I checked out the fdcpa violations and since I received no letter about the debt mentioned above and was thus not given the customary 30 days to validate the debt, does this appear to be a violation? We have had three other CAs contact us, and it was all by mail with proper information. Can I simply call them and tell them they're violating the fdcpa and expect them to comply with my request? They're hired by Cap 1, who apparently bought our debt from Chase. I hear some bad stuff about cap 1.