I gotta help my dad...
Lets try this again...this site is really messed up lately isnt it?
I am so mad. I cannot believe these scum sucking junk debt buying con artist CAs.
Long story short: My dad had impeccable credit most of his life, made great money, had a great life...then, 15 yrs ago, his wife (my mom) died of cancer, and his job of 25 years was suddenly and unexpectedly gone (Assistant VP of a bank that got bought out) and he was left to take care of 4 kids by himself. Needless to say, back then, his credit was the last thing he was worried about. He managed to keep his house and car, and thats about it.
Took him about 10 years, but he got back on his feet, and for the last 5 yrs, he's gotten really serious about his credit, and now has scores in the mid to high 700s. He's worked really hard.
So, the other day, he gets a letter from Academy Collection Services, Inc. address: 10965 Decatur Rd., Philadelphia, PA 19154-3210.
"This is to advise you that your delinquent account has been transferred to our office for collections by Citibank. As of the date of this letter, you owe XXXX. Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the total balance due shown above, an adjustment may be necessary after we receive your payment. can you even believe that line?
If you choose not to pay the balance in full, the creditor may be willing to offer you a ***settlement*** [asterisks theirs] that can save you money. arent they nice? If you wish to take advantage of this offer, call us to discuss the details. This offer does not cancel nor override your dispute rights set forth below."
Then, they go on to meticulously outline his rights.
OK. My dad knows he has never had an account with the OC (citibank). He has a very vague memory of receiving all kinds of credit offers and actual checks in the mail from creditors back then (because his credit was so good i guess) but his frame of mind was all screwed up because of everything he was going thru at the time. He says he very well may have signed one of them if he was in need of money, but he honestly doesnt remember ever cashing a citibank check or making any payments to citibank...ever.
So he called them, and they told him this was from a debt that was opened in 1989, and charged off in 1993. I don't know how he contained himself, because this is so old. Ok, so the SOL is up, and he is aware of all that, and he's heard my stories about credit repair, etc. so he started asking questions. They said they would give him a break and take 70% of the debt right now, but that offer is only good until the end of the month. ACK. THE NERVE. Anyway, the lady was trying to get his personal info, and she asked him if he still lived on _____ Street, and he said "no, i've never lived at that address." (he's lived at the same address for like 30 years, and that was not the address she said)
He wondered out loud to this woman..."I wonder where on earth THAT address came from...I've lived at the same address for 30 years" and she proceeded to say, "from your credit report."
somehow....SOMEHOW....he kept his cool and said 'you've seen my credit report?' and she said 'yes, and you must value your credit, because it is impeccable'.
Now, I really don't give a rats ass if this is legal or not. This is the kind of thing LizardKing is suing for. This pulling-to-see-if-you're-worth-our-time
crap is just wrong.
Since the SOL is up on this, did they have PP to pull his credit?
I gotta help my dad...
in my opinion no they had no pp the debt is way to old .
if its on your dad CR is a violation under FCRA reporting innacurate outdated info.
the CA is in violation FDCPA for continued collection activity on an old debt that they may be trying to re-age.
2nd citibank is a major carrier for all sorts of CC. I have a sears charge and citibank ownes that.
3rd it could be related to fraud since they do not have a valid address.
send a letter to the CA CMRRR and put that actual # on tyour letter and state your dispute and mention that this debt ispast the SOL to collect and if they do not immediately send you a letter of deletion even if its not on the report you will pursue legal action to protect your interest this should help.
also get advise from an attorney.