MCM trying to collect from a a closed account
Date: Mon, 08/03/2009 - 22:01
I recieved my new report a few months ago June 2009 . I noticed a bill from MCM that was payed already through LVNV April 2006.
As of a month ago I get letters to my new address from MCM requesting payment for the very credit card bill I PAYED off alreay in 2006. I got in contact with resurgent and asked them why this was happening if this ws payed off and the account was closed. They claim they and LVNV did not sell or give the account to anyone. But here I am being charged. I rounded up all my information(bank statement, letter of validation etc etc) o poove it was paid, and sent it to Trans union to dispute this. They sent me a letter saying it is not legit, or enough proof (are you kidding me these were true documents) and MCM claims they have the records from LVNV and wont tell me how they got i. I told the creditor that this account was payed in full and cloied. Now hey send me a new bill with more added on.
Now Resurgent said they would send me a new letter of valudation to settle this but the have not. NOW...I have to call all 3 companies tomorrow and get this settled.
What do I do? I am not going to pay for a credit card I already payed off in 2006 and the account was closed right after it.
You should send a complaint along with copies of your documentat
You should send a complaint along with copies of your documentation to the Federal Trade Commission and your State's Attorney Generals Office. The actions of the collector can be construed as fraud.
Do you have a statement of zero balance, or paid in full letter?
Do you have a statement of zero balance, or paid in full letter?
You need to get the debt validated. It is not unheard of for paid off debts to be sold to JDB's.
As I understand, from reading DiVi's message, a letter of valida
As I understand, from reading DiVi's message, a letter of validation had already been fulfilled:
"I was given a confirmation code and sent a validation of payment letter. The acount and case was closed as the card was payed off in full . LVNV is handled by resurgent."-DiVi
reply
the three headed bottomfeeder monster.send a DV letter to one,and one of the others attempts collection.they act like they are seperate,but they are not.
Validation receipt
Yes As I specified it was paid off and I recieved a letter of proof of payment. I also have told LVNV that the account was sold to someone else. They keep denying it....
It was not a payday loan. It was a credit card payment I payed i
It was not a payday loan. It was a credit card payment I payed if off in 20o6 . I recieved a validation letter and the account was payed off.... And now another creditor is trying to make me pay for it again.
Thank you Anthony I reported it on line with the FTC . I will no
Thank you Anthony I reported it on line with the FTC . I will now make several copies and send it by mail to them and other credt bureaus. As well as request a debit validation to MCM.
Not to mention your state Attorney General, and the Bureau of Co
Not to mention your state Attorney General, and the Bureau of Consumer Affairs. I'd say to send them a Cease & Desist letter telling them to shove off.
