West Asset Management, a collection agency for AT&T is adding unlawful fees to my balance that was charged off to zero by AT&T. West Asset management is charging in addition $13.73 in a "collection fee" which is illegal, and not agreed to by contract, even though I have no contract with the collection agency. The only contract I had was with AT&T & AT&T charged off this alleged debt of $76.30 and our agreement provides for no fees should the account go into collections. The problem I have is that I challenged that debt long ago by third party services illegally added to my AT&T bill I never authorized that exceeded the $76.30 bill. I never got full credit for all illegal charges to my land line phone bill.
AT&T refuses to answer how much financial consideration they received to sell my alleged debt to West Asset Management. West Asset Management refuses to tell me how much money they paid for this charged off account too. This amount needs to be credited to the account, but I have not been given any credit towards this bill. This is fraud. If no financial consideration was paid by West Asset Management to receive this debt & I believe there were no monies paid by them to buy this debt, than certainly there is no consideration and hence no binding or legal contract exists between AT&T & West Asset Management which makes their collection activity against me illegal and a fraud. AT&T has written off this account to zero, so they admit they no longer have a financial interest in this account. Since the collection agency can't prove that they are the owner of this account with collection rights & haven't validated any contract or any debt, & paid nothing for this debt, they are acting illegally trying to collect on this debt. Also West Asset Management is violating the Fair Credit Act by acting as a creditor when in fact they are not, by putting negative information on all 3 of my credit bureau reports so I have financial damages that exceed the alleged debt.
I have also made a complaint with the Federal Trade Commission & they will investigate my charges & claims too against this collection agency.
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