My question involves collection proceedings in the State of: WI
I had three accounts from USBank that were charged off back in 2010. They picked out portions of each negative account balance and retain an estimate of $1300/$2800 in debt on their books. The rest they sold to United Credit Recovery LLC in 2011. Here's my dilemma in trying to reconcile what generated the debt, who currently owns what and how to pay this to eliminate my reported information on ChexSystems:
USBank's DDA Recovery Dept was unable to provide me with any sort of bank statement or transaction detail and referred me to the branch. However, the branch is only able to look back 18 months (unhelpful) and they referred me to telephonic customer service. They were also unable to provide any kind of transaction history. My next step is going back to Recovery, I guess. I was also given a general mailing address in St Paul, MN that I can send a letter and someone may contact me.
DDA Recovery was also unable to accept payment on the remaining $1500 since it was sold to United Credit Recovery LLC. They provided me a phone number to call the collection agency to see if they still have my debt. The phone number belonged to a mobile that is no longer in service. After "googling" the business name, I located 3 more phone numbers - all inactive. Google states that this business is now permanently closed. BBB.Org states that the business is no longer active due to unlawful business practices. Apparently the owner, Mr Leonard Potillo, is facing up to 20 years of Federal prison.
This is all great to know, but what are my next steps? I just want to pay this or have it disappear.
Quick point: None of this debt is located on my credit report.
Here are some references, if the gory details interest you:
Thank you for advice.