debt verification response

Well Mantonucci, debt verification letter won't work for collection agency, it's for the original creditor only. If you are skeptical about the debt the collection agency is claiming, then you can send them a debt validation letter.

You can check out the sample letter as reference:
http://www.debtconsolidationcare.com/letters/sample6.html

I'm sorry, I meant I sent a validation letter, not verification. So is that common for a OC to respond to a validation letter sent to a collection agency? Seems odd to me, but then I'm new at this.

Quote:

The creditor is Chase, the account is over 5yrs. old but past due probably around 8 months or more. I don't really know the status as far as being charged off or not, just that it's gone to a collection agency.
The validation letter I wrote was to a company, GC Services, claiming to be collectiing a debt I owe to Chase. The response to that letter was within the 30 days I requested but was from Chase. Their response was, in a nutshell, that they (Chase) were the OC, that the monthly billing statements were proof of my account, the fact I requested a cease and desist of phone calls was a serious matter and could cause problems. (the cease and desist was for the collection agency not Chase and was in regards to phone calls not letters. I was specific)
I wish I could scan the correspondence and post it but I can't, however this is pretty much what they said.
What I'm not really understanding is why Chase is responding as if I wrote to them when I did not. I'm thinking I need to call Chase just for the simple reason of finding out the status of my account so I know who to negogiate with. I guess I was hoping they sold the account but that doesn't appear to be the case.

That means that the CA is just servicing the debt and the OC still owns it, so the CA just forwarded your request.

im wondering if chase did direct placement with this particular CA, which means that the debt wasnt sold off and bought by a debt acquisition company - instead it was placed by the OC with the collection agency who works on their behalf.

Makes sense, so I'll just bypass the CA and send Chase a letter with an offer and see what happens. I appreciate the info everyone.

GC services is working the account 3rd party...this is done under contract which means that Chase will forward all requests to the CA. The only time Chase will become involved is when a DV is sent since they hold the documents. Ceasing the CA will only result in the account being sent to another CA or law office...and could get you sued quicker.