This question concerns the first collection notice I have ever received regarding an alleged account. Let me first introduce the 3 players here: CA #1 (which sent me the notice), CA #2 (which CA #1 says it's been "authorized by" to collect), and OC (which sold my account to CA #2). Now, on this letter I received from CA #1 -- again, the one and only letter regarding this alleged debt -- there are three different addresses: 1) on the logo'ed letter-head (a street address in Town X, NY); 2) on the detachable invoice form meant to accompany payment (a PO box also in Town X, NY), and 3) above the date of the letter (but in typescript, along with a 1-800 number, and in my home state). More complicatedly: CA #2, which I researched a bit online, has two separate addresses. Whom should I address the certified-mail DV letter to? All three on CA #1's letter? All five, thus including both CA #1 and #2?
CA #1 - You can pick an address, but if it were me, I likely send it to the payment address. CA #2 - Pick an address and send a DV to them as well, just to protect your rights. Don't care who dunned you #2 has to follow the FDCPA as well, so I would put them on notice. Mind sharing who this dysfunctional group is?
Thanks to both of your replies so far. It'll run me about $12 to do this but I guess that's better than the $85 collected. jlynn- CA #1 is RMCB (Retrieval Masters Creditors Bureau), which my preliminary online research hasn't turned up much on.
Does it matter that the payment address is a PO box, given that my certified-mail letter needs a signature?
No, not at all with certified mail. Mailman will leave a notice in their box. They present the notice at the counter, and they will give them the letter, and have them sign the card.
