harassing phone call
Complaint
david casillas
Country: United States
harassing me telling me to put a person who does not live here on the phone i had told him that i did not no this person.he kept asking if this was my spouse.i kept telling him that i did not know this person.he would not leave me alone.
Comments
File a complaint with the Minnesota Attorney General.
In addition, send them a letter, certified return receipt requested, notifying them that the party they are trying to reach (give name) is not reachable at your number (give your number), that you do not khow that person, and that you are demanding that they cease communications with you as provided for in FDCPA.
On verifying their receipt of your letter through return of the green card, log any future contacts or harassment, tell them in any call that you have told them to cease communications, and note date, time, and details of the call including details of additional abuse. If they continue to harass you, file complaints with FTC, your state AG, MN AG, and find an attorney with experience in consumer law and FDCPA litigation.
As for Collect America, you may want to take a more agressive approach with them. Complaints on Bud Hibbs' site indicate a fairly high rate of suing erroneously, including either lawsuits or arbitration proceedings with no notice to the consumer resulting in default wins. An inquiry on your credit reports may be an indication that they, or one of their local attorneys, is about to pull something.
http://www.budhibbs.com/debtcollectorpages/collect_america_cacv.htm
No creditor or debt collector can legally pull your credit report (resulting in an inquiry) without permissible purpose, as defined in the FCRA. If you do not owe them some alleged debt they are collecting on, or if they pulled your report instead of the debtor's report, then their inquiry is a violation of FCRA. More important, it may preceed other action, including putting negative information on your credit reports, or filing a lawsuit. Look for erroneous addresses showing up, which could indicate they are putting someone else's bad debt on your reports.