What to do if I recently just mailed in a payment to a debt collector to pay off an account yet while the agency took my payment it did not credit it to my account?

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What to do if I recently just mailed in a payment to a debt collector to pay off an account yet while the agency took my payment it did not credit it to my account?

By them not crediting my account, they caused me to lose a house I was buying. Can I sue them for this?

Asked on September 21, 2013 under Bankruptcy Law, Colorado

Answers:

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

Yes you can sue them and it could be considered a violation of the Fair Debt Collection Practices Act. Contact the Consumer Financial Protection Bureau and file a consumer complaint as well as contacting the Federal Trade Commission. Ultimately, you need to prove this failure directly resulted in your loss of the home (this is how you prove damages) so be prepared to show the paperwork trail.

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

Yes you can sue them and it could be considered a violation of the Fair Debt Collection Practices Act. Contact the Consumer Financial Protection Bureau and file a consumer complaint as well as contacting the Federal Trade Commission. Ultimately, you need to prove this failure directly resulted in your loss of the home (this is how you prove damages) so be prepared to show the paperwork trail.


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