HARRIASSMENT AT MY WORK PLACE
Complaint
MARIA DOSS
Country: United States
This collections company keeps calling my job. I've told them time and time again to stop. I've suggested them to take me to court and to quit calling my job. I work in a call center the phone lines are for customers and family emergencies. I cannot have personal phone calls. They call very rude and unprofessional. I can't get any information their telephone number is 855-868-2577. Please make them stop calling my job before I get fired.
Comments
I called Morgan and Morgan for the people who referred me to Leavengood Nash and Dauval Tele # 727-327-3328. Push option 5 for consume law and ask for Katherine or Nicholle. Do NOT let these people harrass you at work. I am now suing them for calling my work over and over after I sent them a certified letter telling them to stop and they signed it. Keep a phone log of every call. Take screen shots of all calls and save them in a folder. Make a folder and everytime they call your phone let it go to voicemail and then make a file folder called audio clips and have someone record the messages they leave on your phone and forward to the Attorney. I am not paying any money for this Attorney to represent me. Please take my advice and call them you will not be sorry! Turn it around on these debt collector and these stupid [***] Ms Wainwright and Ms Bradford and Michelle as if that is there real names
Third find out if your state even allows voluntary wage assignment, is also is one area where the federal government has become involved. Federal Trade Commission regulations prohibit loan companies and retail installment sellers from securing payment with a wage assignment unless:
* the assignment can be revoked at any time by the EMPLOYEE;
* the assignment is a payroll DEDUCTION plan starting at the time of the transaction; and
* the assignment applies only to wages already earned when the assignment is made.
Several states have passed laws incorporating similar restrictions on assignments arising out of consumer credit transactions or prohibiting such assignments altogether.
Those states that allow assignment of future wages often restrict the amount of an EMPLOYEE'S wages that can be assigned in the form of a maximum percentage or a dollar amount. They also may put a limit on how long into the future an assignment can be enforced.
As with GARNISHMENTS, wage assignments cannot be enforced against a public sector employer unless a law allows public EMPLOYEES to assign their wages. Some states have enacted laws that treat government EMPLOYEES the same as private sector EMPLOYEES where wage assignments are concerned, while others place more restrictions on the public sector.
From the reports it seems that TRS is violating FDCPA laws:
15 USC 1692d § 806. Harassment or abuse
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller’s identity.
§ 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section
(2) The false representation of—
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.
Steps you should take against these clowns:
1. Send a cease and desist letter
2. Request verification of debt in writing
3. Get an attorney who specializes in FDCPA laws, each infringement could cost the company up to $5000.00
Above all else DO NOT CONFIRM ANYTHING, GIVE THEM MONEY OR RELEASE ANY BANK INFORMATION!!
Third find out if your state even allows voluntary wage assignment, is also is one area where the federal government has become involved. Federal Trade Commission regulations prohibit loan companies and retail installment sellers from securing payment with a wage assignment unless:
* the assignment can be revoked at any time by the EMPLOYEE;
* the assignment is a payroll DEDUCTION plan starting at the time of the transaction; and
* the assignment applies only to wages already earned when the assignment is made.
Several states have passed laws incorporating similar restrictions on assignments arising out of consumer credit transactions or prohibiting such assignments altogether.
Those states that allow assignment of future wages often restrict the amount of an EMPLOYEE'S wages that can be assigned in the form of a maximum percentage or a dollar amount. They also may put a limit on how long into the future an assignment can be enforced.
As with GARNISHMENTS, wage assignments cannot be enforced against a public sector employer unless a law allows public EMPLOYEES to assign their wages. Some states have enacted laws that treat government EMPLOYEES the same as private sector EMPLOYEES where wage assignments are concerned, while others place more restrictions on the public sector.
From the reports it seems that TRS is violating FDCPA laws:
15 USC 1692d § 806. Harassment or abuse
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller’s identity.
§ 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section
(2) The false representation of—
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.
Steps you should take against these clowns:
1. Send a cease and desist letter
2. Request verification of debt in writing
3. Get an attorney who specializes in FDCPA laws, each infringement could cost the company up to $5000.00
Above all else DO NOT CONFIRM ANYTHING, GIVE THEM MONEY OR RELEASE ANY BANK INFORMATION!!
When I called back asking to speak to a supervisor they kept hanging up on me. Who do I call to stop this harrassment, they call up to 2-3 times a day?
Once they get your name and account information through some lead generator who sells it to any payor, that alone is enough to cram an unauthorized deposit into your account, quickly take it back out as "interest" before you know what hit you, and keep charging and charging, calling it an "interest only loan". It's been done a lot by "lenders" hiding safely overseas, and the only way to stop your account being drained, including your overdraft protection, is to have your bank shut down the account.
After that, you will find yourself targetted for phone harassment by the sleaziest of "debt collectors" to collect on what they claim is a multi-thousand dollar "payday loan", when in fact the "lender" has already scammed you for hundreds of dollars on a loan you never even agreed to.
It's called "loan cramming", and as a fraud, it works if you fall for it.
Anything that works, even through fraud, someone will try it.
If the consumer settled in full, the buyer has no legal right to collect.
If they sold an already paid and settled account, the buyer got defrauded.
Why would you expect that someone who would defraud consumers wouldn't defraud you, or even their own employees?
Another lady called this morning disguising the number with my local area code so I'd answer and gave me all the fast talk. I told her to send the debt right back as I don't owe it. She said "good luck". After I got off my cell phone with her my work phone rang and she wanted HR to verify employment. I flat out told her I didn't have to give her the number. She asked for my manager, I said no. She tried to tell me I had to give her the information and I said "No, I don't." She kept talking and I hung up on her. I've sent a cease and desist with a copy of my PIF letter, but I'm reporting them to the FTC. I've had enough.