Sams Club
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Sams Club is a company that offers a wide array of groceries, electronics, and furniture for retail sale. Many Americans like you are being contacted by collection agencies hired by Sams Club who are trying to get payments on defaulted accounts. Even though you may owe a debt to Sams Club 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 Sams Club 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.
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I applied for a Sams Club card to use for purchases for my business. Payments don’t get credited correctly to the Sams Club card account, payments made in the store don’t get credited correctly and customer service is horrendous. We are currently fighting over a late payment that was made on my Sams Club card in the store and not credited to the account. The card is mismanaged by Synchrony Bank so beware of any of their cards.