So my husband recieved a letter dated for October, just this month. It was from a Regent Collection Agency/ Assets Management. The letter stated that he owed a large amount of money regarding a U.S. Bank account that he closed 2 years ago and that he had 14 days to reply or a lawsuit would be filed against him.
We called Regent and they told us that they woudl not provide a break down, only that part of the money was an overdraft from the closed account and the rest was interest accrued. They offered either a one time or two time payment plan where if we agreed, they would take 300 off of the total owed. They also had my husband’s social and our debit card # on file and asked when we would like to start the payments.
I called U.S. Bank to get details on the account and they had nothing. NADA. They said that we were no longer in their records whatsoever and that Regent is responsible for everything.
I called Regent back and they said that if we didn’t make the payments they would get an attorney, take us to court, and that they have a signed afffadavit from a U.S. Bank banker that would win their case. They also REFUSED to send me a copy of the letter they sent my husband or any sort of verification or proof of why we owed the money.
I have since talked to an attorney, changed my debit card and bank account #, and have recorded the dates, times and names of the people from Regent I have talked to. I also went online and found a bunch of sites that say Regent is a scam.
What do you think? What else should I do? Legally we are not liable for a debt that can not be proven…correct?
I meant 2 year old closed account.
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