Oh my gosh what a nightmare. In october last year we got a call that my husband owed 3,000 to camco for a citibank account from over 11 years ago.. I called him and he said.. he didn't think he ever had one.. he was a bad alcoholic in his mid late 20's and really has no clue.
He is sober now and his credit is spotless, so we called them back and said can we settle. he is on his feet and we don't want his credit ruined.. ( they said it would go on his credit again if he didn't settle as they bought it from citibank) we asked for a copy and they said citibank would have to send it and that it would go on the credit in the meantime.. we didn't want to lose his credit as we were buying a home, so we authorized a payment for $500.00 and sent an electronic check to them. with the condition of a release letter. We chalked it up to a drinking life lesson.
no letter came.. no letter came.. we fast forward to February.. and we get call after call from EWCC and they said. haven't you gotten our letters. ( NO nothing nada no letter) they now say we owe it in full and they bought from camco.. They wouldn't talk to me. only my husband even with his authorization, the said they show a payment in October.. my husband said.. I didn't send it to you.. i never paid a payment to you.. then they said it was to camco. .and we called back and said.. yes he paid to camco and it was settled in full and they said. no it wasn't and the harrassment started.. THIS IS OVER 12 YEARS OLD AND NO ONE HAS SENT ANY PROOF.
we just faxed a cease and decist letter and filed with the ftc, and the Attorney General.. We live in CA .. the statute of limitation is long gone.. I think.. if anyone knows the statute let me know
simi valley, California