IDT Carmel Inc wrongly bugging me for a closed old account
Date: Tue, 05/22/2007 - 00:57
Well after my jaw came off the floor I asked why. She asked if I ever had a US Bank Checking account. I told her yes, and that I had closed the account in early 2003. She stated that for some reason (she did not know why) I owed them (US Bank) $655.78 and IDT Carmel Inc 165.83 in additional fees "How would you like to pay that today?"
I then told her that I CLOSED my account and in the 4 and a half years since I CLOSED the account, opened (and still maintain) two checking accounts. I asked how was it possible I owed a bank that much money and I was still allowed to open a checking account. She said she was not certain... "How would you like to pay?" The conversasion ended with me telling her I would dispute the matter and she asked if I wanted thier mailing address. I told her no I would just dispute with the credit agencies and she told me if I didn't send them a letter the calls would continue. I told her I didn't mind if the calls continued, because I wanted to keep them in the loop.
I opened the account in Tennessee while I was a student maintaining Georgia Residency and closed it after a few months BECAUSE US BANK IS THE WORST BANK I HAVE EVER DEALT WITH! (I did say a few choice things while I was closing my account maybe this is revenge?)
Anyway, what do I do? I am currently in the application process for a government job which requires security clearance and if I show a "Willfull disregaurd for paying financial obligations" I can kiss it goodbye. I have run all three credit reports and this does not show up anywhere on any of them.
Please help (Sorry for the long post but I thought more information was better than less)
Thanks!
PS> Sorry for the spelling and grammer
Removed personal name from post. Cajunbulldog
BILL COLLECTORS
You probably shouldnt just ignore msgs that collectors leave. If they have workied for a certain company before they can give advice on how to handle that company and tell you if it a legitamate company at all. I work for an agency that in 3rd party collections. We get accts from carmel to collect on. Carmel basically buy debts from us bank. That means they aslo get accts from banks that us bank bought out so it's not always originally an acct you had with us bank. You can ask for validation and it is a good idea bc mistaked do happen. Carmel is a legitimate company but that doesnt mean you didnt get mixed up with another person or that the account was closed properly. It could easily be a mistake or just something you forgot about.
hello yeah my dad resived a leter from them saying that he ows t
hello yeah my dad resived a leter from them saying that he ows them $596.35 for some credit card that he never had befor in his life i think that these pople are scaming pople out of their money so dont sweat it
IDT Carmel Inc
I received a letter dated Oct 30 2008 from Capital Management services L.P. 726 Exchange St Suite 700, Buffalo, Ny 14210 stating I owed US Bank 271.92
Then on Nov 11 2008 I received a letter from northland group Inc PO. Box 390846 Edina Mn 55439 Stating I owed US Bank 164.70
First I am sure I have never had a bank account with US bank for I have been with the same bank for 33 years. So I called both company's and requested that they validate. Well they threatened to report it on my credit so I called my attorney and he advised I send them a letter so I sent them notice to contact him and only him. Well they have never contacted him or me it been over a month. Until today when I received a call from Northland saying that I owed Mercantile Bank 164.30. Is it odd that the bank name has now changed. But guess what. They guessed wrong, That's not my bank! LOL This time my attorney is sending the letter. Just maybe I will be awarded some money for attempting to fraud me. After taking to my attorney I have found out that one should never admit owing them anything for you have never owed them. Make them prove they own the account and check you state laws. Above all contact an attorney and have them write a letter. It might cost you a little bit of money but I feel it is well worth the 50 dollars mine charged me.
Same scenario
I too have received calls from IDT Carmel, and now northland group claiming I owe over $650. for an old account with US BANK. Almost the same circumstances, we had accounts in the last 90's, grew tired of the awful customer service and closed them. Now this magical debt shows up, and the interesting thing is that the SS# tied to the debt isn't mine! How does one stop this merry-go-round?
reply
did you receive a dunning letter from NORTHLAND GROUP.if so send a DV and C&D letters to them.send them certified mail return receipt.
Arbitration letter received
Yes
I received a letter stating that I owe your guys FFPM Carmel Holdings I, LLC for the amount of $1057.90. It stated that I had 30 days from the date of this letter to respond on it.
I really don't know where this is coming from. The account number on it is personal info removed for your protection, by Shazzers. And I signed for this letter, but I have no unearthly idea what it is for. And I don't know how you received my name and address. I would like to chat with someone online in regards to this. I really don't believe this letter pertains to me.
L.V.O
When did you get this letter [email]lvo5467@wmconnect.com[/email
When did you get this letter [email]lvo5467@wmconnect.com[/email]?
If it has not been 30 days yet then format this letter to your needs and send it certified mail return receipt requested to the company contacting you.. Do not sign the letter, only type your name and if you want, initial it. save a copy for yourself too.
Your Name
Your Address
CITY/Town, STATE ZIPCODE
Date: March 9, 2005
Collection Agency Name
Address
CITY/Town, STATE ZIPCODE
Re: Acct Ref. # XXXXX and XXXXX
To Whom It May Concern:
This letter is being sent to you in response to a alleged debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
.
What I need you to provide as the debt validation is as follows:
1. What the money you say I owe is for;
2. Explain and show me how you calculated what you say I owe;
3. Provide me with copies of any papers that show I agreed to pay what you say I owe;
4. Provide a verification or copy of any judgment if applicable;
5. Identify the original creditor;
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent
9. Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law.
10. Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
11. Copy of the original signed loan agreement or credit card application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent
I will not hesitate in bringing legal action against you for the following:
1. Violation of the Fair Credit Reporting Act
2. Violation of the Fair Debt Collection Practices Act
3. Defamation of Character
If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you assure that your records are in order before I am forced to take legal action.
Best Regards,
HSBC-Orchard bank Idt Carmel Inc.
I've checked my credit report and this credit card debt was written off by HSBC, which means they receive compensation for the debt, then they sell the paper for pennies on the dollar to this collection agency who in turn tries to collect the original amount plus interest. Are they allowed to go to your workplace and seek you out with this paperwork which is some sort of summons to appear in court, can they go to your HR dept. requesting information about you? Anyone know if they are permitted to endanger your job by creating these problems?
Hi JJB, If it was a real summons, that was probably a process
Hi JJB,
If it was a real summons, that was probably a process server. Most of the time, if they cannot locate you at home, they can serve you at work.
They can call your work or relatives ONCE - and here is the tricky part - unless they believe that the contacted party is deceiving them or they have reason to believe that the party may now have info on your whereabouts.
More details, please. When did this debt default? What state are you in?
IAM WRITING THIS NOTE ABOUT ACC.T O105O4733291YOUHAVE WRONG S.S
IAM WRITING THIS NOTE ABOUT ACC.T O105O4733291YOUHAVE WRONG S.S. NUMBER YOU WANT 369205269 YOU NEVER ANSWER THE PHONE.
DO I NEED TO WRITE A LETTER I HAV A LETTER FROM THE IRS.CORNING
DO I NEED TO WRITE A LETTER I HAV A LETTER FROM THE IRS.CORNING THIS ACCT. THE ACCT, FOR A DECEASED PERSON.IAM HER NEICE .I LIKE TO KNOW WHAT IS GOING ON.
That's a lie. There is a statute of limitations on all debts for
That's a lie. There is a statute of limitations on all debts for all states the max being 4 years. Get your facts straight. Don't pay them anything. You no longer owe this debt even if you owed it 4 years ago!!!
the SOL varies state to state,and depends on the type of debt.ge
the SOL varies state to state,and depends on the type of debt.get your facts straight.
Yeah you do owe the debt. The sol just means you can no longer b
Yeah you do owe the debt. The sol just means you can no longer be sued. You owe the debt until it is paid.
Get your facts straight. The sol is different in each state.The max is NOT 4 years
IDT Carmel.. these peeps, ignore them
Ignore anything someone from a collection agency says to you. Every last one of them is a piece of trash, and without fail they doll out inane proclaimations (we need people to pay their debts for the economy??? Utter non-sequitor).
If you do not owe the cash you do not owe it and that is all there is to it. Don't pay debts you do not owe EVER, or the item will remain on your credit report. Do not sign anything saying you recognize the debt. Above all, fight these people.
Remember... every last one of them is a horrible person.. I kid you not. Their job is based on intimidating people, including those who have had their identities stolen or have had fraudulent charges.