EOS CCA sends back settlement offer for Validation Request

[A1luv1923]

Hello everyone, I am writing because I am just a bit confused as to what I should do next. I have two debts with the same company. I sent off two different validation letters to EOS CCA for two different debts. For one of the validation letters for a century link account, they sent back a settlement offer rather than validation. I have yet to receive response from the second acct, so hopefully they just remove it. But long story short...

 

They "claim" that I owe 172.88. Rather than send validation back, they sent a letter stating they are willing to settle this debt for $69.15. That is a wonderful offer and I am willing to pay the amount. Now to my problem. I do not want to pay the amount and the item is still on my credit report because in reality I believe that they cannot validate this item. I am unaware if I should push for validation or send my own PFD. I am willing to pay the amount only if it is removed. Can someone please give me there input on what they think I should do?

[phoenixisrising]

Did you send your revised version of the following link?

 

http://creditboards.com/forums/index.php?showtopic=500993

[A1luv1923]

No, I just sent a standard validation letter and received a settlement offer back.

[encoder]

PM me if you want a contact there.

[Concrete]

Example letters are great, but only to use as an example, otherwise you'll just be laughed at.

 

Why settle when you they can't validate? Settling sounds great, but paying nothing and a deletion, AND they pay you sounds even better, LOL.

 

Do not settle with them, they've shown their weak hand! Do a little research on improper validation and continued collection activity before you send the next letter.

[A1luv1923]

Okay, thanks.... I will post my updated letter here when I complete it.

[SouthernTreat]

They "claim" that I owe 172.88. Rather than send validation back, they sent a letter stating they are willing to settle this debt for $69.15.

 

What is the SOL on this one?

 

There may be something in the wording of the settlement offer indicating they are willing to "not" fight you if you dispute the account with the CRA after you pay them. Any clues?

 

I have yet to receive response from the second acct, so hopefully they just remove it.

 

How long ago did they sign the green card?

Edited May 15, 2013 by SouthernTreat

[A1luv1923]

Ok, so I sent an email to one of the representatives of eos cca.

 

I received a response back today

 

stating "our client, century link, placed the above referenced account with our office on 04/26/2013. (LIE) The account has since been closed and returned to the client, and as such, our office will not contact you any further. EOS CCA did not report to the credit bureau. If you have any further concerns, please contact my office at" .......

 

My question is how do I know that it is completely removed from my credit report, just request another copy?

[SouthernTreat]

Ok, so I sent an email to one of the representatives of eos cca.

 

I received a response back today

 

stating "our client, century link, placed the above referenced account with our office on 04/26/2013. (LIE) The account has since been closed and returned to the client, and as such, our office will not contact you any further. EOS CCA did not report to the credit bureau. If you have any further concerns, please contact my office at" .......

 

Was this their response for both accounts? If not, which one?

[A1luv1923]

It was just in response to the century link account, but I did pull my credit report like I was filing a dispute and the other one is not there, but the century link one was still there. I replied to her email informing her that it was still showing on my credit report, but I have yet to receive a response. So I will wait until Monday the lastest and if she doesnt respond, send another email.

[Mike R.]

It was just in response to the century link account, but I did pull my credit report like I was filing a dispute and the other one is not there, but the century link one was still there. I replied to her email informing her that it was still showing on my credit report, but I have yet to receive a response. So I will wait until Monday the lastest and if she doesnt respond, send another email.

 

You really should take this to postal mail. Just sayin'

[A1luv1923]

Well I have copies of the emails and I do believe that it will be removed and I only utilized one email contact, I actually have a higher contact that I did not utilize. I only get canned responses when dealing with postal mail, so this was just another avenue.

[A1luv1923]

***UPDATE****

 

I have pulled my credit reports and one of the collection accounts was REMOVED. I have now just sent another email referencing the other account. I will let you know what happens when I receive an update or the steps I will take if I don't.

[A1luv1923]

***** UPDATE*****

 

Both accounts have been removed from all of my credit reports. Yayyyyyyyyyy... Now that's out the way... On to the next one... :-)

[MoneyDance]

Do you mind sharing that contact email? I have an account with them dated back to 2008 that I really want off of my report NOW!!

[shabario]

***** UPDATE*****

 

Both accounts have been removed from all of my credit reports. Yayyyyyyyyyy... Now that's out the way... On to the next one... :-)

Hello,

 

Can I get the email u used?