Collection Agency - Trying to collect fraudulent charges?
Date: Thu, 08/26/2010 - 08:18
I'm being harassed by some clown who says I owe him $700.
Long story short. Somebody got ahold of my debit card info, charged $700 in stereo equipment to my account, I contested and won the chargeback with my bank.
I received a letter from the Collection Agency telling me I owed them $700. I said, nope...I contested the charges with my bank since I never made them, and my bank returned the funds to me. I said I was happy to send him a copy of the investigation by my bank. He said nope...only a police report will get keep this from affecting my credit.
This was months and months ago (I think back in 09). He's saying, the burden of proof is on me (and not the merchant) for proving that the charges came from me.
What's a guy to do?
Long story short. Somebody got ahold of my debit card info, charged $700 in stereo equipment to my account, I contested and won the chargeback with my bank.
I received a letter from the Collection Agency telling me I owed them $700. I said, nope...I contested the charges with my bank since I never made them, and my bank returned the funds to me. I said I was happy to send him a copy of the investigation by my bank. He said nope...only a police report will get keep this from affecting my credit.
This was months and months ago (I think back in 09). He's saying, the burden of proof is on me (and not the merchant) for proving that the charges came from me.
What's a guy to do?
send the CA a DV letter send it certified mail return receipt.it
send the CA a DV letter send it certified mail return receipt.it is up to the ca to prove you owe it.not on you to prove you don't.however if you have the letter from the bank send a copy of that as well.do not pay this bottomfeeder a dime.send the letter asap as it must be sent within 30 days of receipt.
