Harassing Collection Calls
Complaint
Sharon Marsh
Country: United States
I am not sure that this is the name of the company because it is very difficult to understand the name of the company. This company has called me 2 times and left 15 minutes of messages on my answering machine. He repeats his name (which I cannot understand) and his phone number over and over again for 15 minutes.........I called them back the first time approximately a month ago and told him do not call again, and today I received the same 15 minute message. He is not calling for me, but and I am not going to put up with the harassment. The phone number that he give to call back is 1-800 -335-0872. I DO NOT WANT ANYMORE COLLECTION CALLS. I HAVE GOOD CREDIT AND I DO NOT CARE WHO HE IS CALLING FOR HE HAS NO RIGHT TO CONTINUE TO CALL AND HARASS ME! Please let me know what else I can do to get him to stop!
Comments
His statement was in violation of federal law (FDCPA), as debt collectors are prohibited from threatening consumers with arrest, just as they are prohibited from threatening to take any action they can't or won't actually take. Using deception to collect a debt is also prohibited.
Want to bet he wasn't a vice president?
How do you know you actually owe another $100?
What do your own payment records show?
Most people do in fact pay their bills.
What is outragous is that you think you can fool everyone you call into believing they owe someone else's debt, or even a fake debt. If you only lied occasionally, you might get away with it indefinitely. Problem is that your victims are trading notes on your activities, and they find all the other people you tried to con in the same way.
Those are violations of law, specifically FDCPA and TCPA, and indicate problems with compliance with those laws.
i was getting ay least 10 calls a day for about a month, then got a letter saying i owe 555.00 on a chase credit card, i never opened a chase credit catd so i go to chase, and rthey tell me one was opened in oct2008 and payments were made til dec 2008 so to call the cops.
i call the number on this mrs notice, some woman picked up and i askked i got this letter and its a fradulent charge and she just said ok, whats your social. not whats the account number, name on the acccouunt. i told her im not giving her that and she said ok i cant help you and hung up on me.
Send them a letter, certified return receipt requested, disputing the debt and demanding that they obtain proof from the original creditor and send it. If you send this letter within 30 days of receiving their first letter, then they must cease all collection activity until they send you proof.
Although it may be possible that some account was opened in your name, actually using your SSN, more often debt collectors just search for anyone with a similar name and send them a letter without first determining if they are even the right person. The whole industry is operating in this increasingly corrupt manner. That is why you should dispute debts promptly to best preserve your FDCPA rights, since the endgame may be to sue them and you want as much ammunition (violations) as you can get.
There is no reason to pay someone else's debt, and paying a debt will leave you with as much credit damage as if you hadn't, only poorer. If they continue to harass you while failing to send you (the non-existent) proof that you owe this alleged debt, get an attorney with experience in FDCPA and FCRA litigation and sue them. Both federal laws allow courts to award both damages and attorney fees if you win, so you may be able to find an attorney to take such cases on contingency.
You might try www.naca.net
Refusing to provide proof a debt is owed, refusing to put an offer in writing, or refusing to notify you of your right to dispute, as required by FDCPA, are indications that they may be engaged in deception or fraud.