Even though this was posted early in the thread, I feel that this is an important statement. Just to clarify to everyone, a CA does NOT "send an account back to the OC to validate". They only get rid of an account like this when they CANNOT validate it. There was a validation request made by md here, and they immediately got around that request by getting rid of the debt. It then went back to the previous creditor, who then got rid of it to yet another CA. This is important, folks--this is what is happening with the accounts you are getting called about. When a debt cannot be properly and legally validated, the CA just offloads it into someone else's lap, and the fun begins all over again. When this happens to you, stick to your guns!! Send each new CA that tries to collect from you a validation demand letter. And each time, when they cant validate it like in this case, you will just get shuffled off onto the next junk debt buyer.
Very important--NEVER FAX OFFICIAL DOCUMENTS TO A CA. You need to make sure that you have proof that they received what you sent. Always send any letter or documentation via certified mail return receipt requested, so you can prove they got what you sent. This company probably did not give an address specifically so that it would make it harder for you to send them a DV letter. They think that if they can make it hard enough, you will just give up and pay them. Dont fall for that!
Spektakularr--no, he cannot press fraud charges against you. Your PDL is a civil matter, and criminal arrest does not occur with a civil matter. There is not a single way in the world that these people can have you arrested for this. Not one. They just used a scare tactic on you to try to get you to pay them immediately. Dont fall for it. That entire telephone call sounds like one giant violation of the FDCPA--federal law that protects you from these morons. Next time someone asks you if youre recording the call, tell them you are. Often they will just hang up! About calling your work, you need to send them a letter immediately, demanding that they cease and desist from calling you. Inform them that any communication from them must be by US mail. Reiterate that they are not allowed to call you at your home, your place of business, or anywhere else. Federal law requires them to stop calling once they receive this letter. Be sure and send it certified mail return receipt requested, so you can prove that they got it. If they call after they receive the letter, then you need to think about getting an attorney and suing them. Seriously. The violations you have already mentioned are very aggressive and completely ridiculous, and you have the legal right to sue them and get money paid to you from them for those violations.
Donna--here is the contact info for this company:
Corporate Headquarters:
1st Credit of America
300 North Elizabeth
Suite 220B
Chicago, Illinois 60607
Toll Free: 1-866-505-CofA (866-505-2632)
E-Mail: info(at)1stCofA.com
About the bank--once the payment clears, you can go back to them and file a complaint about it. It does not matter one bit if they had the correct information--they need your permission in addition to that. Tell the bank that they had the correct information from a previous agreement but that they did not have any authorization whatsoever to take the funds this time. They are required to look into that.
Linear Mode
