- Report: #258793
Complaint Review: First National Collection Bureau - Asset Acceptance - GE Money Bank - Sparks Nevada
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First National Collection Bureau - Asset Acceptance - GE Money Bank
610 Waltham Way Sparks, 89434 Nevada, U.S.A.
Phone:
800-824-6191
Web:
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First National Collection Bureau - Asset Acceptance - GE Money Bank ripoff Trying to collect a debt I don't recognize and won't tell me what it originally was for Sparks Nevada
I have a collection notice with a settlement offer for a debt I cannot attribute to myself now or in the past. The Original Creditor is said to be GE Money Bank. I have one account with them, which is almost always current and certainly never more than 30 days lates in its history with me. Calling Paypal, which is the company using GE Money Bank, I am told that my account is in good standing. The company, affiliated with Accept Acceptance LLC is called First National Collection Bureau , Inc. and says it can tell me what the debt is for, when the acct was opened with the original creditor etc. They tell me it was a credit car with the following number 5348 1899 9976 XXXX. I have no cards with such a number and NEVER had one from GE Money Bank in my life. They say it is in my social security number with my address on it. One thing I am concerned with is that my address is just 4 years old and would not have been on some old credit card prior to that time. I feel they are trying to leverage this $440 settlement from me, claiming it is already on my credit report. I pulled my report in April and there is no GE money bank account other than the one I pay every month on time. Ther is certainly no asset acceptance account or master card with that account number. I do not want to have this on my report if it not mine and wonder what my legal options are. Thanks.
John
Mantua, Ohio
U.S.A.
John
Mantua, Ohio
U.S.A.
2 Updates & Rebuttals
X
Oakland,California,
U.S.A.
It might be a store card
#2Consumer Suggestion
Fri, July 20, 2007
GE Money finances several accounts in addition to Paypal...Here are a few I know off of the top of my head...JC Penney, Dillards, Lowes, Belk, Wal Mart, Sams Club, Gap, Old Navy, Bananna Republic, American Eagle, Linens & Things, d**k's Sporting Goods, Parisian, Brooks Brothers, Meijer, any many many more. It might be appear as gemb, the name of the card, or Monogram Bank of Georgia (GE and Chase's old bank). Good luck.
Robert
Buffalo,New York,
U.S.A.
Send them a letter
#3Consumer Suggestion
Thu, July 05, 2007
Send a certified, return receipt requested letter disputing the debt and requesting validation of the debt IAW the Fair Dept Collection Practices Act. Request copies of all documents that makes them believe this debt belongs to you. You want to specifically state to them that you are disputing the debt because it isn't yours and that you want written validation of the debt. Since they sent you a notice (required by the FDCPA) there is NO NEED TO SPEAK TO THEM. All communication between you and them must be in writing. If they call you: simply state that you have sent a certified letter disputing the debt and requesting validation and that you will not discuss the matter and that they are not to call you again - then hang up! DO NOT TALK WITH THEM - DO NOT GIVE THEM ANY PERSONAL INFORMATION OVER THE PHONE. Do not make or agree to any settlement offers or respond to any threats. The burden of proof is on them. They must provide proof to you that the debt is yours. Until they do that - NO TALKING WITH THEM. If the debt is truly not yours, you shouldn't hear from them any further. If they send you the validation documents, you'll need to evaluate them to figure out what your next step should be.
