Scam Collection Calls
Complaint
MCH
Country: United States
I again received a call from this number/company in my cell phone. They call 1-2x every week. so irritating.
I had long straightened out my credit card debts in 2002. Suddenly, since 2008, I started getting calls from this company. I do not know how they got my cell ph number. I read almost all the complaints ahainst this company and now am convinced they they are scammers.
Should we all band together and file a class action suit? Or, report this company to the authorities in ur respective cities/states?
I had long straightened out my credit card debts in 2002. Suddenly, since 2008, I started getting calls from this company. I do not know how they got my cell ph number. I read almost all the complaints ahainst this company and now am convinced they they are scammers.
Should we all band together and file a class action suit? Or, report this company to the authorities in ur respective cities/states?
Comments
If you continue to have problems with harassing calls, get an attorney.
You can find a consumer attorney in your state through www.naca.net
You are an idiot. Contrary to your assertions, debts do expire. Please tell us who or where you read that debts don't expire. Did it happen to be your employer, PRA? Your company buys these "seasoned" debts for less than $0.04 on the dollar. Then your company hires law firms looking for work and state that your company purchased this account for a valuable consideration. In addition, who told you that you can call up to 3 times a day? Did that come from Mickey Mouse and Donald Duck who works in your company's Legal Department?
Instead of bragging about PRA's BBB rating, why don't you share with us the number of complaints your company has received from the various AG offices and your company's responses to those complaints.
And as far as your assertion that PRA is the #1 debt collection in the world, who told you that? I'll bet that came from Sleazy who works in your company's T&D Department.
So I would suggest before you get out here and post such drivel as you have, please have your facts straight. All you are doing is making not only yourself but also your company look like morons.
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm
(note, that's a federal trade commission site)
Here's an Excerpt from the GOVERNMENT SITE
"If you have old debts, collectors may not be able to sue you to collect on them. That's because debt collectors have a limited number of years — known as the statute of limitations — to sue you to collect. After that, your unpaid debts are considered "time-barred." According to the law, a debt collector cannot sue you for not paying a debt that's time-barred."
As many here have reported, they called me a liar. I just started ignoring their calls. Now, my credit score was/is a 790, which is not too shabby. I keep an eye on it. Good thing too, because all of a sudden, it started dropping because they were putting these bad debts on my report.
If I had known, I would have been much more freaked out by it. At the time, I thought it was no big deal, it's not my debt, I can prove it's not my debt, just a phone call should clear it up. Think again. I had to jump through hoops for over a year to get it removed and it cost me some money to get it done. I would just right in on a class action lawsuit.
The credit folks are just about as bad. How can anyone put stuff on your report that is not yours? That should not be legal. I know they had zero proof that it was mine, they couldn't have, because it was not mine. Any business owner here can make something up about you and put it on your credit report. Since this is true, it should either be stopped or we have to stop treating the all important credit score with so much respect.
That is why when you research your adversary, and you find they routinely act in bad faith, you should use the first opportunity where you have a good cause of action for a violation of FDCPA to hand the case off to an attorney. Not only do you want damages, but you want them to pay the legal costs for cleaning up the damage from their negligent and malicious collection. Don't wait around hoping they will do the right thing when they set out from the start to take advantage of your tolerance for "occasional errors".
PRA, and much of the debt collection industry, has learned that it is profitable to game the debt collection laws, using borderline abuse and harassment, "accidentally" and deceptively tagging the wrong person with unowed debts, all the while proclaiming piously how important they are to the economy. If the economy rises and falls on debts bought for pennies on the dollar, we are all in sorry shape.
You spent a year with trashed credit over a debt they spent virtually nothing to buy, and nothing to accurately skip-trace. To them, it's just a game to generate profit, and if "mistakes" don't cost them anything, and may even pay off, then "mistakes" are part of the game.
What did it cost you?
Did you receive any reductions in credit from other lenders?
Get turned down for a mortgage refi?
https://www.ovlg.com/letters/cease-and-desist-letter.html
They are basically sociopaths, with no consideration for the effect they have on others, and the only thing they understand is consequences.
Since it is a game, your counterplay is to sue them, to make it costly.
Unless and until you are willing to do that, they will keep playing this game, which costs them nothing at all, but often extorts unowed payments when people get stuck with fake "collection accounts", for example, when they are trying to refi a mortgage.
The only way to stop this bullying is to sue them and make it cost. Adding your attorney fees, as allowed for by FDCPA and FCRA, improves your odds of a quick settlement, as it further increases the consequences and the likelyhood it will cost them.
The collection industry is corrupt.
To find a consumer attorney in your state, you might try www.naca.net
Me: Hello? Hello? Hello? Them: This is so and so calling for such and such bottom feeder debt collection. This call may be monitored. Me: Cool with me let me turn on my recorder as well. Them: Uh, ok well you have a debt for said company that is due. We can take a payment now. Me: Never heard of this debt. Please tell me the date delinquincey began. Them: Uh... Hmmmm... June 2001. Me: And todays date would make that almost 11 years old correct? Them: Uh, sir you do have an obligation to pay this bill. Me: Back up sparky. Say it out loud for me. Who has said for certain that debt was mine? and Since that debt is 11 years old what does that mean?. Them: It has surpassed the SOL but you still are legally obligated to pay your debts. Me: LOL 1. I have never heard of this debt nor have I been given any proof it is my debt. 2. Never ever give me any legal advice unless I hire you as a lawyer. LEGALLY that debt has expired beyond a time to collect in court therefore LEGALLY the debtor doesn't have to do [***]. 3. That debt you called about is time barred. 4. Since you're too stupid to connect the dots I guess I'll have to do this. Look for a cease and desist letter from me within a week. Don't call me again about this debt. Oh one more thing. My credit report is being watched around the clock. Any new bogus debt suddenly added will be caught quickly and investigated. I'll blame you and take the time to track it back to you or your company. Have a nice evening.