damaged ? take a photo of it send it to the CA . address the letter to the attention of the Compliance officer ( this is the CA? ) Ms. China Morgan, Compliance Officer Choice Recovery, Inc. 1550 Old Henderson Rd Ste 100 Columbus, OH 43220-3626 RE- account # ____________________ Dear Ms. Morgan I have received a collection letter from your firm regarding this account - and made a few calls to your representatives & failed to resolve this matter This account is in regards to a credit card charge back, because the clothing purchased online was shipped was not what was advertised, and I refused to pay for such. It was _________________, _______________ and ___________________. please see attached photo. Your firm is performing collections for an account that is in violation of Ohio Law, ( if you're not in Ohio, find your state consumer law or UDAP's and use it below ) Ohio Revised Code Chapter 1345: CONSUMER SALES PRACTICES - 1345.02 Unfair or deceptive consumer sales acts or practices prohibited. (2) That the subject of a consumer transaction is of a particular standard, quality, grade, style, prescription, or model, if it is not; 1345.03 Unconscionable consumer sales acts or practices. B (7) Whether the supplier has, without justification, refused to make a refund in cash or by check for a returned item that was purchased with cash or by check, unless the supplier had conspicuously posted in the establishment at the time of the sale a sign stating the supplier's refund policy I offered to ship the dress back and they refused to accept it . Should your Office continue to make false representations to the credit reporting agencies that I am obligated on this account, I will file complaints with the Ohio State AG, the CFPB and turn this over to an attorney for review and legal action in Federal court. Sincerely your printed name , address. So I should send this letter after I send the validation one?
  7. Signing a letter mailed to CA is way different than signing a letter mailed to CRA. When dealing with CA never sign anything. PERIOD. sent from encrypted device +100. Live proven example of how important Validation vs. Verification happened to me personally and the results came in (TODAY-few minutes ago) Last month I mailed DV to CA for an account (that have been hurting the score of EQ - EX - TU for both me and my wife for over 9 months) Before I joined the CB in October 2016 I disputed this account and it came back VERIFIED with bla bla bla from both CA and CRAs. Once i joined the CB and learned the importance of Validation and the difference between Validation vs Verification, I fired off my 1st Validation letter to the CA back in December 13, 2016. Few minutes ago today 1/12/2017 (right before the 30th day mark) I got notification that the entire account have been removed and deleted from EQ and TU (I called both CRA EQ and TU and spoke to the agent and they confirmed the collection account was removed by THE COLLECTION AGENCY themselves back in mid December 2016 'when I mailed them my DV) My score just jumped 37 points and so do my wife. I am just waiting on Experian to update. VALIDATE .. VALIDATE .. VALIDATE Wow that is awesome! I have my letter drafted and will be mailing it tomorrow. I guess so, the Merchant is located in India with no presence in the US. They gave a fake US address in the collection notice I got - a business building in California. However, I called and found out they are not there and the Suite number they used is actually home to a completely different company. INDIA ???? I personally believe this debt is OUT OF JURISDICTION .. anyway remember to NOT put your social security number on the DV letter you drafted. You don't want your SSN ends in UK, Nigeria, or even India. Yup, got it!
  8. Signing a letter mailed to CA is way different than signing a letter mailed to CRA. When dealing with CA never sign anything. PERIOD. sent from encrypted device +100. Live proven example of how important Validation vs. Verification happened to me personally and the results came in (TODAY-few minutes ago) Last month I mailed DV to CA for an account (that have been hurting the score of EQ - EX - TU for both me and my wife for over 9 months) Before I joined the CB in October 2016 I disputed this account and it came back VERIFIED with bla bla bla from both CA and CRAs. Once i joined the CB and learned the importance of Validation and the difference between Validation vs Verification, I fired off my 1st Validation letter to the CA back in December 13, 2016. Few minutes ago today 1/12/2017 (right before the 30th day mark) I got notification that the entire account have been removed and deleted from EQ and TU (I called both CRA EQ and TU and spoke to the agent and they confirmed the collection account was removed by THE COLLECTION AGENCY themselves back in mid December 2016 'when I mailed them my DV) My score just jumped 37 points and so do my wife. I am just waiting on Experian to update. VALIDATE .. VALIDATE .. VALIDATE Wow that is awesome! I have my letter drafted and will be mailing it tomorrow. I guess so, the Merchant is located in India with no presence in the US. They gave a fake US address in the collection notice I got - a business building in California. However, I called and found out they are not there and the Suite number they used is actually home to a completely different company.
  9. How would I find that out? The CC used was Visa. What happened when you called the bank that issued the card and told them that after finding in your favor on a charge-back this merchant sent you to a collection agency? They basically said they are not responsible for the actions of a Merchant. However I will give them a call back and see if I can get to someone willing to help. The person I talked to was not helpful at all.
  10. Are you sure I shouldn't sign the DV letter? Every template I have seen is very similar to yours and they say to sign it. I just don't want to make sure I send it correctly. Edit: Never mind, I looked it up and saw that it doesn't bring any benefit. It just gives the CA the ability to lift it.
  11. What is likely to happen after I send this? The letter they sent to me after asking for debt verification was order details of the online purchase which shows what I ordered and my payment (Credit Card) information. It appears to be from the merchant along with screenshots from their websites. Does that not qualify as "debt validation"? If so what would they need to provide for "debt validation"? How would I find that out? The CC used was Visa. The merchandise was not returned but that was because the merchant stopped responding when I complained and started to ask for a resolution.
  12. I found this: http://www.creditinfocenter.com/forms/sampleletter9.shtml When I requested proof of debt over the phone, they sent something from the vendor showing the order details etc. Does that not count as validation? Sorry I don't know too much about this so if you could explain it to me that would be great!
  13. The collection agency is Choice Recovery dot com And the merchant turned it over to them which after doing research I found out that this can happen.
  14. I need some help and advice. I purchased a dress from a clothing merchant in Asia that ended up being incorrect and damaged. Naturally I asked for a refund but they never responded - they of course didn't want to do it. So I filed a charge back with my credit card and won! So I got my money back, but after a year and a half passed I got a notice from a collection agency stating that I had to repay the debt. How should I handle this? Is it even worth the time and energy for ~$150? The collector said that I have 30 days till it gets posted against my credit score and I don't want that to happen. I only have a little over 2 weeks left. Also something to note is that the Credit Card used isn't mine but is my parents (used with their permission of course). So even though they have my name on the order and shipping address etc. the credit card and payment technically isn't mine. My parents went through the charge back process, I just helped them out through the whole thing. I still need to make sure that nothing happens to their credit but they don't even have their names. The collection agency addressed the debt to me (since it was ordered and shipped in my name). Any help would be greatly appreciated.

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