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CA increase balance multiple times after DV

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johnwantsahouse
Contributor

CA increase balance multiple times after DV

If I sent a DV to a CA, are they allowed to increase the balance before validating the debt? They signed for the DV on 5/21 and increased the balance $2 on 5/30 and another $2 on 6/9 and I haven't received anything from them regarding my DV.

 

Aren't they required to stop trying to collect after DV? If that's the case, how are they able to raise the balance after a DV?

Current Score:EQ-660 (FICO) / TU-677 (FICO) (3/10/14)
6/8/12 Score:EQ-640 / TU-650 / EX-656 (All FICO Lender Pulls 6/8/12)
6/5/12 Score:EQ-640 / TU-638 / EX-656 (All FICO Lender Pulls 6/5/12)
6/1/12 Score:EQ-640 (FICO) / TU-618 (FICO) /EX-670 (FAKO)
Starting Score:EQ-542 TU-574 (4/30/2012)
Message 1 of 4
3 REPLIES 3
rckstrscott
Valued Contributor

Re: CA increase balance multiple times after DV


@johnwantsahouse wrote:

If I sent a DV to a CA, are they allowed to increase the balance before validating the debt? They signed for the DV on 5/21 and increased the balance $2 on 5/30 and another $2 on 6/9 and I haven't received anything from them regarding my DV.

 

Aren't they required to stop trying to collect after DV? If that's the case, how are they able to raise the balance after a DV?


Only if the DV was timely in response to a dunning notification, or if there was no dunning, is the cease bar in effect. If they sent you a dunning notification and you didn't respond previously, or this response wasn't considered timely,  there is nothing to keep them from continuing to collect and not respond to your DV.

 

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 2 of 4
johnwantsahouse
Contributor

Re: CA increase balance multiple times after DV

They've sent letters before, so I guess that means this wasn't timely.  I just thought they had to stop collection efforts until they validated it if you sent a DV.  Thanks for the response.  The DOLA was for the cap one that caused it was 9/2006, so it's really old.

Current Score:EQ-660 (FICO) / TU-677 (FICO) (3/10/14)
6/8/12 Score:EQ-640 / TU-650 / EX-656 (All FICO Lender Pulls 6/8/12)
6/5/12 Score:EQ-640 / TU-638 / EX-656 (All FICO Lender Pulls 6/5/12)
6/1/12 Score:EQ-640 (FICO) / TU-618 (FICO) /EX-670 (FAKO)
Starting Score:EQ-542 TU-574 (4/30/2012)
Message 3 of 4
rckstrscott
Valued Contributor

Re: CA increase balance multiple times after DV


@johnwantsahouse wrote:

They've sent letters before, so I guess that means this wasn't timely.  I just thought they had to stop collection efforts until they validated it if you sent a DV.  Thanks for the response.  The DOLA was for the cap one that caused it was 9/2006, so it's really old.


Oh I completely know where yer coming from, I thought that a DV was universal, but if they have already reached out and you ignored those attempts, your DV has no standing, and they probably know that which is why they are being a pain.

 

Looks like ya got a little over a year to ride out on that account...

 

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 4 of 4
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