Can you help me with Questionable Debt Collection Letter?
I just received a debt collection notice from a major national
collection agency naming the amount of debt and the creditor. Here's
the story as briefly as possible. Roughly 6 months ago I purchased a
computer system for about $1600. The website clearly stated it would
arrive in 8-12 business days. It arrived in 33 days, dead on arrival.
I immediately called the company demanding a refund, and an RMA for a
return. They refused claiming a "no return policy" in some fine print
that I never saw nor agreed to at the time of purchase. I advised them
I would dispute the charge and return the equipment, which I did. Many
months later the charge dispute resolved in my favor. Now about 6
months after the fact, I have received a collection notice for the
amount of roughly $278 with this computer company named as the
creditor. I have no idea what the $278 is from. I never received a
bill for $278, nor any notice that I owed $278. The original
transaction was entirely online at the time of purchase, all the
equipment has been returned to the company, and the charge dispute has
been resolved.
Any advice and/or information would be appreciated on this situation.
I'm currently drafting a dispute letter to the collection agency and am
wondering what else I can or should do.
- All you need to do is Send a BareBones Letter citing The Federal Fair
Debt Collection Practices Act and any State Equivalent INFORMING Weasel
Collection Agency that "the Alleged Debt is not Valid and DIRECTING Weasel
Collection Agency to CEASE ALL