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Experience with MRSBPO?


The last post in this topic was posted 747 days ago. 


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Hi everyone,


In late 2018 I got behind on two credit cards with Chase, which were eventually charged off in 2019. Original balances were ~3500 and ~4500. A few collection agencies had them, but most recently MRSBPO, and the offers kept getting lower to settle the accounts. It got down under 20% of the original balances, and since Chase doesn’t have arbitration in their contracts, I decided to pay and get that behind me. I gave them my debit info on 1/4, and they payment due date was 1/8. Here’s where it gets weird (or maybe not weird, maybe this is their MO).

They never took the money out of my account. Instead, Monday of this week (1/11, 3 days after the date they said they’d debit) I received a letter dated 1/5 saying they would debit it. Then today (1/15, Friday, 7 days after the date they said they’d debit it) I received a letter also dated 1/5 saying that I now have an account with them and that the payment does not satisfy the obligation. Both of these letters were generated before the due date.


Since it has now been almost two weeks since I gave them my debit card information (don’t worry, it’s an account specifically for collections) and they still haven’t tried to withdraw any money, I went ahead and cancelled the card. All the letters stated that the payments would be processed on 1/8.


Has anyone had dealings with MRSBPO, and more specifically, like this? I’m kicking myself that I actually tried to pay these turds, but I’d like to not get sued, and the SOL for affirmative defense doesn’t run out until end of 2022.


Any insight and advice greatly appreciated! Thank you!

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Ugh I already have to edit! I just checked my USPS Delivery emails, and I actually received the first follow up letter Thursday 1/14, not Monday 1/11. I’m not sure it makes a difference, but in the spirit of putting it all out there...  Everything starts to blend these days, I suppose.



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18 hours ago, cv91915 said:

Are you certain that this company owns the debt?  If so, how?

Actually, I’m not certain, but I believe that Chase still owns it, and MRS is collecting on their behalf. I’m basing it on:

1) The following language in their latest letter, “These payments will NOT satisfy your full obligation to JPMorgan Chase Bank N.A.”, and

2) I haven’t been notified that the debt is sold. I know they don’t always do that, but the last couple of credit cards that went south sent me letters stating the debt had been sold, and to whom. 
Also, theninformation that would be required to validate the debt is included in every piece of corrrspondence they’ve sent. I suppose I could formally request validation, but from everything I’ve read that’s an express train to Lawsuit Town when you’re as deep within the SOL as I am. I’m trying to not buy that ticket.


In my original post I forgot to mention that I’m in California.

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The last post in this topic was posted 747 days ago. 


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