cancel
Showing results for 
Search instead for 
Did you mean: 

Do CA's have to send a letter?

Established Member

Do CA's have to send a letter?

A collection was put on my report this month, but I have never recieved anything from them nor have they ever tried to contact me. Do CA's have to send a letter notifying you of the collection? I don't even know if it is legit. It's from West Bay Aqusitions for BMG for $31.00. I disputed it on Transunion and it came off they never put it on Equifax, but it is stuck on my Experian report. I am about to file a BBB complaint against them, but not sure if it is the right thing to do. They have a ton of horrible complainst about the same situation that I am in currently.

5 REPLIES
Moderator Emeritus

Re: Do CA's have to send a letter?

Yes, they must send you a dunning notice, and placing this on your CR is an attempt to collect.

 

Have you sent a DV to West Bay?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Established Member

Re: Do CA's have to send a letter?

No I just disputed online. I was going to file the complaint and send the DV today. Would this be a violation of  FDCPA 809(a)? Or must there be some sort of initial contact? Or was them placing the collection initial contact? Sorry just trying to understand. Thank you for your help.

Moderator Emeritus

Re: Do CA's have to send a letter?

Placing the item on your CR would be an initial contact.  You should have received a dunning notice within 5 days of the contact.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Moderator Emeritus

Re: Do CA's have to send a letter?

FYI, a BBB complaint is worthless, they are not even accredited.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Established Member

Re: Do CA's have to send a letter?


Shogun wrote:

FYI, a BBB complaint is worthless, they are not even accredited.


Thank you for that. I won't file a complaint I will just send the DV letter. Thank you once again.