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Strange response from OC


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I have received letters/calls from 2 DIFFERENT CA's in 2004 on the same account (Lazarus/Macy's). I have DV'd each time, each time, no response, just sent/sold to next CA.

Yesterday, I received the following letter from the OC:


Unfortunately, we are unable to make the adjustment you requested, as it appears the billing statements were being sent to the correct address during the time of the disputed transactions(s).

In addition, as indicated on the back of your billing statments, we must receive a notice of a billing error no later that sixty (60) days after the date on which we sent you the first bill on which the transaction in question appears. As we did not receive your request in the time frame allowed, no adjustments will be made and you are responsible for the account balance.

If you have any questions or concerns regarding this decision, please feel free to contact us at the number below.


Dumb OC

Compliance Representative

Call stupid toll free number 1-800-XXX-XXXX

How should I proceed? Just tell OC I'm trying to determine if account is mine? They started billing at around $300, account is now at over $700. I cannot pay, am in the middle of a court fight to get my long-term disability & waiting to see if I am approved for Social Security disability, so have NO income (except DH's & that is stretched to the limit - must pay COBRA to keep insurance, my meds alone are over $2,000/mo, so cannot let ins go). I think even if I get my disability, this should be 'untouchable' income (not quite sure on this).


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I think this might be a time where its okay to call the OC's number and just play dumb. Don't understand the letter, don't think this is mine, what are you trying to tell me.

Don't admit anything other than what's on the letter...even to the point of saying "I don't remember ever having an account with you people".

See what further info they've got. Obviously, if they've pulled it back from two CAs, they don't have data to validate...

Good luck...

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