F.I.A. Card Services
1100 North King Street
Wilmington, DE 19884
F.I.A. Card Services is a company that offers a wide array of credit cards, such as the Wal-Mart and Pay Pal credit cards. Many Americans like you are being contacted by collection agencies hired by F.I.A. Card Services who are trying to get payments on defaulted accounts. Even though you may owe a debt to F.I.A. Card Services or the collection agency it hired, you still have rights.
You should dispute the debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.
If your alleged F.I.A. Card Services account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.
The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:
The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:
Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.
Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here. Vullings Law neither supports nor provides any opinion as to the statements made herein.
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