Collection of Non Payment
Complaint
Perez
Country: United States
WE received a call for senior citizen at this residents staing she owes money for a magizine subscription. But she refuzed to talk to me and wanted that subject she call. She wanted a credit card or Bank Car to debit her card, which she does not have. So she told them they only can get Money Orders from here. ( That what she pays for Items ) and they gave her an address P.O. Box 67015, Harrisburg, PA 17106. To send money order to.
Comments
they must have gotten their fraud education from Nigeria......yuk yuk
The CRA's just say their client said the information was "accurate", so they don't care as long as they get paid.
It practically takes a class action, or action by FTC or a state Attorney General, to even get their attention. Otherwise, the CRAs may even make money off of consumer disputes.
There have been a couple of cases where CRAs stopped taking credit reporting from a source, due to "errors". One case was with a debt collector for terminated Bally's Fitness accounts a few years back.
You disputed their "erroneous" entry via the CRA. They verified, which is the first step to establishing their liability for their error.
Indications from other complaints are that they may be routinely collecting on unowed "debts" and possibly faking their "verifications". In particular, this has shown up in connection with old BMG/Columbia House accounts, where complaints allege they have been routinely damaging the credit of consumers who never even had such accounts, over small amounts similar to yours. They appear to have decided it's profitable to play "chicken" with people's credit reports.
If you want it off your credit reports, get an attorney and sue them. It will probably go away really quickly. You might try www.naca.net to find an attorney in your state.
Consumers can sue for FDCPA violations, as well as similar violations of state laws.
Contact a consumer attorney. You might try www.naca.net
Many complaints against them are over old Columbia House/BMG "music club" accounts.
If you review complaints against Columbia House and BMG (see consumeraffairs.com), you find many complaints reporting forced shipments of unordered merchandise, failure to account for purchases against "teaser offer" requirements, as well as unwanted shipments and billing of people who claim they never even signed up or had a Columbia House account. Complaints suggest they may have been actively padding their sales with crammed "orders" under the guise of "negative option" marketing.
They were also sued by FTC for violating Do Not Call regulations by calling past customers who cancelled MONTHS after cancellation.
http://www.ftc.gov/opa/2005/07/columbiahouse.shtm
What also shows up reported against several debt collectors collecting on old CH/BMG accounts are numerous "termination fee" "debts".
CH ran their negative option scheme with terms allowing about $150 to be crammed onto customers' balances if they didn't order the "agreed" purchases in some period of time. Given the reports of sloppy purchase accounting, and even crammed "orders", some fraction of these "termination fees" may have been fraudulent, but they may have added value when old accounts of inactive customers were sold off to debt collectors years later.
"Aging" inactive accounts may have increased their value when sold by adding the "termination fee". In addition, numerous consumer complaints report collection activity many years later (6 years and longer is not uncommon), long after most consumers would no longer had access to records to refute the claimed charges.
The common thread through complaints against several debt collectors collecting on these old CH accounts is that they routinely damage credit, over questionable, possibly fraudulent bills. In many cases, the first that people have heard of this alleged debt is from damage to their credit, over an allegedly $35 to $150 account when they were never even a CH customer.
These complaints, for credit damage on unowed "debt", show up in particular against NCS as well as NRA Group. NCS got sued by the Montana AG over similar collection tactics on old Hollywood Video accounts, settling within days of being sued.
Given this pattern, "accidental" credit damage without any notice, against people who don't even owe the alleged "debt", appears to be a deliberate shakedown tactic. Furious consumers report that when NRA Group is called, they don't appear surprised people claim it's not their debt, but offer to remove the credit ding right after they get payment. That isn't even normal credit agency policy.
They say they will keep posting to my credit report for $140.00!! What a joke I just pulled my credit (690)to purchase a car it show I have have nothing from them. Funny I got a great rate on a used car 4.2% pretty good for a used car.
I am going to just ignore there calls. This is just one big scam!!!