Complaint

0
Richard
Country: United States
I've been receiving msgs and phone calls from BRG saying their locator and that I have to call them or they will use every information they have on me and use it against me. I ask who they are and what is the company trying to collwct the debt I supposedly owed. This person said is my last four of my  social is ..... and I said before I will answer thier question I need more info and she said it's
federal law that they can't disclose it until I agree that the last four of my social they have on file is correct and again I said I will if she give me the name of the company trying to collect the debt which again she insisted that she can't because of the federal law won't allow her to do saw. Is there such law?

Comments

  • 0
    They're twisting the law..
    | 2 replies
    FDCPA is a federal law that specifies what debt collectors can and cannot legally do:
    https://www.ftc.gov/enforcement/rules/rulemak ... ctices-act-text
    They can't disclose debt information to third parties without permission, but you have no obligation to talk to them on the phone, and you can demand they cease calling you, communicate only by mail, or even cut off all communications.
    • 0
      Don't fall for scams.. replies to They're twisting the law..
      | 1 reply
      It is foolish to disclose SSNs, or even part of them, to strangers calling on the phone.  Limiting their contact to US Mail.
      If they really think you owe them, they can send you a letter.  In fact, they're required by law (FDCPA) to send you a letter within 5 days of first contact, so ask them why they haven't sent you a "g" letter. Failing to send a "g" letter is a violation of FDCPA.
      (They'll make up some excuse like they mailed it 45 days ago, or they don't have to, etc.  It'll sound like "my dog ate it")
      You can send a letter back (mailed certified) disputing the alleged "debt" and requesting validation (proof) that you owe it, to be obtained from the original creditor and mailed to you.  If they continue to demand payment without sending proof, that's another violation.  You can sue them for FDCPA violations.
      • 0
        They're showing a pattern of violations. replies to Don't fall for scams..
        Many complaints report they make implied threats to collect some fake "payday loan", but when challenged, they just say they'll send it back to the original creditor.  They appear to want a free pot-shot at you with no consequences.
        File complaints with FTC, your state AG, the Consumer Financial Protection Bureau, and the NY AG.

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