I had received a phone call from CA/JDB? and stated that I had not received any sort of written communication from them and could they please send something in writing stating their concern and who they were. I received a dunning letter shortly thereafter.
The initial letter I sent said
" I am writing in response to a phone call and follow up letter i received from you on XXXX, 2012.
Pursuant to my rights under federal debt collection laws, I am requesting that you provide validation of this debt.
Note that is not a refusal to pay, but a request that your offices provide me with evidence that I have a legal obligation to pay you and a complete account of the alleged amount due.
Please provide such verification by mail using the above address. During this time, please limit all such contact to mailed correspondence and not contact me by phone.
The CA replied with a stack of statements and in with the documents was a letter from the OC addressed to "Dear Cardmember" that said,
"Enclosed are your statement copies that you have requested. If any months seem to be missing from your request, it is because our records indicated that there was no activity on your account during those months.
Your billing statements will indicate the amount your Account has been billed for this service. As a reminder you can print the last 6 months of your previous statements no charge through the Manage Your Account section at www.xxxxxxx.com. ......."
The bottom of the letter had a bar code and printed address area for ease in stuffing in an envelope to show through a window and it said
City, State, zip
The OC letter made is sound like "I" requested statements where I asked CA/JDB to verify the debt and who they are. I found this on the FTC site of staff opinions: http://www.ftc.gov/os/statutes/fdcpa/letters/krisor2.htm
2. A collector may not charge (the consumer) for copies of the documentation of the indebtedness mailed in response to the collector's obligations under Section 809(b). To do so could constitute an imposition of a fee or service charge in violation of Section 808(l) of the Act.(1) The cost of obtaining documentation referred to in your letter is more appropriately a cost of doing business by the collector in the same manner as is postage and telephone charges.
I did write a follow up letter wherein I stated I'd "received a package of documents but in reviewing them, did not see any type of agreements, copies of contracts and/or documentation stating that they had a legal right to discuss or collect on this alleged account or that validates the accuracy of your claimed alleged balance due".
I asked them to clarify their relationship to AM X, provide a copy of their contract/agreement with AM X, and asked for a copy of the letter sent to AM X "on behalf of 'myname' to obtain the documents sent to me..."
Clarified the all phone calls are inconvenient (didn't do that quite right the first time) and included an "if there is an underlying arb clause...".
[Note - am learning a lot about better and better DV letter requests :-) This was one of the first ones I'd ever written]