HELP! Trident Asset sent back "Validation" I think??? HELP PLEASE

[A1luv1923]

Ok, so Trident Asset Management was reporting on my credit report for a debt for $270.00. It states that is was from 2009 from OC Abramn Glass. I do not recall making this purchase at all. So long story short I sent them a validation letter. A week letter I receive the letter back from them with a copy of a check that I clearly did not fill out but it also has my drivers license number on it, that I clearly did not write. It is not my signature on the check and not my handwriting at all, but it is a copy of a check in my name. The first sheet before the copy of the check reads as follow:

 

(There Address)

 

April 30, 2013

 

(My name and address)

 

Original Creditor: ABRAMN GLASS
Current Owner: OPS 9,LLC

Check Date: 5/22/2009

Trident Account #: *************

 

Dear(My name)

 

Please be advised that OPS 9, LLC has purchased the above-referenced account and placed it with our office for collections. As of this date your account balance is $270.00.

 

Call us toll-free at 1-866-***-**** between the hours of 9:30am and 5:00pm EST to discuss this seriously delinquent debt or you can make your payment by money order to the above address or pay with your debit/credit card at www.tridentasset.com using your Trident account number.

 

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.

 

Your attention and cooperation in this matter will be greatly appreciated.

 

Collection Manager

Trident Asset Management, LLC

 

 

 

(His Signature)

 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.

 

Second Page: (A copy of the validation letter I sent)

Third Page: (A copy of the disclosure request form I sent)

Fourth Page: ( A copy of the check I supposely sent)

 

 

PLEASE HELP! WHAT DO I DO NEXT????????

[Rebuilding2010]

File a police report, dispute as fraud?

[futurehomeowner?]

was this check drawn on your bank account? Is this an actual check or one that was paid for over the phone and they generated it?

Was this something that was delivered?

[ps2779]

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.

 

PLEASE HELP! WHAT DO I DO NEXT????????

 

Send them a(nother) debt validation letter. Do it within 30 days of your receipt of this letter. Keep the letter and envelope it came in (maybe include a copy of that with your 2nd DV letter). If they send another collection letter... DV them. If another, sue them for violations of FDCPA 1692e - False and Misleading Representations of the debt, and 1692g(b ) - attempting to collect on a disputed debt. Let them try to enter that "check" as evidence in court (see how good their Photoshop skills are).

Edited May 5, 2013 by ps2779

[ICANHASMUNY?]

Ok, so Trident Asset Management was reporting on my credit report for a debt for $270.00. It states that is was from 2009 from OC Abramn Glass. I do not recall making this purchase at all. So long story short I sent them a validation letter. A week letter I receive the letter back from them with a copy of a check that I clearly did not fill out but it also has my drivers license number on it, that I clearly did not write. It is not my signature on the check and not my handwriting at all, but it is a copy of a check in my name. The first sheet before the copy of the check reads as follow:

 

(There Address)

 

April 30, 2013

 

(My name and address)

 

Original Creditor: ABRAMN GLASS

Current Owner: OPS 9,LLC

Check Date: 5/22/2009

Trident Account #: *************

 

Dear(My name)

 

Please be advised that OPS 9, LLC has purchased the above-referenced account and placed it with our office for collections. As of this date your account balance is $270.00.

 

Call us toll-free at 1-866-***-**** between the hours of 9:30am and 5:00pm EST to discuss this seriously delinquent debt or you can make your payment by money order to the above address or pay with your debit/credit card at www.tridentasset.com using your Trident account number.

 

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.

 

Your attention and cooperation in this matter will be greatly appreciated.

 

Collection Manager

Trident Asset Management, LLC

 

 

 

(His Signature)

 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.

 

Second Page: (A copy of the validation letter I sent)

Third Page: (A copy of the disclosure request form I sent)

Fourth Page: ( A copy of the check I supposely sent)

 

 

PLEASE HELP! WHAT DO I DO NEXT????????

 

 

is this a check from your checking account - or is it a fraudulent chack on a bank acccount you never opened?

 

I assume that if you had bounced a check for $270, you would have received a notice from your bank long before now.

 

if you have a copy of the check , then you have the bank name, the account # and a signature.

 

dos this check have a name and address on it also?

 

you need to contact the BANK issuing the check with an ID theft letter.

 

you need to send a FACTA dispute letter to the JDB.

 

I very much doubt there is only one check out there that bounced.

 

it's illegal to sell accounts that were the subject of ID theft. the bank will have to recall this from the JDB, ( they stated it was purchased )

 

couple letters in the ID theft and sample letter forum, follow the advice there.

 

have you checked you Credit reports lately for accounts or inquiries you don't recognize?

 

if not, you need to do that.

 

and

[A1luv1923]

It was one of my checks from an old account I had years ago. It has my name and address on the check. It looks like it was actually my check but I did not feel it out. I know the account that the check came from was closed long ago, but I did not give this check to the OC. It is an actually copy of a check which I do believe was given to this OC, it just wasnt given to them from me. I dont even live in the same state where this incident occurred. I use to live in Minnesota, but now I live in texas. So if it was so long ago, do I still file a police report in texas? Do I contact the bank or the OC after almost 3 years? Thanks for the responses, but I am still a little confused as to what the next steps might be. Can someone please just give me step by step because this is not my debt, but it is my check, but it is not my handwriting or signature, but it is my drivers license number wrote on the check, but I did not fill this check out and give it to anyone, but I did mess my account up but that was long ago, so I dont know how my checks got in the hands of someone else, but I just need to know step by step what I should do next. Please, and thank you

[ICANHASMUNY?]

you need to contact the bank, and get documentation

 

did you live in that state when the incident occured?

 

when did the account close and was the check written afterwards?

 

what kind of trouble did you have on that account - do you still owe that bank money for overdrafts?

 

you're going to have to write the CA that this is not your signature and that this was check fraud, that the account was closed on xx-xx-xxxx.

 

and if you lived at a different address/ state when the check was written , state that.

 

if you never made a purchase at that store, state that.

 

the only Abram's glass I can find is in Arkansas - where is the business located?

 

did they send you a copy of the back of the check showing whick bank Abramn Glass originally deposited this in?

 

 

and you willl need to file a police report on it. and send that thru

 

who do you think could have written this check who also had your Drivers Lic?

 

have you checked your Credit reports yet?

 

if there is other signs of ID theft - that will bolster your case with this check.

[A1luv1923]

you need to contact the bank, and get documentation WHAT INFORMATION DO I REQUEST FROM THE BANK

 

did you live in that state when the incident occured? I USE TO LIVE IN THE STATE WHERE IT OCCURRED, BUT I NO LONGER LIVE THERE

 

when did the account close and was the check written afterwards? I DO NOT REMEMBER EXACTLY WHEN THE ACCOUNT CLOSED BUT IT HAD TO BE WRITTEN AFTER OR I WOULD HAVE SEEN IT

 

what kind of trouble did you have on that account - do you still owe that bank money for overdrafts? I DO STILL OWE THE BANK BUT THEY ARE NOT REPORTING ON MY CREDIT REPORT, BUT IT CLOSED WITH A NEGATIVE BALANCE

 

you're going to have to write the CA that this is not your signature and that this was check fraud, that the account was closed on xx-xx-xxxx. DO I CONTACT THE BANK BEFORE I TELL THE CA THAT THIS IS NOT MY SIGNATURE AND IT WAS A FRAUDELENT CHECK?

 

and if you lived at a different address/ state when the check was written , state that. IT SHOWS THE CHECK WAS WRITTEN IN 2009, AT THE TIME, I STILL LIVED IN MINNESOTA WHERE THE CHECK WAS WRITTEN

 

if you never made a purchase at that store, state that. DO I STATE THIS TO THE OC OR THE CA OR BOTH

 

the only Abram's glass I can find is in Arkansas - where is the business located? THIS INCIDENT OCCURRED IN MINNESOTA

 

did they send you a copy of the back of the check showing whick bank Abramn Glass originally deposited this in? YES, IT SHOWS WELLS FARGO BANK WAS WHERE IT WAS DEPOSITED

 

 

and you willl need to file a police report on it. and send that thru DO I FILE A POLICE REPORT WITH THE MINNESOTA POLICE OR DO I FILE A POLICE REPORT IN TEXAS WHERE I LIVE NOW?

 

who do you think could have written this check who also had your Drivers Lic? I TRULY BELIEVE IT WAS MY EX. I DONT HAVE ANY PROOF, BUT I CANNOT THINK OF ANYONE ELSE THAT WOULD KNOW MY INFORMATION OR HAVE ACCESS. UNLESS IT WAS SOMEONE AT A BUSINESS OR SOMETHING, I DONT KNOW

 

have you checked your Credit reports yet? YES, I DONT SEE ANYTHING ELSE THAT LOOKS LIKE FRAUD, JUST A COUPLE THINGS THAT I AM AWARE OF THAT ARE PROBABLY JUST NOT CORRECT DATES OR BALANCES.

 

if there is other signs of ID theft - that will bolster your case with this check. I DONT SEE ANYTHING ELSE BUT THIS ONE INCIDENT THAT IS NOT MINE

[ICANHASMUNY?]

You are going to have a tough time with getting any information out of the bank if you still owe them money.

 

if you were still married to your EX at the time, you'll have a tough time with the fraud complaint.

 

this is still within the SOL for both states - 6 years in MN, 4 years in TX.

 

I think you should just explain the situation to the CA/ lawfirm and state that you didn't write the check didn't sign it, the checking account was closed at that time,

 

and believe this was check fraud by your ex husband - you don't know anyone else who had access to your checks or your DL number

 

if you were in the middle of a divorce, or already divorced then state so.

 

you can ask what was purchased with this check -

 

I think you're going to have to pay it or make a settlement offer to keep from being sued. this isn't like a CC debt.

 

it's entirely possible that your EX used more than this one check and that there are others floating about that you haven't been contacted on.

 

your Ex may have also changed the address on the account so that you were not notified of these bounced checks.

 

there's a sample letter regarding settlement offers to JDB's -in the sample letter forum you're going to have to modify it extensively,

 

and I suggest you do that and post it here, on this thread before you send it out.

 

( just leave out names, account #s etc. )

 

you're taking a big chance to contact the bank - if you owe them money they could sue also.

[A1luv1923]

Okay thank you sooooooo much. That does make sense. Now when I do the settlement offer, do I ask to pay the full amount or should I offer a lesser amount and should I also ask that the item be removed from my credit report. I know that a paid debt on my credit report does not do anything really but show paid, therefore it would be a waist of time to pay it. How should I go about this settlement and I really hope there are no more checks. I will just have to pray about that one, but I will definitely be willing to pay it, just to make it go away. What do you think?

[ICANHASMUNY?]

you can try for PFD , but you're going to have to sound credible, sincere and sympathic

 

make a 50% offer and see if they bite - they only paid cents on the dollar for this account -

[A1luv1923]

Okay, I will write my letter tomorrow and post it here. Thanks!

[A1luv1923]

Okay I have finished my letter, please let me know what you think?

 

 

COLLECTION

address

city, state

 

re:collection account for abramn glass

acct #

amount: 270.00

 

To Whom It May Concern:



I have received correspondence from your company in regards to a debt for an
account that I am not aware of. I do see that the check was filled out and
signed by someone, but it is not my signature nor my handwriting on this check.
I do believe that this is a case of fraud committed by my ex-spouse. I was not
aware that he had been writing checks in my name and utilizing my information.
I am fully aware of the steps to take to handle this situation, but I would
prefer to resolve this issue now, rather than wait a long period of time.
However, I do want to make you aware that this letter is to inform you that the
validity of this debt is disputed.

 

SETTLEMENT
OFFER



In the spirit of compromise, I am willing to pay 50% of this account to satisfy
this debt. This is my settlement offer
to Trident Asset Management, if you agree to immediate deletion of this
account from any and all credit reporting agencies (Equifax, Experian and
TransUnion). The purpose of this settlement is merely to have this item removed
from my credit files. It is not to be construed as an acknowledgment of
liability for this debt in any form.



If you agree to the terms and accept this agreement, certified funds for the
settlement amount of one-hundred thirty-five dollars ($135.00) will be sent to Trident
Asset Management in exchange for full deletion of ALL references regarding
this account from my credit files and full satisfaction of the debt. As
certified funds will be used for payment, there shall be no waiting period
regarding the deletion of this account from the credit reporting agencies.



Trident Asset Management agrees to delete ALL information regarding this
account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS
following receipt of payment as specified above and will not discuss the terms
of this settlement with anyone, excluding your client on this account. If
contacted by any third party, including credit-reporting agencies, Trident Asset Management will not acknowledge that any
settlement offer was made, accepted or executed and will, in fact, deny
knowledge of any such account.



If you agree to the above terms, please prepare a letter on your company
letterhead explicitly agreeing to the same terms as the above settlement offer
and have it signed by an authorized representative of Trident Asset
Management. It will be implied that this letter shall constitute a legally
binding contract, enforceable under the laws of Texas.



Your response must be postmarked no later than 15 days from your receipt of
this settlement offer or this offer will be withdrawn and I will request full
validation of this alleged debt, as provided for by the Fair Debt Collection
Practices Act.



Please address all correspondence regarding this account to:

 

MY ADDRESS

[ICANHASMUNY?]

I have received correspondence from your company in regards to a debt for an
account that I am not aware of.

 

I do see that the check was filled out and signed by someone, but it is not my signature nor my handwriting on this check.

 

I do believe that this is a case of fraud committed by my ex-spouse. I did not give him permission, nor anyone else to write checks in my name.

 

I was not aware that he had been writing checks in my name and utilizing my information. (were you separated at the time, or in the middle of divorce proceedings ? if so , state that too. )

 

I am fully aware of the steps to take to handle this situation, check forgery, but I would prefer to resolve this issue now, rather than wait a long period of time.; filing criminal complaint or prosecuting my ex husband for check forgery

However, I do want to make you aware that this letter is to inform you that the validity of this debt is disputed, since this was a case of theft, and did not recieve any benefit by what ever purchase was made.

 

 

 

 

 

 

and I will request full
validation of this alleged debt, as provided for by the Fair Debt Collection
Practices Act.

you already have that when they sent a copy of the check - that's all they need to do - you are now disputing the debt with specificity, which you are allowed to do.

[A1luv1923]

OK thank you so much. I will revise the letter and get it sent off. I will let you know the results once I receive a response.

[A1luv1923]

Oh last question, should I attention it to the collection agent that sent the letter to me. His name was signed at the bottom of the letter

[ICANHASMUNY?]

yes, do that.

[A1luv1923]

Okay thanks! Your the best!

[JunkBuyersWorstNightmare]

I have received correspondence from your company in regards to a debt for an

account that I am not aware of.

 

I do see that the check was filled out and signed by someone, but it is not my signature nor my handwriting on this check.

 

I do believe that this is a case of fraud committed by my ex-spouse. I did not give him permission, nor anyone else to write checks in my name.

 

I was not aware that he had been writing checks in my name and utilizing my information. (were you separated at the time, or in the middle of divorce proceedings ? if so , state that too. )

 

I am fully aware of the steps to take to handle this situation, check forgery, but I would prefer to resolve this issue now, rather than wait a long period of time.; filing criminal complaint or prosecuting my ex husband for check forgery

 

However, I do want to make you aware that this letter is to inform you that the validity of this debt is disputed, since this was a case of theft, and did not recieve any benefit by what ever purchase was made.

 

 

 

 

 

 

and I will request full

validation of this alleged debt, as provided for by the Fair Debt Collection

Practices Act.

 

you already have that when they sent a copy of the check - that's all they need to do - you are now disputing the debt with specificity, which you are allowed to do.