Reply to Call from debt collector

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[quote=Anonymous][quote=Anonymous]OP here. Finally I got a letter in the mail from the collection agency and was able to see which bill they're chasing me down for. I paid the bill 2 months ago and I checked the bank statement and it had gone through. So I called the collection agency to let them know and I gave them the confirmation number. She then asks for my bank details  :shock:  I refuse and she gets rude.

I wasn't given any late notices and didn't start getting the phone calls until a month after I made the payment. I didn't get anything in writing until a month after that. So is it my responsibility to request a receipt, send it to the collectors and prove the payment was made? This just seems so silly. How can they threaten to take me to court over a bill I no longer owe? [/quote]
Ohhhhh OP! They are just trying to get money from you. Send them  the following letter (CERTIFIED):

CERTIFIED MAIL, RETURN RECEIPT REQUESTED 
NO. _______________________ 
 
 
 
Collection Agency’s Name and Address 
 
RE: Account Number 
 
Dear Sir/Madam: 
 
I am writing in regards to the above-referenced debt to inform you that I am 
disputing this debt. Please verify the debt as required by the Fair Debt 
Collection Practices Act. 
 
I am disputing this debt because I do not owe it. 
 
Because I am disputing this debt, you should not report it to the credit 
reporting agencies. If you have already reported it, please contact the credit 
reporting agencies, inform them that the debt is disputed, and ask them to 
delete it from my credit report. Reporting information that you know to be 
inaccurate, or failing to report information correctly, violates the Fair Credit 
Reporting Act. 
 
Finally, please note that I do not wish to receive further telephone calls or 
letters concerning this debt that I do not owe to your client. The Fair Debt 
Collection Practices Act requires you to respect this request. See 15 U.S.C. 
§1692(c). 
 
Thank you for your attention to this matter. 
 
 
Sincerely, 
 
 
Jane Doe

OR THIS:

Initial Debt Collection Dispute Letter
Today’s Date
Your Name
Your Address
Collector’s Name
Collector’s Address
Dear {insert name of collector or company},
I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.
This is the first I’ve heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:
(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.
I respectfully request that you provide me with the following information:
* (1) the amount of the debt;
* (2) the name of the creditor to whom the debt is owed;
* (3) Provide a verification or copy of any judgment (if applicable);
* (4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:
* because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
* you cannot add interest or fees except those allowed by the original contract or state law.
* you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act
1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.[/quote]

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