Total Card, Inc. Debt Collection Complaint

Total Card, Inc. Debt collection department,

Cont'd attempts collect debt not owed Debt is not mine California

I received a collection notice from a business that claims to be a debt collector. They are supposedly acting on behalf of another business, which is shown on the notice I received to be the current creditor ''. The notice also shows another business as the original creditor ''. I never received any type of notice from either of these - businesses telling me that I owe them anything. It is because of this that I do not believe this is an actual debt. It is most likely a fake debt that this debt collector '' is using to collect money for themselves. The notice shows me owing $960.00 to - - -, which is shown to be the current collector. It also names - - - as the original collector. I am told in the notice that I have - different ways


pay off the entire amount due. My final option would be to pay the amount I decide I can afford to pay monthly, which would have the entire amount repaid after the number of months needed to pay off the entire $960.00. The name and address of the business claiming to be this debt collector is : Total Card , Inc . - - - -, SD - # : - is also stated that I have thirty days to contact Total Card, Inc. to dispute this notice. If they are not contacted, this notice will be considered valid. The notice also says that the company they are representing will not be able to sue me because of the age of this debt, but it does not show me anything regarding any previous transaction date for any type of business that was done for me by -. I have already filed a complaint with the - regarding this notice, and my response back from them mentioned you as another agency that I can contact regarding this debt collection and whether this attempt to collect a debt is even considered legal. I have kept the original notice that I received from this company, along with both the envelope it was sent in and the return envelope. I would like for you to contact me back to let me know if you feel I should send you this information.