RJM Acquisitions and Bank of America
Date: Mon, 01/14/2008 - 09:47
Over 7 years ago, my brother and I had a joint account with Bank of America. My wallet was stolen and someone racked up over $2000 in purchases. I called it in stolen and had Bank of America close the account. A year after the incident Bank of America was trying to collect overdraft fees, which resulted from the debit card being stolen. I had to re-tell the whole story and closed the account again, because supposedly it was never closed in the first place at that time I had the Rep I talked to send me a letter. The letter stated there was a $0.0 balance on the account and it had been closed due to fraudulent activity. The year after that they were trying to collect from my brother, and again we went through the same thing. Never heard anything again until just last year some collections company, don’t remember which one was harassing my brother over the account, he refused to pay and told them never to contact him again because there should not be any kind of balance since the card was stolen. That was the end of that call. Well just over a month ago I get a collections letter from RJM on the same account from that BOA account. I called BOA to request information and ask why they sent me to collections, I was told they can’t pull up accounts over 6 years old. I asked where do the files go and the Rep. tells me they are deleted. I sent a debt validation letter to RJM and now I’m waiting to see if they respond. Can Bank of America send me to collections over a stolen card? Do they really delete their files after 6 years? What else should I do who else can I contact? thank you
From my experience they do delete old accounts, they did mine.
From my experience they do delete old accounts, they did mine. You did right by DVing the collection agency.
I am betting that BOA didn't send you to collections, they might have sold the account, or a CA could have gotten it less then legally. Keep up on it and take the CA to court if they keep trying to collect. Also, check your credit report and see if it is on there...if it is, then you have more ammo because all the time it was on there, it was ruining your credit and you have proof (the letter) that the account was closed out with a zero balance.
I'd speak to an attorney, there's probably some cause to sue BOM
I'd speak to an attorney, there's probably some cause to sue BOM. Most of the dunning letters that RJM sends has the date of last activity in them, which is usually blatantly outside the statute of limitations. They are among the least intelligent debt buyer/collectors.
They are looking at several fdcpa and FCRA violations. I woul
They are looking at several fdcpa and FCRA violations.
I would suggest filing complaints with the AG's office and the FTC, maybe even explore the possibility of filing civil action.
