So you are wanting to dispute lates? (just making sure)
The one thing you may want to be aware of is when you dispute something on a GOOD TL, you are risking having the whole thing deleted. I've just seen it happen.
I really think in this situation you should try goodwill letters first. Keep calling, write letters (go up on the chain to an exec like a Pres. or CEO) or send emails. BE PERSISTENT. Don't give up on the first "no". Some people have had to try for months but eventually got a sympathetic ear.
Another thing I want to mention is that you never want to send an OC a standard DV. They don't validate, they verify. It's all about the laws. :rolleyes: If you send them a letter asking for validation, they will probably ignore it and unfortunately in most states, OCs don't have to respond even to a debt verification letter. Sad but true. There are special "verification" letters to send OCs.
SO, if you do want to send a letter, I will find the one I used for Crap 1 and post it. You have to sent them the letter first, give it about 30 days, if no response, send another one. THEN, if they still don't respond, dispute it.
If you still don't get anywhere, then one thing you can try is filing a complaint with the OCC (or WA state treasury if it's a state chartered bank).
That might light a fire under them to answer you.
I'm about to do the same thing myself on a bank that won't respond to me. I have been trying for months. :mad:
Ok, I've babbled long enough. I'll look for that letter and post it in the letters thread. ok?
HTH
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