About a month ago, I received a collection letter from a CA regarding an old Paypal account. I immediately sent them a VOD letter and included "I dispute X, I elect arbitration and phone calls are inconvenient" phrases as laid out on this board.
Today I received the CA's "validation/verification of debt" letter. They included: 1) the original amount of $1083.74, 2) the creditor as Comenity Capital Bank (which I believe I read on this site is the bank associated with Paypal) and account #. No other information (such as address, phone #, etc) of the creditor was provided.
For "proof or validation" they attached a list of charges that is six pages long - it is NOT the original creditor statements - just a list on a weird-looking excel type document. Three pages of the list starts in 2006, stops and picks up again for 2011,2012, 2013. The remaining three pages are "credits" or payments. It is not structured like a statement where one could align the charges and payments - just a laundry list of charges and payments.
While the "total amount due" ($# posted in the upper right corner of the response) is the same amount as the original demand of $X, I cannot determine the amount requested or posted on the validation response letter is the same amount based upon this six page list of charges and credits.
Have they met the minimum burden of "validation proof"? Since there is no starting balance of zero, no alignment of debits and credits, it's not clear if the total amount of the debt was "validated"(is the same as demanded). I also cannot determine if the debt is mine.
I want to send a "still in dispute" letter - thoughts or recommendations anyone?