i have a CO account with citi for about $3k. ARS (CA) kept calling me at work. I kept telling them not to and that they weren't allowed to use this number to reach me. They kept calling. To add insult to injury, when i would answer the phone only saying the name of my company, she would just yell out "when are you going to pay the $3k you owe citibank *******." (what if it wasn't me answering my phone line?) I discovered this site and did my reading and sent them a C&D. unfortunately, i hadn't finished all of my reading, and i sent it out without CMRRR. The phone calls from them stopped the next week. This was about 4 months ago. Today, they called up again. This is the first time i documented the time and date of the call and who i spoke with. Can i sue these people, or should i contnue adding up the offenses? On the last note, they are not listed on any of my credit reports other than their inquiries. Please help me.
after doing even more reading, here is my next question: since the CA doesn't show up on my CR, i assume that if i report the violations to the OC, they may dismiss the debt in its entirety? so should i report these violations to the OC, or do i just ignore this annoying women since ARS doesn't have a TL on my CR.
I would say keep racking up the violations as that will give you more leverage in the end with the CA and possibly the OC. Once you all get down to business, you can whomp them over the head. Also the CA could show up at anytime on your reports so you might as well keep documenting away.
I would send another C&D with request to validate debt and include a "no phone contact"... written communication only via CRRR with a copy of your original letter.
