Reply
Regular Contributor
Posts: 240
Registered: ‎11-29-2008
0

Vision Financial-DV received and they keep contacting me--What should my next step be?

On 3/20/2012 I received a collection notice in the mail from Vision Financial.  They are collecting on behalf of a charged off First Premier account.  On April 2, 2012 I sent them a DV letter which should be considered timely as the 30 days had not expired from when they first sent me the collection letter.  To this date, they have not responded to my DV, but keep calling me regarding this debt.  Isn't that a violation of the cease collection bar imposed when they received my DV request?  They signed the green card on 4/6/2012.  One time when they called, I informed them that I would not speak to them about this debt until I received the debt validation and refused to give them any more information.  They got very ugly with me on the phone and I think I finally just said goodbye and hung up.  I see that they called again this morning.  I was unable to answer the phone, but they never leave a message.  I googled the phone number and it comes back as Vision Financial.  What is my next step if they continue to contact me about this debt without sending validation?  I have also gotten another collection letter in the mail from them dated June 15, 2012 exactly like the first one except it has a different account number, but it is the same account.   It has the same statement "unless you notify this office within 30 days after receiving this notice....".  I have sent them another DV request based on this letter and stated that they have never responded to my first DV request.  What should my next step be if they continue to send me collection letters and call me regarding this debt when they haven't responded to my DV requests yet?

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 5/31/2014 FICO 671 EQ 7/5/14 FICO 667 EX 5/31/2014 658 FICO
Goal Scores 700 across the board
Epic Contributor
Posts: 20,589
Registered: ‎03-19-2007
0

Re: Vision Financial-DV received and they keep contacting me--What should my next step be?

I would send an immediate complaint to the FTC for their violation of the FDCPA 809(b) cease collection bar, and send a cc: to the debt collector.

 

The FTC will send them an inquiry, and your cc: to them will advise them of your awareness of their violation.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.