They are clearly a fly by night operation. I checked with the NYS Licensing Bureau and they did not even bother to license or bond themselves. Although it is not required in some areas of NY (Buffalo has a licensing requirement and a $5,000 bond) this is a red flag in itself.
I received a stock dunning letter about some idiotic debt of $300. So I immediately fired off a certified validation letter demanding to cease and desist collection activities prior to verification and validation of purported debt pursuant to the Fair Debt Collection Practices Act. 15 U.S.C. ?? 1601.1692 et seq.
Basically I served written notice to Metropolitan Debt that I decline to pay the erroneous purported debt: which is unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud.
They refused to answer any of the validation points and threatened to sue. I sent them another certified letter invoking the law and stating:
""You appear to respond to my original validation request by blatantly and deliberately ignoring my request and threatening court action instead ? but legal precedent (see Spears vs. Brennan) says that a collection agency cannot sue an individual if it has not satisfactorily validated the debt within the initial 30-day period.""
So far - no word on the validation request. I'm going to give them another 30 days to shoot themselves in the foot. If they send me one more letter or even hit my credit report with a negative entry, I **WILL** sue them for $1,000 for EACH infraction and my attorney told me I'm, ""right on the ball"" with my letters and actions with certified letters (the Post Office says the certified letter was delivered but they have not picked it up from their box - purportedly to play dumb and wait and claim they haven't received anything...). I pray they are dumb enough to send me another notice because I could use a couple of grand!
Metropolitan is so unethical and unprofessional. Letters are computer generated and unsigned, no letterhead. Anyone who receives such a letter needs to challenge them legally under Fair Debt Collection Practices Act. 15 U.S.C. ?? 1601.1692 et seq. It is YOUR Constitutional right and Metropolitan HAS to respond to all of your validation request points or drop the activity altogether. They are clearly bottom feeders.