Like the several hundred other report regarding CAMCO they are trying to collect a debt that even if it were legitimate is well beyond the SoL for any state regarding OPEN ACCOUNTS. They CLAIM this debt is from CitiBank since 1986. I called CitiBank and they have no records of me or this debt.
During a phone call on Feb. 11 in which I continualy told them that they MUST validate this alleged debt in writing I was constantly interrupted and fast talked by BOB, who told me they don't have to validate anything. He eventually made me so mad that I called him an ass@#*e and hung up on him.
On Feb. 16 I recieved a letter and the only information provided was the name CitiBank (no account number) and the amount ($1,556.48) they say I owe, which does not show the original amount. They also offered a settlement amount of $1,245.19 with a notation below that if I did not accept one of their payment options they woul evaluate my credit history and present financial circumstances, then proceed with an appropriate collection program.
I have since contacted the B.B.B., the Florida Department of Consumer Affairs and the Florida States Attorneys Office. I was informed by the B.B.B. Of CAMCO's practices but did not recieve any other info. The Florida Dept. Of Consumer Affairs however informed me that they have had other complaints against CAMCO and that in NO way can CAMCO put anything on your credit reports, nor can they sue you if your debt is beyond the SoL for your state.
Do not let these people use misleading or downright illegal tactics to coerce you into paying by phone or mail without written validations. Also be sure to write a cease and desist letter to them. If they call you after that they are breaking the law.
Please do a web search for the FDCPA to research your leagal rights and NEVER ever acknowledge anything but your name when they contact you. Good luck and don't allow these people to ruin you lives.
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