I got thee collection bills from MAF collection services, with three different account numbers, these bills were for $58.59 and $63.20 and $310.
I have been disputing the $310 bill all long and I sent two checks to MAF for $58.59 and for $63.20.
On these two checks on the memo line, I had written pay off collection and above that I put the account number.
Later in the week, I check my on line banking and find out that MAF has cashed the two check, but the two checks had been alltered by MAF.
BY marking out the memo line which said pay off collection and the account numbers were marked out and the account number for the $310 was written in above the original account number.
After seeing all this I call my bank and put a complaint in an the bank tells me that it's between you and MAF, because the pay to the order of and the amount of the check was not alltered that it was not bank business.
After that I checked the internet under The Fair Debt Collection Practices Act
Title VIII-Debt Collection Practices [Fair Debt Collection Practices Act]
810. Multiple debts [15 USC 1692h]. If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the comsumer and, where applicable, shall apply such payment in accordance with the consumer's directions.
After all this I call MAF and complaine and told them about the Fair Debt Collection Practices Act.
They said to me they no longer had the two accounts which I was paying off and that the original creditor had removed them before hand.
So the accountant must have marked the checks out because they no longer had these accounts.
But sence the only account we have for you is the $310, the accountant made the checks payable to the $310 account and this is why your credit report says "Paying under a partial payment agreement" original amount $310, recent balance $188.
MAF says that they are going to send the money back and they will fix the account back to $310.
I have called back to MAF they do not seem to want to talk, but I did find out the check has not been written.
I want to file a lawsuit against them, I have up to one year.
If you have a problem with a collection agency keep good records and do like MAF does and record all phone call, it is not against the law if both partys knows that it is being record.
Don't let these collection agencys push you around if you know your right.
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