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Registered: ‎08-04-2009
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Credit / Collection Fraud ?

I recently received a call from an agency located in California called Wyeth / ALS or ANS collections stating they were calling about an account that was established in my name more than 15 years ago and a small balance was left unpaid since 2000.  They purchased the account (a Discover account) from another company NCO Financial and was attempting to collect -- account more than ten years old and ten years past due -- and I am unaware of any such account.  Nothing is on my credit report.  They asked me to send them a letter "disputing" the account.   Has anyone else experienced this?  This sounds like fraud....

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Posts: 17,419
Registered: ‎07-14-2009
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Re: Credit / Collection Fraud ?


Diamond6 wrote:

I recently received a call from an agency located in California called Wyeth / ALS or ANS collections stating they were calling about an account that was established in my name more than 15 years ago and a small balance was left unpaid since 2000.  They purchased the account (a Discover account) from another company NCO Financial and was attempting to collect -- account more than ten years old and ten years past due -- and I am unaware of any such account.  Nothing is on my credit report.  They asked me to send them a letter "disputing" the account.   Has anyone else experienced this?  This sounds like fraud....


Welcome to the forums.

 

By law once the CA first contacts you they are required to send a dunning letter.

 

 

FDCPA 809 states:

 

809. Validation of debts

 

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—

 

(1) the amount of the debt;

 

(2) the name of the creditor to whom the debt is owed;

 

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

 

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

 

(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

 

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this title may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer’s right to dispute the debt or request the name and address of the original creditor.

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