Harassment
Complaint
Lois Langehaug
Country: United States
MCI Collections bought a debt that T Mobile claimed that I owed when I quit their service. I was told before I quit that my bill was a certain amount and then I quit and T Mobile tripled the charges. I paid what I felt I should have been charged and stood up for myself by not paying the other unaware of charges.
T Mobile sold the debt to MCI Collections and they are constantly calling my cell phone. I've changed my number once and they found my new number.
T Mobile sold the debt to MCI Collections and they are constantly calling my cell phone. I've changed my number once and they found my new number.
Comments
You can find a consumer attorney in your state through www.naca.net
1) No apparent connection to any real debt, only vague or no information, "debt" may be real old, past SOL, doesn't match anything on your credit reports, etc.
2) Indications they are "skip-tracing" (trying to contact someone matching your maiden name), and just guessing who to harass. You're supposed to "beg" to be the person they are trying to fleece, to "avoid trouble".
3) Illegal deceptive implication of some "lawsuit", through pretending to be a "process server" serving a "summons" (or in this case a "subpoena". She didn't even use the right legal term.).
4) Abusive and harassing phone calls. Deception is always accompanied by intimidation through abuse and harassment.
5) Illegal threats that "you will be in contempt of court", or "you will be arrested", or "your wages will be garnished", etc, like she is some judge and can just order it.
6) Evasion of FDCPA validation, which might likely prove the "debt" isn't owed, or you aren't even the correct person, through use of threats to overcome your reluctance to pay some "debt" you don't think you owe.
7) Using illegal threats and deception likely to collect even when they contact and threaten the wrong person, making it an extortionate shakedown scam.
8) Deceptive attempt to evade FDCPA validation requirements and pressure you for money immediately, by implying you had to "settle" immediately.
9) Implying that if you don't "settle" immediately it will cost you "a lot more", like made up "court or attorney fees", or that you would be penalized for demanding proof you owe this "debt".
What are we up to, +9 counts on the deception meter?
This form is the "process server" script, to pretend there is some "lawsuit" as a threat.
Basically, she's BSing you, attempting to scare you into paying her money without any proof you even owe it. The fact that she has it all scripted, with all details aimed at deception and threats, all toward collecting money without validation, shows that she does this routinely, probably hundreds of times a day.
If there really was a lawsuit, the attorney would just hire a real process server to serve a SUMMONS (not a "subpoena"). More likely, if there really was some debt, even owed by some other person, a legitimate collection agency would have sent an FDCPA "g" letter notifying you of the alleged debt and of your right to dispute it, even if they had misidentified you as the "debtor".
That's what the law requires, within 5 days of first contact, but the scam "debt collectors" never do that. Instead, they just keep harassing by phone, never disclosing any real information, and hoping that their illegal threats and harassment will con someone into paying them.
File complaints with FTC and your state Attorney General.
If you want to stop their harassing calls, tell them you are recording the call to forward to your state AG.
See how fast they hang up.
Otherwise, ignore them.
So folks, don't fall victim to these scams. Tell them to cease and desist from harassing you and to provide you the information in writing. Don't confirm your information, if they are authentic , they would have that information.
Be watchful, safe, and quick thinking! Keep an eye on your credit report!