What do you think about this written ...

What do you think about this written correspondence from a bill collector? Does

Posted in the Cumberland Forum

rossanademel779

Seattle, WA

#1 Nov 13, 2013
What do you think about this written correspondence from a bill collector? Does it violate the FDCPA?We had a legitimate dispute about an amount owed on an outstanding debt. We had written correspondence and the collector assigned to my account never investigated any of the documents and proof I sent him, only to pay the full balance, telling me I can't dispute it since it's 30 days past the date of being in their office. However, they admitted they only sent a first notice to an address I lived at 9 years ago and got a mail return on it. The only way I even knew this had been in collections was when I applied for a new job, 4 months later. I never received any written correspondence from them despite my current address being correctly listed on my credit report, my verbally giving them a correct address and requesting a written communication be mailed to me.

I caught him in a lie about following up with my dispute in an email and he began to get nasty with me in writing after the fact. He said, "You are obviously trying to twist my words and find a loophole to free yourself from your responsibilities. I have too many idividuals with accounts that are ready to be resolved. I wish you the best of the luck in your venture to resolve this". He also stated during a certain point that he no longer wanted to email me and I could either pay or call to talk to him. I tried that a couple of times and he just made rude remarks. When I asked to speak to his supervisor, he sent me to what he called the "legal" department. When I asked the person I was transferred to if he was in the legal department, he stated he was not a legal person.

I ended up having to track down who the compliance officer of the company was to get the account looked at and of course he reviewed it and we settled the matter for the correct amount. My question is, did the collector in fact violate my rights and break a law? If so, what recourse do I have? I live in Florida and the collection agency is in Texas. Thank you.
senawasylow752

Seattle, WA

#2 Nov 13, 2013
rossanademel779 wrote:
What do you think about this written correspondence from a bill collector? Does it violate the FDCPA?We had a legitimate dispute about an amount owed on an outstanding debt. We had written correspondence and the collector assigned to my account never investigated any of the documents and proof I sent him, only to pay the full balance, telling me I can't dispute it since it's 30 days past the date of being in their office. However, they admitted they only sent a first notice to an address I lived at 9 years ago and got a mail return on it. The only way I even knew this had been in collections was when I applied for a new job, 4 months later. I never received any written correspondence from them despite my current address being correctly listed on my credit report, my verbally giving them a correct address and requesting a written communication be mailed to me.

I caught him in a lie about following up with my dispute in an email and he began to get nasty with me in writing after the fact. He said, "You are obviously trying to twist my words and find a loophole to free yourself from your responsibilities. I have too many idividuals with accounts that are ready to be resolved. I wish you the best of the luck in your venture to resolve this". He also stated during a certain point that he no longer wanted to email me and I could either pay or call to talk to him. I tried that a couple of times and he just made rude remarks. When I asked to speak to his supervisor, he sent me to what he called the "legal" department. When I asked the person I was transferred to if he was in the legal department, he stated he was not a legal person.

I ended up having to track down who the compliance officer of the company was to get the account looked at and of course he reviewed it and we settled the matter for the correct amount. My question is, did the collector in fact violate my rights and break a law? If so, what recourse do I have? I live in Florida and the collection agency is in Texas. Thank you..
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