Tue, 12/11/2007 20:34
I have been battling this company since the summer. I had two First Premier Bank cards several years ago. I paid one off and continued payments on the other. During my "debt days" it was charged off for non payment, but I never heard about it. It was just listed as a charge-off on my credit report. I repeatedly contacted FPB to provide information and they NEVER ONCE acknowledged my correspondance.
Long story short, I received a notice from Arrow Financial over the summer for the account. I sent them a valiadation request in July and never heard from them until they started to call again a couple of months ago. I again asked for validation.
I just received "validation" which consists of a bunch of financial forms with the name blacked out. In their letter, they do not make any reference to the amount owed now. When charged off, it was $722. The first letter from Arrow asked for $950.
This can't be proper validation, can it? If not, what is my next step? They are now on my credit report as a collection item and so is the original account with FPB. Can that be listed twice?
I can handle this company, no problem, but before I proceed, I would like some feedback.