I defaulted on a credit card last year, and the bank authorized a collection agency to get their money. The agency made a few FDCPA and Rosenthal violations (California), so I threatened to counter-sue. Then the bank transferred it to another agency, and virtually the same thing happened. They are now on the third agency, who made another violation (disclosing my financial info to a third party). The bank did not sell the debt, they've always held it.
Because I do owe this money, I want to make a settlement. For leverage, though, can I hold the bank accountable of the actions of the debt collectors who were working on their behalf? I want to use the option of counter-suing for harassment in addition to the collection violations, because this has happened three times.