This company first contacted me and my husband in August claiming we had a collection account for over $1400 that they were seeking payment for. We requested documentation in writing which they said they would provide. A month went by and we never received anything in writing from them. Then we got another phone call. We once again requested written vrification of this debt and were never sent anything.
This has gone on for over a year and a half. We have just for the very first time received a written notice from Camco requesting this debt be paid. The law says they have THIRTY DAYS from the first communication to provide written notice of a debt being collected. This account they are attempting to collect is over ten years old and the original creditor has never contacted us to collect it and no longer have any records of this account since it is so old.
I work for a financial institution and have seen our credit report and this account does not exist. We have never had an account with this account number and we've never even had a late payment with this creditor. We cannot help but feel we've been the victim of a scam. While we have never been treated rudely, the fact that they have called us several dozen times over the course of almost 2 years without providing any written documentation must surely constitute harassment. And here's some more information for anyone reading this.
On March 24 a lawsuit was filed titled United States of America vs. Capital Acquisitions and Management Company for violations to the Federal Fair Debt Collection Practices Act. They are being charged with all sorts of violations of this act including harassment and failure to provide written documentation. I found the court documents on line and printed them out along with a copy of the FDCPA. This company is breaking the law!
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