Adam1973

Falsified Credit Card Statement

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1 hour ago, Seadragon said:

How can you do that if judges just gloss over evidence. and how would we be able to know since the removal of court reporters from the courts. It matters not nowadays. Just don't have credit cards I haven't had any in 15 years and I am happier for it. So I have time to help people at the task at hand which is helping them when they are sued out of the blue.

And I am glad to see that you agree it is so simple for the Debt collection industry to manufacture billing statements, we all know they have the necessary tools at their disposal so why wouldn't they do it? There is a big financial incentive for them to make their own billing statements,  they would have to otherwise pay more for than the original purchase of account information. You see that is the reason that they really do it. But I will search and get back to you. I bet if we look into the CFPB cases we could find some of these or maybe state AG actions.

"If you can imagine it happening it most likely already is." Seadragon 

The CFPB nailed Midland and Portfolio.  In the lists of offenses, the CFPB made NO mention of falsified credit card statements. 

As stated before, it's too easy for JDBs to get docs.  There's no reason to falsify what the OC can provide.

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I am cynical when it comes to Debt buyers, but How would one prove it is a fake billing statement? It is all in the barcodes on the statements. I am gonna review statements from past case that were posted here and scan the barcodes which will tell if the debt buyers are using templates or each is unique. That would be a good investigation. I will Start with the ones from my case which are fake( I know 100% that they are) and go from there.

I think that would be a good indicator whether the topic under discussion would bear some fruit.

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3 hours ago, Seadragon said:

I am cynical when it comes to Debt buyers, but How would one prove it is a fake billing statement?

Many of the credit card statements provided to JDBs as part of a purchase/sale are formatted differently than the statements the consumers would have originally received from the OC.  A consumer could make the argument that these are not true and correct copies.  I'm not sure how far this argument would take them.  There would need to be a difference that goes beyond the layout of the document.  A JDB could explain the visual differences by detailing the process by which they received and generated copies of the statements.

Because everything seems to be moving to paperless billing, most everyone can access pdf versions of their statements from their OC's website.  I'd imagine the documents provided to JDBs in the future will eventually end up in the same pdf format to keep things consistent.

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11 hours ago, Seadragon said:

I will Start with the ones from my case which are fake( I know 100% that they are) and go from there.

Fake, as is what? You never had an account with the OC?

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On ‎4‎/‎21‎/‎2018 at 7:21 AM, Harry Seaward said:

Fake, as is what? You never had an account with the OC?

Yes because some of the posters here never had an account with the OC but were sued anyways that is what the topic is about. How debt collectors in their avoidance of paying for documents inevitably may be stealing money from innocent people. So even if it happens only one time it still makes them criminals. So I am saying it has happened in the past and debt collection firms may be purchasing fake accounts. It is not like Wells Fargo or BOA never made up fake accounts right?

So being cynical and saying it hasn't or doesn't happen is in effect condoning the behavior.

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26 minutes ago, Seadragon said:

So I am saying it has happened in the past and debt collection firms may be purchasing fake accounts.

 This is a very different than saying JDBs fake statements.

42 minutes ago, Seadragon said:

So being cynical and saying it hasn't or doesn't happen is in effect condoning the behavior.

Only if there is verifiable evidence that the behavior happened. So far there is none. And I'm talking about JDBs faking statements, which is what this thread is about. 

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