Collection Agency Won't Let Me Dispute Debt
April 2004 I paid off my credit card. Now I am getting calls from a collections Agency. I called my credit card company and they said they no longer have my records and are unable to talk to me due to the fact I am in collections. They absolutely refuse to talk to me!
The collections Agency is saying that the last payment was late and the credit card company has charged $169 in late fees!!! I told them the payment was not late, I specifically remember paying on time because I was so happy to have it paid off.
The Collections Agency is refusing this Dispute because the cc company did not post my payment until a month after the due date. But that is not my fault!
What can I do??
Re: Collection Agency Won't Let Me Dispute Debt
They cannot refuse to validate. They are breaking Federal Law. However, their definition of validation and your are probably very different. Keep in mind, the burden is on them to prove the debt yours. I suggest getting a lawyer to help you. Stating that the debt is valid is NOT proper validation. I can SAY you owe me $1000.00, but I sure can't prove it.