Mark
Houston,#2Consumer Comment
Sat, June 20, 2009
Get your money back Mark
Laurie
Haslet,#3Consumer Comment
Mon, December 22, 2008
You can sue them in Small claims court for violations to Fair Debt Collection Practice Act. First mistake you made was not demanding debt validation! Collection Agencies cannot just call and demand you pay - they are required by law to prove the account is yours - You did not do this. Any threats they make are illegal as well You can find info on FDCPA here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm You said the card was stolen long after it was paid off - Did you report it to BoA? www.budhibbs.com A consumer advocate website - COLLECTION AGENCIES DO NOT WANT YOU TO KNOW ABOUT THIS WEBSITE! They expose the worst nasty ILLEGAL tricks they use to get you to pay what you do not owe.