Citi Bank and debt validation

Yup....if they are acting as attornies, they must validate. Contact a NACA attorney.

thank you Soaplady! I really hate to have to take this to an attorney but i feel this is wrong.

Yes, Smiley its definitely not right because, Allen L. Adkins and Associated, will have to provide some kind of proof for the debt you owe.

According to the Fair Debt Collection Practices Act, if the 1 service or collection agency doesn???t validate your debt, they are not entitled to collect payments.

Moreover, if you request for a validation, the collection attorney service or CA should furnish you with certain details such as a written proof which shows that your debt has been sold off or assigned to them.

Along with, that a statement of your account payment history which will help you to ascertain the total debt amount.

On the contrary, the original agreement /account statements from Citi Bank.

If you don???t get adequate proof then you can ask them to remove the collection listing because according to Fair Credit Reporting Act the collectors should not report a negative entry to the Credit Reporting Agencies if they don???t validate the debt.So, ask them to do the needful at the earliest possible.

so what steps should I take next? another letter? call an attorney? I agree with what you all are saying as I read the law and it doesnt seem like they are handling this correctly.