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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    Samantha
    | 1 reply
    Ok here's my situation I've been getting phone calls from Regional Adjustment Bureau for a couple of weeks now and yesterday I spoke with a very obnoxious woman named Regina who informed me that I owe $2,226 to Vista College however when I call my student loan company directly they tell me I don't start paying on my loans until June???? I'm not sure what's going on but can someone please offer me some advice that's been in a similar situation or going through this now???
    • 0
      Get it in writing.. replies to Samantha
      They are required to send a letter withing 5 days of first contact (a "g" letter) notifying you of the alleged debt, and of your right to dispute and request validation.  If they fail to send you a "g" letter (say, you don't receive it within 10 days), they are in violation of FDCPA.  If RAB calls again, ask where their "g" letter is.  Document all calls, and save all communication letters, for possible use in court.

      Send a letter disputing the alleged debt, and demanding proof you owe it.  Mail it certified.  If they fail to send you a "g" letter, continue to collect without first sending proof, or misrepresent the amount or status of the debt (including that it is "delinquent", or now due and payable, when it is not), you can sue them for violating FDCPA.

      You can find consumer attorneys in your state through www.naca.net
  • 0
    TrippleD
    | 1 reply
    RAB has put my name on my daughter's account and tried to collect it from me. The account, along with a few others from the same hospital were then forwarded to NRS to try to collect. Those accounts were also changed from my daughter and son-in-law's name to my name.
    • 0
      Get an attorney.. replies to TrippleD
      If they are fabricating or altering original account information, and using it to deceptively attempt to collect from the wrong person, that may be a violation of FDCPA.  You can sue them for violations, and proceeding toward such a lawsuit is often the most direct way to get them to "fix the mistake".

      "Confusion" within a context of "plausible deniability" is an indicator of deliberate intent to deceive and defraud.  The very appearance that "it might have been an innocent accident", with no plausible mechanism short of a deliberate human act for that to have happened, is what suggests the deliberate fraudulent intent.  Such games are not uncommon in the debt collection industry, where they believe they are free to say or assert anything to get money from anyone.

      Send notice to them via certified mail disputing the alleged debt.
      If they continue to attempt to collect, without providing "proof" from the original creditor that you owe it, they may again be in violation of FDCPA.  If they damage your credit, file a dispute through the CRA, and if they fail to correct, that may be a violation of FCRA.

      You can sue them in either your local state or federal court, and there are attorneys who take these cases on contingency.   You can find a consumer attorney in your state through www.naca.net
  • 0
    rube grifted by RAB
    | 2 replies
    I made an agreement with a Sam Curtis that worked with these liars to pay a debt I legitimately owed in April 2015. The agreement was $400 each month for 3 months to be drafted from my account on the 1st of each month.  Twice they jumped the gun by a day, but both payments were successfully withdrawn. A Jay johnson called me on June 14th wanting to collect my final payment due on July 1 because his client was "getting impatient".. I saw I'd no.. Flash forward to the last payment July 1 was not withdrawn, on the 7th I emailed and called the office to find out why. A disconnected number called me back in less than 30 minutes to tell me they had a connection error on the 2nd, he asked for all the information I had already given back in April, I said I would contact my bank and verify funds were available.. They were and still are.  I called the number back.. Disconnected. I called a Sam Curtis at the Dallas location only to be told he was fired and I was in breech of agreement. I tried in vain to explain the chain of events. Michelle Payton argued and talked over me and accused me of everything under the sun. And that now I am in breech of a contract that never existed and I owe a final payment of 845.20. I emailed this person a copy of the contract, her reply was Sam Bo longer works here so that contract is void, we got a NSF from yo bank, time to pay yo bill. I have since contacted the Federal Trade Commision and the Better Business Bureau. They are liars and fruads. I don't even know if the money I have already paid has gone to the debt..
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      rube grifted by these liars replies to rube grifted by RAB
      | 1 reply
      Sorry about the spelling errors . Doing this on my phone..
      • 0
        grifted rube replies to rube grifted by these liars
        I just called 2 rab inc numbers and spoke with 3 different people at RAB inc a John Williams, Angie something and linda something.. At 2 different numbers. They were nice people but none of them could find me or the company I owe money too in their system. I have spoken with 7 different employees at RAB inc.  What in the hell is wrong with this place?
  • 0
    Dan
    I have on going issues with rab inc. They really should not have a business license anywhere. I have all the same things going on . I am just glad they never firt $3000.00 dollar and the it went down to $1900.00 then down to $1500.00. The said they were come to my business and take all vin numbers off my equipment and seize it and talk to all my neighbors. They need to be stop.
  • 0
    Jamie
    I am an office manager at a business and I answer the calls for the business that I work for. I got a nasty phone call from Jonathon at RAB....Do you realize that maybe the person on the other end of the phone has NOTHING to do with the debt in question? Did that occur to you when you belittled me, accusing me of being a liar and then cursing at me when I asked you why you were harassing me? It's not even the same business but you didn't care about that in all your hate and misery. I believe it was "Jesus Christ" that you said to me before I took the opportunity to hang up on your miserable ass. I really hope that you have a better day, Buddy.
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