Hi all--I actually used to post hear about five years ago as mirabelle, but can't remember my old password so I have created a new account...but enough of that. I actually have a dilemma which I want to solve. I had a Chevron card (now owned by GE Money, originally it was Chevron) which I agreed to settle for $175. Paid settlement, Chevron states "oops, payment rec'd too late (which is carp since it was mailed 2 wks +++ in advance of due date) so we sent to Nationwide Cr. in GA." NCI starts calling my mother's house, she can't understand a word the rep says (offshore outsourcing I guess?)--still nothing. The rep told her something about $71, which is obviously unauthorized disclosure bigtime since she told or acknowledged *nothing.* (go Mom!!) Get a letter today from NCI stating they have acquired the account, shows balance of $71. Since GE Money didn't "allow" settlement since "payment rec'd late" how should I proceed? The $71 sounds like the remaining amount owed which was $246 less $175. Should I send validation letter and/or something about disclosing info to unauthorized third aprty? Or just request validation for now? Should validation be also sent CRR? I've been re-reading all the old sticky'ed letters and posts trying to figure out what to do, so I'm back to re-educating myself with Creditnet. ETA: What about the fact it's only $71? Is this small enough to where NCI would just ignore it or write it off?
If you want to make a deal about them disclosing information, file suit against them, but you should have a recording of the conversation. Sending them a letter saying, " you disclosed information to a 3rd party" isn't going to do much. Send them a cease and desist plus validation/dispute. Either fax it to them or CMRRR.
