Hello: I appreciate all everyone has done posting comments on this board. I have been reading and lurking around for a couple of months now. Anyway, I am going to ask a redundant question, but I want to make sure my bases are covered. First, BE CAREFUL with PlanetFeedback. I have a charged off account with them. I sent letter offering payment in exchange for R-1 status. This has opened a huge can of worms. This has triggered something and now they are calling 2 times a day to my parents and with different people. I have disputed with Providian 2-3 times. It always comes back verified. So, I sent validation letters to Providian and American Recovery Services on 1/15/02. I have yet to receive the green card back. So, they just called again and I talked to them. I told them that I was disputing the amount and the account. I explained that I needed things in writing. I guess my question is this: Even though I have sent the validation letter and it may be in their mail room, can they continue to call me? Is this a violation of the FCRA & FDCRA? I am documenting their calls, letters, and the like. Am I proceeding correctly? Thanks for your help and continued support.
I'm just curious, how do you have a charge-off with Planetfeedback?? I didn't know they extend credit.
Sorry...They don't. I didn't make myself clear. I have a chargeoff with Providian. I went through planetfeedback to offer payment for deletion. That is how this got started. Sorry for the confusion.
Who called Providian or the CA? Write down the times the call and dates. When you get the Green Card back see if they signed it before today. If they did it's an FDCPA violation.
Thank you for the information. The CA called. American Recovery Services. They had to tell me how they are the largest in the country and all that bull. Anyone familiar with them?
I had a c/o with providian in 6/1998 they sold the debt to American Recovery Systems. after a year ARS gave it back to providian. in june 1999 i paid the c/o. ARS reported to all 3 CRA's and they got deleted during first round of disputes. Providian has taken some time. but i got the c/o removed from TU and EQ earlier this month. It still remains on Experian currently in dispute. I sent Providian a validation letter... early in dec. I dont know if thats what helped get the tradeline deleted from EQ and TU or not... Kev
Thanks for your help. As it turns out, they did violate the law. I mailed on 1/15/02, they signed the CRRR on 1/18/02. They called twice on 1/19/02, (when I asked for communication in writing, the guy slammed the phone down), and again on 1/21/02. I guess that is 3 violations. I am documenting date, time of day, name of person calling, and asking for communication to be put in writing. Anything else? Thanks.
I have ProCollect on 4 violations. They've called me 4 times since they signed the green card. I'm waiting for the 30 days to end to see how many more times they violate.
Guess what? They called again this afternoon and actually left a message. Like a dummy, I hit delete before I thought about it. They are apparently calling daily now. Fine by me. I am documenting everyone. What are these violations worth in small claims court?
