Citi response to validation..help

Discussion in 'Credit Talk' started by BruteForce, Jan 28, 2002.

  1. BruteForce

    BruteForce Well-Known Member

    Citi has finally responded to my request for validation (been 60+ days). Here is what is says:

    This letter is in response to your recent communications. Our attempts to contact you by phone have been unsuccessful. Please contact me at the number provided as soon as possible.

    ###-####

    If you are unable to contact us, please write us a letter and provide us with a current phone number in which we may contact you.

    That's it. It wasn't even signed. Should I call them? If I do and they try to collect the debt, will they be in violation (since they're a creditor not a CA)? I'm clueless on how to respond to this....please help.
     
  2. GEORGE

    GEORGE Well-Known Member

    YOU MUST HAVE A PAPER TRAIL!!!
    Never use the phone unless you record the call...
     
  3. BruteForce

    BruteForce Well-Known Member

    If I did record the call and they tried to collect, would that be a violation?
     
  4. GEORGE

    GEORGE Well-Known Member

    Just put it in WRITING...60 days and nothing except they want you to call???

    Ask them if they want to wire the $1,000/violation to your checking account, or will they mail you a check???

    SEND CERTIFIED R/R.
     
  5. LKH

    LKH Well-Known Member

    Original creditors, collecting their own debts, unless they are using a different name to collect, are not subject to the FDCPA. So, the answer is no, it is not a violation. Do what George said.
     

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