I have requested copies of signed documents verifying that the account is mine from WFNNB (LANE BRYANT).the account is being charged off as of 9/2000. I have NO recollection of this account. I sent two validation letters...both times they replied that "once a customer applies for an account, the original application becomes the property of WFNNB and will only be released if subpoenaed" I specifically requested "copies" of the application. questions: 1) does anyone know where i would go to search online to find the address for the "legal department" for a creditor? 2) am I not within my rights requesting validation as this is the original creditor? any suggestions will be greatly appreciated... SuzyQ
Well, Validation is a defined terms under the FDCPA. It's specifically applied to collection agencies. However, if any creditor says "you owe" a debt, it's only logical that you should be able to request proof of the debt (especially if it's over $500). Call the company, ask for their legal department. Are they putting this info on your credit reports? Have they sent you anything? Statements but not a signed contract???
Marie, thanks for replying. the company has sent me NOTHING but the letter I mentioned before. I believe my request for validation is clear. This account shows up as charged off 9/2000 on my experian report only. I have another matter that I would like to discuss with you privately if you dont mind. my email address is zcraws@aol.com... Thanks again, SUZYQ
Hi I would but another group I joined has been getting email viruses so I disabled my old emails and am now only posting. If you want to discuss it here, be more than happy to help all I can... plus the others here have a wealth of knowledge that I don't
Hey Marie, Get a webmail account. I ditched Outlook a long time ago. I spent half my online time getting MS security updates. breeze
Update, called the creditor on the telephone today. They are DELETING the tradeline. Guess they couldn't validate the account!!! Glad that is over!! Marie thanks for your help SUZYQ
Make sure that they send you a letter stating that not only are they removing the tradeline from your cr's but also that you are NOT responsible for the account and that it will never be assigned or sold. otherwise the account could bite you again from another source
