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OC answers my DV request


NASCAR_Devil
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DV'd Financial Recovery Services on 1/04/08 on my DW's Discover account. Today received a letter from Discover:

"We have been made aware of your dispute. In order to assist us with our investigation, we are requesting the following:

* A copy of your driver's license or an official document containing your signature

* A detailed letter including any documentation to substantiate your dispute

So obviously Discover still owns this. How do I respond or do I?

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There are many schools of thought on this.

Personally, I would respond to Discover (cc to the collection agency) to acknowledge receipt of the letter and concurrently "remind them" that it is they who claim YOU owe them a debt and that whatever informaion they need should already be in their possession given that they are making this claim.

I'd furhter remind them that, pursuant to the FDCPA and numerous court decisions, thirty days is considerd adequate time to provide validation of the alleged debt and the remind them of exactly when that date is (based on the CMRRR card).

After that, follow the normal DV process.

They are either salling or on a fishing expidition - IMAHO, it is their responsibility to substantiate their claim; not for you to prove them wrong.

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Nascar Devil,

Discover did the same thing to me then sent me an offer letter to settle a few days later, then another offer letter at 50% of the debt. I called them and negotiated a settlement at 30% of my debt so try and see if you can do this if the debt is legit. They'll be tough but are willing to settle.

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Hi! The exact same thing just happened to me with Capital One and Northland group. Id love to see your response to them!! :)

My letter says somthing like...

Unfortunatly we are unable to process your request with the info you provided. So we can process your request please give us the flollowing info...

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Yes. Same here with my Cap one "fraud" account. They quickly sent me info for an account I use to own but not for the one they were showing opened and charged off in 2003. :roll: I let them know that they did not send me info on account in question. Therefore, request for dispute was not fulfilled. :?

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Yep I got a letter from GE Money, they referenced my account number but say they can not determine the exact nature of my dispute so they ask me to provide them with the specific information being disputed, the basis for my dispute and supporting documentation....WTH????

I am pretty sure my DV outlined what I was disputing and what I needed from them to validate it.

Strange, the bottom of their letter says: "This is an attempt to collect a debt blah, blah, blah"

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  • 2 weeks later...

Well today they resonded with DW's original signed credit app and a note that payment in full w/in 30 days will result in a PIF. Unfortunately, its $3800 and we can't swing it. I'm really surprised that they held on to the account this long. DOLP was 12/07 so SOL has expired.

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