Portfolio Recovery Associates
Date: Tue, 03/23/2010 - 11:18
Portfolio Recovery Associates mailed me a collection bill for a SEARS account. Never had a SEARS account. Called SEARS, spoke with their fraud division. They do not have my SS number in their database. I called the Portfolio Recovery Associates toll free number to advise them they had the wrong guy. They were rude, insisted it was me but are sending forms to complete to dispute the debt. Why should I respond at all to these hyenas when I do not now nor have I ever had a SEARS accunt? What kind of scam are they up to?
I would suggest you to send a debt validation letter straightawa
I would suggest you to send a debt validation letter straightaway to Portfolio Recovery Associates. As SEARS doesn't have any account of yours, I believe Portfolio Recovery Associates won't be able to validate the debt they are claiming. As per Federal Debt Collection Practices Act (FDCPA), if the collection agency doesn't validate your debt, they are not entitled to collect payments.
You can check out the sample debt validation letter:
http://www.debtconsolidationcare.com/letters/sample6.html
It could be for Discover. Make sure to send the DV certified mai
It could be for Discover. Make sure to send the DV certified mail, return receipt requested. They were unable to prove the validity of the account they were calling me on.