OBJECT: 2-DAY NOTICE BEFORE COLLECTION ON DELINQUENT ACCOUNT
Complaint
Oka'
Country: United States
April 8, 2017
Name:
S.S.N:
City:
State:
Zip:
Dear: veronica jackson
I realize you haven’t reacted to my previous notices concerning your account. I have written to you quite a few times over the past 11 months requesting an explanation on why you have failed to bring your account with us current. Including the interests, the amount due is now $1320.00.
Unfortunately, by ignoring these warnings you are damaging the excellent credit record you had previously maintained with Capital Credit Adjusters In addition, you are incurring additional expenses to yourself and to us.
Please arrange payment of this account today or, if you cannot make full payment at this time, please contact us to make a payment arrangement that is mutually acceptable,
I hate to engage in that process but unless you communicate with us within 2 days, we will have no other choice but to turn your account over for collection. I am sorry that we are about to take such a drastic action but I am afraid you leave us no alternative. You can preserve your credit rating by remitting your check today for the amount stated above.
Please note if your account is not paid within 2 days we will take legal action without further notice.
Sincerely,
Capital Credit Adjusters,
Name:
S.S.N:
City:
State:
Zip:
Dear: veronica jackson
I realize you haven’t reacted to my previous notices concerning your account. I have written to you quite a few times over the past 11 months requesting an explanation on why you have failed to bring your account with us current. Including the interests, the amount due is now $1320.00.
Unfortunately, by ignoring these warnings you are damaging the excellent credit record you had previously maintained with Capital Credit Adjusters In addition, you are incurring additional expenses to yourself and to us.
Please arrange payment of this account today or, if you cannot make full payment at this time, please contact us to make a payment arrangement that is mutually acceptable,
I hate to engage in that process but unless you communicate with us within 2 days, we will have no other choice but to turn your account over for collection. I am sorry that we are about to take such a drastic action but I am afraid you leave us no alternative. You can preserve your credit rating by remitting your check today for the amount stated above.
Please note if your account is not paid within 2 days we will take legal action without further notice.
Sincerely,
Capital Credit Adjusters,
Comments
Presumably this is an email?
Using a free email account, like gmail.com or outlook.com?
Then from this one: July 22, 2017 from Collection Department <killin19891@gmail.com>
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Name: Your name, Your Last Name
S.S.N: THIS IS WHAT WORRIES ME BECAUSE THEY DO HAVE MY SOCIAL SECURITY NUMBER!
Dear: Your name, Your Last Name
I realize you haven’t reacted to my previous notices concerning your account. I have written to you quite a few times over the past 22 months requesting an explanation on why you have failed to bring your current account with us. Including the interests, the amount due is now $1,280. 00.
Unfortunately, by ignoring these warnings you are damaging the excellent credit record, you had previously maintained with INTER STATE CLEARANCE, In addition, you are incurring additional expenses to yourself and to us.
Please arrange payment of this account today or, if you cannot make full payment at this time, please contact us to make a payment arrangement that is mutually acceptable,
I hate to engage in that process but unless you communicate with us within 2 days, we will have no other choice but to turn your account over for collection. I am sorry that we are about to take such a drastic action, but I am afraid you leave us no alternative. You can preserve your credit rating by remitting your check today for the amount stated above.
Please note if your account is not paid within 2 days we will take legal action without further notice.
Sincerely,
INTER STATE CLEARANCE,
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It is obviously a fraud/scam.Be careful.
Name: Breonn Norris
S.S.N:
Dear: Breonn Norris
I realize you haven’t reacted to my previous notices concerning your account. I have written to you quite a few times over the past 22 months requesting an explanation on why you have failed to bring your current account with us. Including the interests, the amount due is now $1,280. 00.
Unfortunately, by ignoring these warnings you are damaging the excellent credit record, you had previously maintained with Capital Credit Adjusters, In addition, you are incurring additional expenses to yourself and to us.
Please arrange payment of this account today or, if you cannot make full payment at this time, please contact us to make a payment arrangement that is mutually acceptable,
I hate to engage in that process but unless you communicate with us within 2 days, we will have no other choice but to turn your account over for collection. I am sorry that we are about to take such a drastic action, but I am afraid you leave us no alternative. You can preserve your credit rating by remitting your check today for the amount stated above.
Please note if your account is not paid within 2 days we will take legal action without further notice.
Sincerely,
Capital Credit Adjusters,
This was sent to me yesterday, I replied that I wanted more info and they sent me this:
This is all about an online loan which was borrowed by you from our lenders ( USA Cash) and within the stipulated time period given by the company, but you have not yet paid back to the company now the company wants their money back so that is the reason why the company has decided to forward your case file inside the courthouse,
LOAN INFORMATION.
Case file #: RP-96620018/AA-88
Company Name: USA Cash,
Principal Amount: $400.00.
Penalty & interest: $880.00
Total Due Balance: $1,280.00
Date: June 12th, 2015.
What is Capital Credit Adjusters LLC?
Capital Credit Adjusters LLC, is a nationwide system used by many payday lenders to check on borrowers’ loan performance. The system is provided by a private third party and lenders subscribe to it to check borrowers’ data. It serves two purposes: to protect lenders from fraudulent borrowers and to assess borrowers’ loan behavior.
There are more than 170 payday lenders working with us and you have taken out a loan from one of our lenders (USA Cash) but you failed to pay in timely manner that’s why they have forwarded your case file to us, so before it gets downloaded inside the courthouse with the legal procedures on your name and on your social security number with hampering your credit ratings just reply me back whether you want to put hold on this case file and settle it outside the courthouse with the settlement amount or else you want to take this matter inside the courthouse with the penalty fees and judge fees and courthouse fees and you may end up in a legal mess.
At this time your case file has been marked as a primary suspect (FDCPA- USC 1692d] § 806 (5), so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [15 USC 1692c] § 805 (b) you need to check it out or you can also ask for any federal attorney, Once your case file will be paid in full after that you will get the paid in full payment receipt and all documentation in your mailing address,
We are prepared to proceed with legal action. However, my clients would prefer to give you one last opportunity to make payment and avoid legal action. Accordingly, please remit payment within next (2) two days if you cannot make full payment at this time, please contact us to make a payment arrangement that is mutually acceptable,
Now I want to know that do you want to resolve this matter outside the courthouse or should I submit your case file inside the courthouse.
Reply me back immediately with your answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse,
Thank You.
Sincerely,
Capital Credit Adjusters LLC
Collection Agency/Legal Counsel
I will be taking both emails with me to the police department and the OAG as well to file a complaint ASAP. I tried to look up the company and could find nothing but other sites like this of even more complaints.
Unfortunately, by ignoring these warnings you are damaging the excellent credit record, you had previously maintained with Capital Credit Adjusters, In addition, you are incurring additional expenses to yourself and to us.
Please arrange payment of this account today or, if you cannot make full payment at this time, please contact us to make a payment arrangement that is mutually acceptable,
I hate to engage in that process but unless you communicate with us within 2 days, we will have no other choice but to turn your account over for collection. I am sorry that we are about to take such a drastic action, but I am afraid you leave us no alternative. You can preserve your credit rating by remitting your check today for the amount stated above.
Please note if your account is not paid within 2 days we will take legal action without further notice.
Sincerely,
Capital Credit Adjusters,
Case File#: RP-968751318/AA-88
This is to notify you that latoya manuel is currently in default under its obligations to INTERSTATE CLEARANCE in the amount of $1,280.00.
Our records indicate that payment on your account is overdue in the amount of $1,280.00.
I have been asked to review your seriously past due account.
This invoice is long past due and your refusal to remit payment is beginning to concern us. Is there some reason that you feel you have no responsibility to pay this debt?
Despite our earnest efforts to resolve your past due account, payment on this account has still not been made.
Please advise us if any discrepancy exists which would explain your lack of response.
Unless payment is received within 7 days, I will have no option but to existing we also used a credit score developed by us in making our credit decision, you may experience difficulties in obtaining a loan in the future Few lenders report to the traditional credit reporting agencies. Instead, they deal with specialized “subprime” agencies such as Tele Track and DP Bureau.
Naturally, we want to help you out in any way we can, since you've been a good person. We think we can extend some help with your credit account with us.
If there is a problem about the enclosed bill, won't you please Email me at the give below, so that we can discuss the situation. Whatever the source of the problem is, we are in the dark until we hear from you.
Here's how we can help you. Normally, if you pay today, you receive a [30%] discount.
We are prepared to proceed with legal action. However, my clients would prefer to give you one last opportunity to make payment and avoid legal action. Accordingly, please remit full payment within seven (7) days of this letter,
I know you would like to maintain a good credit– and so I'll look forward to receiving your payment
Therefore, demand is hereby made upon you for full payment of the entire balance due on said note in the amount of $1,280.00, including interest accrued to date.
If the entire amount due is not received on or before 09/28/2017, I shall instruct legal counsel to commence legal proceedings against you.
Please carefully review the note, which obligates you to pay in addition to the principal balance and interest, costs of collection and attorney's fees.
Your prompt attention to the foregoing is anticipated.
If you have any questions or wish to discuss this matter, please Email the undersigned immediately.
Thank you for your prompt attention to this matter.
Sincerely,
INTERSTATE CLEARANCE,
So this is a scam?????
Name: aura reyes
SSN: xxx-xx-xxxx ( they had my real ss# )
Address: ( and my real address )
City: xxxxxx
State: xx
Zip: xxxxx
This is to notify you that aura reyes is currently in default under its obligations to Capital Credit Adjusters in the amount of $1320.00.
Our records indicate that payment on your account is overdue in the amount of $1320.00.
I have been asked to review your seriously past due account.
This invoice is long past due and your refusal to remit payment is beginning to concern us. Is there some reason that you feel you have no responsibility to pay this debt?
Despite our earnest efforts to resolve your past due account, payment on this account has still not been made.
Please advise us if any discrepancy exists which would explain your lack of response.
Unless payment is received within 3 days, I will have no option but to existing we also used a credit score developed by us in making our credit decision, you may experience difficulties in obtaining a loan in the future Few lenders report to the traditional credit reporting agencies. Instead, they deal with specialized “subprime” agencies such as Tele Track and DP Bureau.
Naturally, we want to help you out in any way we can, since you've been a good person. We think we can extend some help with your credit account with us.
If there is a problem about the enclosed bill, won't you please Email me at the give below, so that we can discuss the situation. Whatever the source of the problem is, we are in the dark until we hear from you.
Here's how we can help you. Normally, when you pay within 2 days, you receive a [20%] discount.
We are prepared to proceed with legal action. However, my clients would prefer to give you one last opportunity to make payment and avoid legal action. Accordingly, please remit full payment within three (3) days of this letter,
I know you would like to maintain a good credit– and so I'll look forward to receiving your payment
Therefore, demand is hereby made upon you for full payment of the entire balance due on said note in the amount of $1320. 00, including interest accrued to date.
If the entire amount due is not received on or before 03/28/2017, I shall instruct legal counsel to commence legal proceedings against you.
Please carefully review the note, which obligates you to pay in addition to the principal balance and interest, costs of collection and attorney's fees.
Your prompt attention to the foregoing is anticipated.
If you have any questions or wish to discuss this matter, please Email the undersigned immediately.
Thank you for your prompt attention to this matter.
Sincerely,
Capital Credit Adjusters,
I don't know who to report this to exactly, specifically who it would matter to report it to. They had all my vitals.