I received a collection letter from Monarch Recovery Management XXXX Inc XXXX Monarch XXXX dated XXXX XXXX, 2015. In the letter they state they are attempting to collect a debt on behalf of XXXX Bank. I was immediately suspicious as I have never held an account with XXXX Bank. I contacted XXXX Bank and they confirmed my suspicion of not ever having an account with them, not owing them money and that they never turned anything over to Monarch nor do they use them for collection. I then sent Monarch a debt validation letter on XXXX XXXX asking them to provide details of the debt. I had not heard from them until today when I received a second debt collection notice dated XXXX XXXX, 2015. I called the number listed on the letter and while I did not get an actual person, I left a voicemail asking them to cease and desist any further collection attempts until such debt validation has been made per FDCPA guidelines as enforced by the FTC.