You are here:

Collections Law/debt collectiors


QUESTION: I live in Ohio, back in 2007 I got a letter from FPO saying I owed money from a credit card. I am thinking at that time it was capital one. They offered a repayment of $181 paid in 2 payments. for a total of $362 to pay debt off. I opened a savings account to do this because I didn't want them to have my personal acct info.. So in 1/2007 they told me they cant draw money out of a savings acct so they had to have my bank acct. number, cause it had to be checking. so I must of gave it to them. (really not sure). but they did take out the 2 payments anyways. but all I have to show it is FPO written in my check book, I cant find the papers or anything. Now Capital one is saying I still owe them. I thought this was capital one I paid. I guess my question is , is FPO capital one collections? if not who are they? if this is all I have to show that I paid, is this enough? I really don't know what to do. I am trying to straighten up my credit.(gone thru a bad divorce and its a mess) but I am working on trying to get things straight but it seem that something is always popping up. Can you answer my questions please? thanks Della

ANSWER: I have tried to research FPO and can not find them.  Can you tell me what FPO stands for?

[an error occurred while processing this directive]---------- FOLLOW-UP ----------

QUESTION: No that's all I have in my checkbook. I also have NCO. Maybe that's the Name NCO. I cant really remember. I thought it was all taken care of. I should of done a follow up, but I didn't. Thanks for your time trying to help anyway. Thanks again.

I would not give up yet. Try to get copies of the drafts that went through your checking account from your bank. That could be all the proof you need to clear this up.  If you can not find some type of proof, I am afraid you may be at their mercy,  Good luck with this.

Collections Law

All Answers

Answers by Expert:

Ask Experts


Ray A Miller


I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.


I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.

ACA International

Some college ACA Certified Collection Specialist

Past/Present Clients
I am retired due to medical conditions and spend a good deal of time keeping current on collection issues.

©2017 All rights reserved.

[an error occurred while processing this directive]