Premier Credit Services
Complaint
Russ
Country: United States
Premier Credit Services
PO Box 19309 Indianapolis, IN 46219
866-808-7118
My compliant is based on their phishing via telephone cold calling techniques at night and on weekends with no legitimate reason.. IE, they
make calls to numbers without knowing who they are calling and ask for
name and SSN over the telephone with no disclosure of why they are calling.
One can only assume it is a "Phishing" exercise to obtain names and
SSN's for apparent reason other than they have some sort of scam going.
Additionally, I am on the do not call national registry so they are
quick to point out that they are not marketing or selling... and they do
not attest to any company/customer legitimacy to their actions... so one
can discern that they are on some sort of phishing exercise... asking
for name and SSN's.
They fall into the "harassment call" category as they call late at night
and on weekends.. and do not take no for an answer.
I cannot grant any legitimacy to their disguise as being some sort of
collection agency since I have no such debts in arrears and they do not
even know who they are calling... just a phone number as if it was a
boiler room operation.
PO Box 19309 Indianapolis, IN 46219
866-808-7118
My compliant is based on their phishing via telephone cold calling techniques at night and on weekends with no legitimate reason.. IE, they
make calls to numbers without knowing who they are calling and ask for
name and SSN over the telephone with no disclosure of why they are calling.
One can only assume it is a "Phishing" exercise to obtain names and
SSN's for apparent reason other than they have some sort of scam going.
Additionally, I am on the do not call national registry so they are
quick to point out that they are not marketing or selling... and they do
not attest to any company/customer legitimacy to their actions... so one
can discern that they are on some sort of phishing exercise... asking
for name and SSN's.
They fall into the "harassment call" category as they call late at night
and on weekends.. and do not take no for an answer.
I cannot grant any legitimacy to their disguise as being some sort of
collection agency since I have no such debts in arrears and they do not
even know who they are calling... just a phone number as if it was a
boiler room operation.
Comments
Debt collectors are not supposed to disclose to others that someone owes a debt. That generally means they shouldn't disclose that they are calling as debt collectors, but they are required to disclose to the debtor that they are calling to collect a debt. They are also supposed to honestly disclose their company name when asked, or they would be using deception to collect a debt, a violation of FDCPA.
They didn't actually route the call through the local attorney's number. What they did was to spoof the caller id information. Using deception to collect a debt is illegal under FDCPA and state laws.
They have demonstrated in multiple ways that they are willing to violate the law, and since they have shown that they will act in ways that defeat your normal dispute rights that should result in resolving the error in identification, you would be wise to act proactively rather than wait to see what else they might try to pull.
You would be wise to keep a close eye on your credit reports. Contrary to common assumptions, they can put erroneous information on your credit reports without having your correct SSN, or even providing any SSN. You would then have to dispute it through the credit reporting agencies to try to get it off. Meanwhile, your creditors raise your rates, cut your credit lines or close your accounts damaging your finances and they aren't even legally liable for damages until they erroneously "verify" their error in response to your dispute. The correction system is corrupt, and lets them snipe at you with impunity.
As you saw, they tried to garnish your wages in error, but that was stopped by the difference in your SSN. Fortunately, your employer caught that, but the multiple contacts and deceptive attempts indicate that they may keep trying to take your money even if you are the wrong person.
You are not dealing with smart or competent people here, they have access to skip-trace databases that give them identifying information (which is how they found you instead of the actual debtor), and when you mix incompetence, deception, and abuse with identity information, they might do anything.
Since they are collecting on an alleged student loan, they can do it without even a court decision, leaving you with taking legal action to get back your money that they should never have been able to get ahold of.
As a defense, you should first file complaints with FTC and your state Attorney General documenting their deceptive collection, disclosure of the (mistaken) debt to your mother, spoofing of their caller id using the local attorney's number, attempt to garnish your wages for a debt you do not owe, etc. (Spoofing using the attorney's number is not only deceptive, it is falsely claiming to be an attorney, violating both FDCPA, and state UPL laws).
At this point it does not appear that they will just stop harassing and trying to seize YOUR money, despite THEIR mistake. They haven't even sent you the letter required by FDCPA, that would notify you of your right to dispute and request validation. This indicates they are trying to bypass the protections provided by the law.
They tried to garnish your wages, they might try again. They might try to seize your bank accounts, and even if you block them, your bank will charge YOU for their trouble in dealing with it, and they might not catch the difference in SSN that your employer caught. Or you might find yourself locked out of access to your own money, trying to find an attorney to help you to deal with the mess while you have no access to your own money.
You would be wise to contact an attorney with experience in FDCPA law, NOW. They have already violated numerous laws, and you can sue them under FDCPA for those violations. FDCPA allows for awarding of actual and statutory damages, as well as your attorney's fees, so there are attorneys who take these cases on contingency. Your safest path to protect yourself from additional damage from their incompetence is to act now.
You might try www.naca.net
Or you might contact an attorney with experience in this area of law in any state, who should be able to refer you to an attorney licensed in your state.
Here is one such attorney.
http://www.lawpoint.com/
They are very dumb & very illiterate.
PAY UP, or my slaves will be calling your white [***] forever!!!!
Their real business is selling private information collected from the Department of Education and IRS using information gathered as a collection agency or by fraud.
The company is incorporated in Arkasas to an address with an empty residential lot in Indiana.
This is the information from the secretary of state.
Corporation Name PREMIERE CREDIT OF NORTH AMERICA, LLC
Fictitious Names N/A Filing # 100195247
Filing Type Foreign Limited Liability Company Filed under Act Foreign LLC; 1003 of 1993 Status Good Standing Principal Address
Reg. Agent CORPORATION SERVICE COMPANY
Agent Address 300 SPRING BUILDING SUITE 900
300 S SPRING ST
LITTLE ROCK, AR 72201 Date Filed 02/09/2001 Officers
TODD WOLFE , Manager
DAVID HOEFT , Manager
TINA MERCER , Manager
Foreign Name N/A Foreign Address 6401 IONA RD.
INDIANAPOLIS, IN 46203
State of Origin IN
Indianapolis, IN 46219
P. 1 317-869-2621
F. 1 317-972-6502
http://www.premierecredit.com
CEO's name is David Hoeft
I didn't get the impression from reading this, that all of the comments are coming from those who actually owe money. In fact, it seemed that some of the calls being made by Premier were made in error. I am researching Premier as I am about to talk to someone in connection with a position with this company.
These are sad times, many unemployed through no fault of their own. Not everyone who owes money and can't pay for a time or two in their lives are dead beats. Perhaps that is something to think about. You could be working one day, paying your bills and life is good and without warning loose your job. Try a little caring, compassion and say a prayer for those who are less fortunate. It's only money....
You must have all flunked math, totally missing out on any concept of statistics, such as that as the complaint sample size increases, the complaint statistics increasingly reflect the population statistics.
In other words, the more you generate complaints, the clearer it becomes to the whole world what you are actually doing. When your activities result in large numbers of complaints, the numbers overcome your lame excuses, and show you for what you are.
There are many reasons people don't pay their student loans...
Their advisors...advised them wrong!!!
They were injured or disabled
Bad economy
Illness
So go screw yourself...collector. Yes you can be worse than the debtors, don't kid yourself...your letter proved it!!!
Now what is obsurd is this garishment say's "any hardship or not working or dispute this garnishment, to respond to them Premeire only VIA mail. No phone calls. How ironic is that...
So they will follow the law if its done right.
Get rid of these A$$holes. Send the fax use faxzero,and ms word.