We got a mail today,..leading edge recovery solutions ..and it says that my boyfriend owes .81. It says original creditor: CHASE
and Creditor : JP Morgan chase, dda. He doesn’t use chase bank anymore he said he closed his account and doesn’t have his cards or papers anymore.so we cant look it up now. how does he owe ? this is the first letter we ever got about this and it says "Your delinquent account has been placed with our company for collection. We hae been authorized by our client to collect the outstanding amount owed to them.
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof this Office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of the debt or any portion thereof this office will obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor if different from the current creditor."
Sincerely,, Collections Department
This is really confusing of course we plan to go call up and ask and go to chase bank too. any advice we dont know what we owe first time.. this is not a scam i noe that it has account num and reference.whats up with this letter? Will it mess his credit?
Dispute, ask for proof, then pay up. It’s not worth the credit damage.
Sounds like the account went negative either through and overdraft or fees that caused a negative balance and then NSF fees hit and the bank couldn’t contact him and sent it out for collection.
Did he actually close the account or just stop using it?
Anything in collections will go against his credit. Are you sure he didn’t have an over drawn account and that’s how it was closed? I don’t know him, I just know it’s possible. If you are sure it’s not something he owes then yes, have it checked. It might even be possible that somebody got a hold of his info in some type of identity theft. But usually if you owe the bank they will send you statement and letter prior to going to collections. Have you gotten anything from the bank about owing money? If not, then mention that to them as well.
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