DID NOT WANT TO ACCEPT MAIL IN PAYMENTS

ComplaintsCollection AgenciesLTD FINANCIAL SERVICES, L.P

Complaint

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CARLA C CORTEZ
Country: United States
MY HUSBAND ASKED ME TO CALL A COLLECTION AGENCY BECAUSE HE WANTED TO SETTLE A DEBT. I CALLED TO LTD FINANCIAL SERVICES, AND I SPOKE TO 5 DIFFERENT PEOPLE. THE LAST PERSON WAS VERY RUDE. I WANTED TO SEND THEM MONEY ORDERS ON A PAYMENT PLAN TO SETTLE AN ACCOUNT AND THEY SAID NO.. THAT WE NEEDED A CHECKING ACCOUNT AND THERE WAS NO OTHER OPTION. WELL WE DONT HAVE A CHECKING ACCOUNT AND I TOLD THAT PERSON. I ALSO ASKED HIM IF I CAN WESTERN UNION THE PAYMENTS AND HE SAID NO, WE KNOW YOUR HUSBAND HAS AN ACTIVE SAVINGS ACCOUNT AND WE NEED THAT INFORMATION. WE ARE TRYING TO SETTLE AND THEY DIDNT HELP. AND I WAS VERY UPSET AND TOLD HIM NEVERMIND AND I HUNG UP.

Comments

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  • 0
    Bob
    | 1 reply
    They called me a little while ago using my area code and a local prefix. I called them back and hung up when I found out who it was. If that is fraud, then they should need to be prosecuted .
    • 0
      heidi s replies to Bob
      They come after you even if u pay your debit before because they rip u off this is what they do they took 4,000.00from me call them  they were so nasity because the know they r wrong  i have proof and will go after them i pay this debit years ago. But iam taking it to the news .u canot chg me twice for what i pay before.
  • 0
    WHO KNOWS WHERE
    | 1 reply
    LTD financial called me and are telling me they are collecting a debt that was from 12 years ago.  I tried to speak with them and let them know I was having difficult times back then and if the debt is that old they can not collect it.  They placed a mark on my credit report.  I called Experian and the others and had it removed due to fraud.  I was told by my attorney that they cannot collect on a debt over 7 years back then and those rules follow that debt.  The collector told me since the debt was sold to their agency they can consider it new debt.  I told them I wo uld not pay it, spoke to my attorney and reported them to BBB.  They keep calling and today used a local area code and my cities caller ID.  WTF?  These people have to be stopped.  I was going to pay it last year but when I checked on the debt with the original creditor and was told it was written off years ago and should not pay them I decided not to.  I get about 3 phone calls from them each day.
    • 0
      Hmm replies to WHO KNOWS WHERE
      LTD is not a credit reporting agency.
  • 0
    If They Knew I would Sue
    When LTD Financial Services - or any other debt collection agency - contacts your family members, friends, or coworkers and shares information about a debt that you owe, it is a violation of the Fair Debt Collection Practices Act. No one has the right to know about your personal financial situation, and that includes your family and friends, and sometimes, your spouse. If your family has been given information via letter or telephone about your specific debt, you should contact a fair debt attorney. You should also send a cease and desist letter to LTD Financial Services. This letter should outline when contact was made and what information was shared. It should also outline your wish for them to stop contacting you, your family, and your friends. While it is legal for LTD Financial Services to contact people you know in an attempt to find you, it is not legal for them to disclose any information about your debt.

    Debt collection agencies like LTD Financial Services often get away with violating the FDCPA because consumers are afraid to take action. Do not be afraid to fight back, especially when the company is breaking the law. Your personal information is just that - personal - and if you've been the victim of illegal debt collection tactics, you deserve compensation.
  • 0
    michael
    LTD Financial Services, L.P. strives to provide consumers with excellent customer service and they appreciate the consumer’s feedback.  If you have a concern about the way they are collecting this debt, please write to their Customer Care Department, 7322 Southwest Freeway, Suite 1600 Houston, TX 77074, email them at customercare@ltdfin.com, or call them toll-free at 1-866-310-9845 between 9:00 A.M. Central Time and 5:00 P.M. Central Time Monday - Friday.   THEY WILL SOLVE YOUR COMPLAINT / PROBLEM...
  • 0
    Who do I owe...
    | 1 reply
    I received a phone call from LTD Financial services last week...I have never received anything in writing stating a bill had been turned over to them for collections...I don't own a car or house or land...nor do I have a checking or savings account...I am on a fixed income...I only have my social security disability as income...
    • 0
      heidi replies to Who do I owe...
      Did the same to me but what goes around comes around
  • 0
    Norma
    | 1 reply
    I have been trying to Pay for the last 3 days and was given an Ext. 2932 for a Lean, she never
    picks up the phone and doen't return messages, it always goes to voicemail...Apparently they are
    not interested in collecting a debt...Until today we have not received a letter from LTD.  They should
    have a website for people to creat an account and be able to pay online, as well as accessing theyre
    account on despute.
    • 0
      san Antonio rep replies to Norma
      ltdfin.com all letters are sent to last known address plain business envelope with the Houston address most people will move and not forward their mail or they throw the letters away assuming junk mail. If you call the toll free number and don't put in an extention you will get a live person who can transfer you to a person in that department
  • 0
    Tammy
    I was told and see on my credit report that over 9,000 has been charged off which damaged my credit. I was told not to pay since BofA choose to do that.. Now! I get collection calls and letters trying to collect this amount. NOT gonna happen.
  • 0
    Katie Jackson
    Blah blah blah blahblblaaah! Send me a bill! Do not call me! The check is in the mail! Point made
  • 0
    Cc
    Why won't they take a payment with a debit card??? I'm not giving out my bank acct # I don't Trust. Nobody like that!!!!
  • 0
    Bob 2
    I did a settlement of three $98.80 payments. I just made the final payment but I'm being told that my balance is $240.50. I don't plan to pay them another penny on this account or any others that they are attempting to collect on. Is is creating even a greater financial hardship for me which caused me problems initially. I'm about to go crazy !!!
  • 0
    Texas
    I am filing a compliant with LTD financial, they call your home before 8a.m and harass you.  This is against the law, that mandates when they can call your home.  A debt collector may not call you before 8am or after 9pm (in your time zone) unless you ask them to call you at a different time. Whatever debt you may owe, you still have the right to a quiet morning and a quiet evening.
  • 0
    Ngoshi
    I want to know  weather elanfinancial services ltd loan company is it a real and if really linked with Citibank?
  • 0
    Lynn
    | 1 reply
    LTD calls a number but does not ask for a person when they leave a message, 2nd bogus debt collection call in 2 days.  Sorry but state who you are calling.
  • 0
    Denise
    Sorry, Brenda.... oftentimes one CAN settle a debt for less than the full amount owed. So before climbing up on your soapbox perhaps you should be absolutely certain that you know what you are talking about.
  • 0
    chuck little
    these agencies employ for the most part people who use drugs-dont have a high school education and cant find a job in other business-and cant pass drug test nor police clearance in other jobs-they are worthless scumbag people prying on bad luck good pei=ople who have debt
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