AAG purchased a 6 year old debt from Wells Fargo. The debt was last reported by Wells Fargo as $23, 779 in November 2009. As soon as AAG bought it, the debt suddenly jumped to $35, 810 in March 2010 and $37, 784 in May. They did not reply to my FDCPA letter for verification and ignored my follow up cease communications letter as well, both of which I had mailed certified with return receipt. On June 1 I turned everything over to WV Attorney Generals Office Consumer Protection Division. They were very interested and said this company had multiple violations in the state and were already under investigation and told me if I received anything else or the company sued to contact their office immediately.

WV state law forbids a debt collector from adding interest or fees to a purchased debt and Calvary and National Service Bureau were recently sued for doing just that. "The second suit brought by the Attorney General McGraw's Consumer Protection Division contends that Seattle Service Bureau, Inc., which does business as National Service Bureau, of Shoreline, WA, is also unlicensed to collect debts in West Virginia and has added illegal interest, collection fees and other charges to debts allegedly owed by West Virginia consumers. State law says that except for certain education loans collection agencies are
prohibited from adding fees to the debts they attempt to collect."

West Virginia residents, do NOT deal with this company, contact the Attorney General Office if you receive anything from them. You may be in for a big payday if they attempt to sue you, because it sounds like they might not even be licensed or bonded to collect debt in WV.

Attached is a collection letter from this company showing the illegal interest...