I sent all three CRAs all the copies of the validation letters I've sent to a collection agency and then to the original creditor. It shows that the collection agency closed it and turned it over back to the OC. All of this I did last week. Today, I check my mail and I get my green card returned with no signature from Experian. Are they doing this to everybody with CRRRs? Or just me lol. Janet
As long as you keep the green card showing that they refused to sign for the letter, that should suffice as proof that you sent it. Experts correct me if i'm wrong.
Janet, Receiving the returned green card with no signature is pretty typical (at least in my experience). Usually, the post office hand delivers the CRAs, OCs, etc. a large quantity of mail at one time. Each green card is to be signed, individually, but this rarely occurs. Usually one person signs for everything when they receive the items from the mailman (kind of like when you receive 12 packages from UPS, but you just sign your name once). I usually recommend signature confirmation instead of CRRR. Under signature confirmation it must be sent Priority Mail, but it doesn't cost that much more. And then you can use the online tracking number that the Post Office gives you to see the first initial and full last name of the person who signed for the package/letter, when it arrived, and at what time. I love it. In the meantime, contact your local Post Office and explain the situation. They can usually send the card back and have the local post office (for the CRA/OC) find out who signed for the items. If they refuse to do this or if you receive the CRRR back with no signature make sure the U.S.P.S. refunds you your money. Don't pay for a service that was not fulfilled. Hope this helps. Dani
Thanks jrjr and Dani for the advise. Does that mean that they did receive it? How would I know if they just refused it?
There's one other thing you might try. Ask your local PO if they have another signature card on record for the letter. There is often also a peach colored signature card (I'm not sure what its actual purpose is) that has to be signed and your local PO can give you a copy of that signature. It took a bit of digging around at the PO but a friend of mine got a copy of one of those and it DID have the signature she needed. DemPooches
The green cards I have gotten back from the CRAs usually have a "signature" stamp of some sort. Yesterday I got one from EQ and it was just a rubber stamp style signature and date - I think that would hold up in court. I checked my most recent TU green card and it had the name "EDWIN" and the date rubber stamped. I guess TU employees can't afford a last name! LOL! EX had some sort of generic stamp on it with the date, but it's kind of illegible. I think we might have to all chip in and get them a new one.
I received my Experian green card back yesterday with red stamp marks but no actuall employee signature.
Dani is right. EX probably get 1000's of CRRR daily, and they have someone stamping the cards. The peach slip is usually left as a notice for the customer. For large firme they have a "Firm Mailing Book for Accountable Mail". You can go to the PO and tell them of your situation. I think that they have a yellow card that they send to the destination PO and they will look up the CRRR # and the PO will verify that it was delivered. Charlie
I got my greencard back from Experian with a rubber stamp date and signature. Given the volume of mail I am sure they receive, asking a person to sign every one by hand would be asking a bit too much.
