A collection agency (United Recovery Systems) sent me a letter back in January for collections on an account that is not mine. I sent a validation letter to which I received no response. Today, I get a letter from Academy Collection Service telling me that this account has been transferred to them for collections. Isn't it a violation of the FDCPA for a CA to transfer an account to another CA or back to the OC to transfer to another CA without validating the first time? What are my next steps besides sending a validation letter to Academy? Should I also write the first CA?
Think United Recovery Systems had a class action lawsuit against them by the FTC last month. I will double check, yeah they can transfer it, I would see if you can get the address of both to see if they match
I was in a similar situation. After I sent a validation request to the first CA, the first CA sent me a letter saying they were "in the process of obtaining validation". Weeks went by, heard nothing. Then I get a collection letter from another CA. So... instead of playing games with the validation request again, I went straight for the estoppel letter, made copies of previous validation letter, signed green card, and letter from the 1st CA, and basically told the 2nd CA I'm noy playing games and they need to drop this. They did. And shortly after I received a letter from the OC (through the 1st CA I believe) that said they were sorry for billing me for something I never ordered/received, and they are closing the matter. So, my short answer is, advise the 2nd CA you have proof of requesting validation (over 30 days ago) and continued collection activity (such as sending you a collection letter) is a violation of the FDCPA, and you're sueing them for it. If it's a relatively small debt (mine was), they'll go away.
mindcrime quote: ------------------------------------------------------------ Originally posted by Trade4Livn A collection agency (United Recovery Systems) sent me a letter back in January for collections on an account that is not mine. I sent a validation letter to which I received no response. Today, I get a letter from Academy Collection Service telling me that this account has been transferred to them for collections. Isn't it a violation of the FDCPA for a CA to transfer an account to another CA or back to the OC to transfer to another CA without validating the first time? What are my next steps besides sending a validation letter to Academy? Should I also write the first CA? ----------------------------------------------------- I was in a similar situation. After I sent a validation request to the first CA, the first CA sent me a letter saying they were "in the process of obtaining validation". Weeks went by, heard nothing. Then I get a collection letter from another CA. So... instead of playing games with the validation request again, I went straight for the estoppel letter, made copies of previous validation letter, signed green card, and letter from the 1st CA, and basically told the 2nd CA I'm noy playing games and they need to drop this. They did. And shortly after I received a letter from the OC (through the 1st CA I believe) that said they were sorry for billing me for something I never ordered/received, and they are closing the matter. So, my short answer is, advise the 2nd CA you have proof of requesting validation (over 30 days ago) and continued collection activity (such as sending you a collection letter) is a violation of the FDCPA, and you're sueing them for it. If it's a relatively small debt (mine was), they'll go away. ````````````````````````````````````` LB Way to go !
