nateweb Posted January 28, 2008 Report Share Posted January 28, 2008 Hi all, here's the deal: Capital One charged off my account to Alliance One. I DV'd Alliance One in December, got no response. DV'd them again, telling them they had 15 days to validate, got no response. Sent them a letter demanding to remove listing from CR within 5 days and cease all collection or I will sue (letters were certified mail), no response after several weeks. I disputed with Experian off the bat, came back quickly as verified. However, the CA hasn't marked the account as disputed.So WTF? Do I move ahead to sue Alliance One (the one in Mendota Heights, MN), or am I going to get boned because Capital One is the OC? I'm confused. Is the FDCPA even in effect here? Any advice? Thanks! Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 29, 2008 Report Share Posted January 29, 2008 OK. Yes, the FDCPA is in effect - as AllianceOne is a CA. Is AllianceOne reporting on your CRs? If so, check out the link labeled "dispute with original creditors" at the top of the page. The process is the same for a CA on your report: Anyone who furnishes info must furnish accurate info. It's an investigation request pursuant to Sectoin 623 of the FCRA.Chances are you can just call up Capital One, tell them you're tyirng to contact AllainceOne, they're not responding to you...you want to pay cap1 directly....? Link to comment Share on other sites More sharing options...
myscoresawful Posted January 29, 2008 Report Share Posted January 29, 2008 First of all, if you are DVing them because you don't believe you owe as much as they say you do, then ok.If you do owe the money and are willing to pay or do a settlement, then I would say contact Cap 1 directly.The thing is, Cap1 keeps excellent records and you can believe they will be able to produce a copy of each and every billing statement they've ever sent to you, so if you are DVing in hopes that they don't have any proof and you can be released from the debt and have it off your report, then I doubt you will have sucess there.If Alliance 1 is reporting it as a collection to your report, then you might be able to get it removed if they don't bother getting the documentation from the OC, then maybe they would toss it back to Cap 1 and withdraw their entry, but since they verified, I doubt they will be willing to do that...I am assuming that this is recently written off and still well within SOL?One thing with Cap 1, rock the boat and they will usually sue...I would suggest you be prepared to settle the debt if it comes down to that in order to avoid a judgement....this is not normally the advice I would give on most debts/OCs/CAs....but Cap 1 is relentless.. Link to comment Share on other sites More sharing options...
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