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  1. #1
    NyteAngel is offline Member
    Join Date
    May 2004
    Posts
    73

    CA sent note they got req on BILL?

    I dv'd Collection Service, they signed for it 6/18 (Have the green card). I hadn't had previous correspondence from them but they're listed twice on EQ for the same account, and once on the other two...

    (The bill/note notes that this account is for a Visa that shows as pays as agreed $0 closed acct from OC - though closed by credit grantor was past due) I get the following in the mail today:

    It is in the form of a bill at the top
    Collection Service re: OC for Visa acct and client numbers

    Principal: $260.
    Interest: $100.
    Total $360 (not the exact figures it represents but close enough to get the idea)

    So you can tear off the top and send it in their little return envelope that they so nicely included

    Under that it says this verbatim:

    This letter is from a collection agency.

    We have received your dispute letter. A copy has been forwarded to our client. If this account has been reported to the credit reporting agencies, it will be updated as a disputed collection item in accordance with the Fair Credit Reporting Act.

    Sincerely,

    CS, Inc
    DBA Collection Service

    (I changed the name a bit, but the rest of it is exact)

    then at the bottom fold it again has their address, my name, visa, and amount $360.


    No mini miranda, no "this is an attempt to collect a debt" blah etc. I haven't received notices from them before that I know of, but even if I had doesn't it have to say any info will be used for that purpose, and is it normal for them to send the above note included ON their apparent Bill?! And the interest after collection - Just what IS it with these places and charging interest on collection accounts, yeesh.

    Anyways, any thoughts?

  2.  
  3. #2
    lbrown59 is offline Senior Member
    Join Date
    Feb 2001
    Posts
    17,876

    Re: CA sent note they got req on BILL?

    Originally posted by NyteAngel
    I dv'd Collection Service, they signed for it 6/18 (Have the green card). I hadn't had previous correspondence from them but they're listed twice on EQ for the same account, and once on the other two...

    (The bill/note notes that this account is for a Visa that shows as pays as agreed $0 closed acct from OC - though closed by credit grantor was past due) I get the following in the mail today:

    It is in the form of a bill at the top
    Collection Service re: OC for Visa acct and client numbers

    Principal: $260.
    Interest: $100.
    Total $360 (not the exact figures it represents but close enough to get the idea)

    So you can tear off the top and send it in their little return envelope that they so nicely included

    Under that it says this verbatim:

    This letter is from a collection agency.

    We have received your dispute letter. A copy has been forwarded to our client. If this account has been reported to the credit reporting agencies, it will be updated as a disputed collection item in accordance with the Fair Credit Reporting Act.

    Sincerely,

    CS, Inc
    DBA Collection Service

    (I changed the name a bit, but the rest of it is exact)

    then at the bottom fold it again has their address, my name, visa, and amount $360.


    No mini miranda, no "this is an attempt to collect a debt" blah etc. I haven't received notices from them before that I know of, but even if I had doesn't it have to say any info will be used for that purpose, and is it normal for them to send the above note included ON their apparent Bill?! And the interest after collection - Just what IS it with these places and charging interest on collection accounts, yeesh.

    Anyways, any thoughts?
    2 violations here
    1 Collecting without validating
    2 No mini miranda

  4. #3
    NyteAngel is offline Member
    Join Date
    May 2004
    Posts
    73

    Re: CA sent note they got req on BILL?

    Thank you so much for taking the time to reply LB =) I Thought so, but I am just never sure ;)

    It's quite odd, they state they will list it in dispute as per the FCRA, but if they know to do that much you'd think they would know better than to include such a note on a BILL for goodness sakes! *tsk*

    Now what, wait to see what they come up with for verification? Or just demand deletion or ITS for $1000

    gotta love the moronic CA's ;) Mebbe someone needs to TEACH them what they've done >=)

  5. #4
    lbrown59 is offline Senior Member
    Join Date
    Feb 2001
    Posts
    17,876

    Re: CA sent note they got req on BILL?

    Now what, wait to see what they come up with for verification? Or just demand deletion or ITS for $1000
    NyteAngel
    ==================
    When till 30 days is up for them to validate send them the estoppel. If still no validation 15 days after they get it send ITS.
    NEW MEMBERS READ THIS.
    http://consumers.creditnet.com/strai...243#post410243
    ************************************************************

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