Calls Relatives regarding your bad debt

ComplaintsCollection AgenciesRAB, Inc - Regional Adjustment Bureau

Complaint

0
Sherrie Heyser
Country: United States
This collection agency calls your relatives to collect from you -
Isn't that illegal? From what I read it is...

Comments

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  • 0
    abc123
    I also have been dealing with RAB and its caused a lot of stress. I am not refusing to pay them, but wanted to work out a payment plan that fit my budget, but they were asking me for amounts I couldn't do. I gave them whatever extra money I had in my bank account. This caused me some set backs and I got behind on my current bills.  I defaulted on a private student loan from a few years ago and RAB has taken over this account. They call me from different numbers and sometimes several times a day. My friend co-signed  on this loan and they are calling his parents, who don't have anything to do with this loan. They are also threatening him to take money out of his bank account. I have never refused to pay it, but wanted to work with them with what I could do. I take full blame on myself for not dealing with this and I do regret taking this loan out. I took this student loan out my 2nd year of college and I had to drop out to support myself and provide a home for myself. Its really difficult trying to get a good paying job with little education. I understand where some people are coming from, cause I do without many things and manage ok. I know these people are doing their jobs, but other measures could be taken. I had to consult with a debt management company recently and I pay them money to pay RAB. I wish I could have just given RAB the monthly payments instead of going through a debt management company. I would think something every month would be better then nothing. I have been back in school now for 2 years with the help of Federal Aid and have slowly gotten things back on track. I also work as much as I can around school to survive. i
  • 0
    annoyed
    I am a debt collector from a law firm, and even we do not call relatives often, unless of course it is a wrong ph#. under the FDCPA you can tell them to no longer contact you or you relatives, if they disclose anything more than they are calling about a personal business matter, then that is disclosing the debt and you have an FDCPA violation. If they continue to call when you have told them to no longer contact you, then you have an FDCPA violation. Unfortunately, collection agencies are not like law firms and don't always abide by the FDCPA correctly. A BBB complaint may work, but since these companies are obnoxious in the first place, it probably will not help. You can send a formal letter of Ceast and Desist, then they cannot contact you again without you lifting the C&D, and that is a big law suit if they do.
  • 0
    New to abuse
    | 2 replies
    I was recently notified by an RAB collector that they would be sending a investigator to my home and former business address. The kicker is they used a stolen number of an elderly lady to make this call and I was shocked when I called Rab and they said that this was a common practice that they do this so we "the big bad consumer" will not be able to actually contact the investigator and preventy him from making this visit...UNREAL
    • 0
      tj replies to New to abuse
      | 1 reply
      Deceptive collection violates FDCPA.  

      Case law and FTC opinion letters have long established that using false names to identify aa debt collector, such as a false name in a return address, is deceptive collection.

      Court cases have also found that using spoofed caller id, such as 911 or the local sheriff's department, also violates federal and state laws.

      Spoofed caller id also suggests a deliberate attempt to call for purposes of harassment, and attempting to interfere with consumers' exercise of their rights to dispute, request validation, and send cease communications letters, by hiding the true identity of the harassing callers.

      You can sue them for it.

      Log all calls, including caller id information, date and time, and deceptive statements made by the callers.

      In particular, log their admissions that they spoof caller id, noting the date and time of the call, the "identity" of the caller, and sign and date as a contemporaneous log.

      Since FDCPA allows courts to award damages AND your attorney fees, there are attorneys who take these cases on contingency.  If they are doing this systematically, there may also be class action possibilities.

      You can find a consumer attorney in your state through www.naca.net
      • 0
        tj replies to tj
        "Sending an investigator" is both deceptive collection, and also a possible physical threat.

        There is no "investigator" that any debt collector operating primarily by phone harassment is going to send anywhere.  Some phone thug is just full of himself, spouting BS.
  • 0
    Former RAB Collector
    Even if they have contact information on you if they never get in touch with you to verify it or you fail to make the payments that you agreed to and then they cant contact you they call neighbors reliatives and freinds that they cant get good contact information on to leave a message for you without reveling the reason for the call.If you want the calls to neighbors and freinds to stop talk to them when they call and I dont know PAY YOUR DEBT.Your change in life dosent matter if you borrow money and dont pay it back its stealing .
  • 0
    Former RAB Collector
    | 2 replies
    Heres a hint for you if you dont like dealing with the third party collection company you can insist that youll only work with the original loan holder but heres the problem with that.All of the protctions from the fdca only apply to third party the first party loan holder can do a whole lot more in the pursuit of the debt.Ans as to the investigator you talking out of your butt the only thing they do is refer for further collection efforts I should know Ive said it often enough.
    • 0
      Sickandtired replies to Former RAB Collector
      | 1 reply
      First off, try proof reading before you post. Secondly, I have been getting calls for approximately 3 years. The person that owes the debt used a made up phone number which happens to be my phone number. I have repeatedly told the a$$holes at RAB that they are calling the wrong number and that I have never heard of the person they are looking for. I have been assured by supervisors at RAB that the number would be deleted from their database. I am a police officer in Maryland and as such am familiar with phone harrassment laws. The good news is I will not only sue them but file criminal charges as well.

      So for you RAB collectors with your brilliant advice about paying your debt and you won't get any more calls, how do I stop them when I never had a debt in the first place!??
      • 0
        tj replies to Sickandtired
        Abusive and harassing collection, including repeatedly making calls for purposes of harassment, are violations of FDCPA.  If you sue, in federal or state court, the court can award actual plus statutory damages, and reasonable attorney fees, if you win, so there are attorneys who take these cases on contingency.

        You can find a consumer attorney in your state through www.naca.net
  • 0
    the fonz
    | 1 reply
    have just filed A small claim court case against Regional Adjustment Bureau for just about all the above violations. they have stopped calling, and I am sure very afraid they are going to lose this case.
    Would recommend any victims of this scam company sue their [***] in small claims court, may attorneys will help.
    • 0
      kab replies to the fonz
      Thinking of doing the same. They told my son I failed to show up for two court appearances which was a lie
  • 0
    help
    | 2 replies
    would also ask that anybody who has been victimized by these crooks please email, by the amount of these complaints we should have A class action case, and get these crook out of business

    kwanta200@gmail.com
    • 0
      wendy replies to help
      Yeah these idiots called and when i asked they actually told me what the debt this person owed along with social full name and birthday, their credit is probably trashed but if not they might be in Future depending In who These fools called.
    • 0
      rube grifted by these liars replies to help
      I'll email you
  • 0
    Jen
    I am one of those receiving 4-5 calls per day from RAB.  I have spoken to a rep, explained my situation and that I am unable to pay anything right now.  If I have $50 after paying rent and the rest of my bills, I am buying groceries not paying on a bill that I have disputed from the beginning anyway.  I used to be a debt collector-I know how FDCPA works and the loopholes all third party collection agencies use to get around the rules.  The reason you ignorant [***] don't ever leave a message is because once you leave a message, you can't call again until the next day.
    That is cheap and irritating but legal.
    Pay my bills?  That's your answer?  Let's see.  I did not apply for a loan for excessive luxury.  I was at the time trying to better my life.  Unforseen events led me to not be able to complete that journey.
    At the present, I am a single parent working 40-50 hours a week trying to provide for my son.  Sorry, Charlie...My family comes before some stupid student loan that got me nowhere but further in debt.  Welcome to reality.  Unfortunately, I am in the majority here.  
    Just face it.  You can't get blood from a turnip.  As for your predictive dialer, you really should adjust the settings.  Even with no message left, 4-5 calls every single day is abusive and morally wrong.
    By the way, look up the word "moral" you might find that interesting!
  • 0
    Concerned
    I got a call from RAB yesterday, the woman on the phone said I my dept was turned over to them from another agency I never heard of and had never made any contact with me in the first place. I asked what the dept was for and she then had to look for it. When she told me what it was for she demanded that I make the full payment right there in the phone. Every time I tried to say something when she made this demand she told me to let her talk and not argue with her. I lost my temper then. I told her that by law that they had to send me a statement from them for the dept, she said "We mailed it out to you yesterday." In a nasty manner may I mention. I told her I am not making a payment until I get that statement from them. The she said that "I am going to note that you are refusing to pay then." I told her that "I am not refusing to pay" May I also mention that when they called they never said the call was being recorded for quality assurance which all lagit dept collectors mention. She hung up on me when I demanded to speak to her supervisor, I called back and she in a very nasty manner, "I am done with and not dealing with you," Me: "Give me you supervisor NOW!" All of the sudden her supervisor (Mark Bray) came on the line. I told him that I wanted to pay the dept and said that I get 3 pays for March with my 1st pay being on March 1st and that I am not making a payment until I get the statement they supposedly sent. He told me that I had to make the pay in full with one payment (I discovered from the initial debtor that this is a lie people like them often us). I also learned that they have to make reasonable payment arrangements. Not give you 1 1/2 weeks to pay the dept like they are doing to me. He too was a bit rude. But I will call him back and let him know I did not get their letter and they will not receive 1 penny from me until I do and that they will be sent money order(s) for my payments and that is final.
  • 0
    Hates RAB!!!!
    RAB sucks i use to work for them!! The managers only care about bonuses, they pressure you into telling people they have to pay a big amount even if they don't have much money, they only want the employees to hit goal so they make money, they google info on people and call all their family that they found off 411 but tell you they were listed as a possible relative. They try to force you to pay big but truth is you can set up to only pay 20 a month and they have to take it. They put people on hold and laugh at them, make fun of them they only worry about getting a bonuses!! The managers are money hungry and heartless !!! The heartless managers who try to take all your money are kia davis! Torie williams! The collectors who are very rude and some nice use fake names they aways break rules and get dinged for breaking collection laws but gretchen never does anything about it!! Collectors are always late, laura bruce is the main one but they baby her and barbra white uses her bonuses off poor debters money to buy drugs and is always messed up at work!!  DON'T TRUST REGIONAL ADJUSTMENT BUREAU!!!!!!!
  • 0
    Hates RAB!!!!
    RAB sucks i use to work for them!! The managers only care about bonuses, they pressure you into telling people they have to pay a big amount even if they don't have much money, they only want the employees to hit goal so they make money, they google info on people and call all their family that they found off 411 but tell you they were listed as a possible relative. They try to force you to pay big but truth is you can set up to only pay 20 a month and they have to take it. They put people on hold and laugh at them, make fun of them they only worry about getting a bonuses!! The managers are money hungry and heartless !!! The heartless managers who try to take all your money are kia davis! Torie williams! The collectors who are very rude and some nice use fake names they aways break rules and get dinged for breaking collection laws but gretchen never does anything about it!! Collectors are always late, laura bruce is the main one but they baby her and barbra white uses her bonuses off poor debters money to buy drugs and is always messed up at work!!  DON'T TRUST REGIONAL ADJUSTMENT BUREAU!!!!!!!
  • 0
    Just me
    They keep calling me looking for my daughter's boyfriend.  They sold his car for nothing and are trying to make him pay more than the car was ever worth.  I wish they would leave me out of it.
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