About 3 months back I paid off completely a credit card and closed the account. The CC company sent me the final bill and I paid in full. A couple days ago my boss got a call from someone claiming to be with the state and told him I was in alot of trouble. I wasn't at work that day but my boss being concerned that I was in trouble called me at home and told me about it. He gave me the phone # that she gave him for me to call. I called and she told me she was with the federal government and that I owed the CC company $299.00 for late fees throughout my time with them. I told her that was BS and to send me an invoice. She then called back several hours later and talked to my husband. My husband called her on her lies because she told my boss she was with the state and me that she was with the feds. She then told him that he better call me at work and tell me to leave to avoid the embarrassment of being arrested in front of co workers. Where can i report them//her?
2007-11-01 05:32:13 · 11 answers · asked by babycakes1280 1 in Politics & Government ➔ Law & Ethics
I did call the CC company and they stated that it was "out of their hands", I told them that this company representing them was harrassing me, and they didn't seem to care.
2007-11-01 05:41:51 · update #1
Oh, it is completely true! She even threatened my husband to have him arrested as an accessory. Of course when we called her on her lies she got more vicious.
2007-11-01 05:54:16 · update #2
yes you can
2007-11-01 05:35:37 · answer #1 · answered by coach 4 · 1⤊ 1⤋
If you want to you can sue them under FDCPA for several violations. However, I would first get their address, company name and the name of the person attempting to collect the debt. Then I would send them the following letter (with a copy to your CC Company).
Dear sir/madam;
Under provisions of the Consumer Credit Protection Act (15 U.S.C. 1601 et seq.) I am requestion the following information:
That you validate the debt from [credit card company and account number] that your agent has been attempting to collect by return mail no later than 30 days from receipt of this letter.
During the above 30 days, I expect that you will comply with the FDCPA by ceasing all collection activities and if an entry has been made to any credit reporting agency, to contact such agency to inform them that the debt is being contested.
I further demand that you provide proof that you have the authority to collect such debt and if such authority exists, where it originated.
I can assure you that I take this matter seriously and any further attempt to contact me, my realitives, co-workers or any other persons in an attempt to collect this disputed debt within the above 30 days will result in my filing a federal lawsuit pursuant to provisions of the above act, specifically 15 USC 1692k.
With all due regard,
[YOUR NAME]
2007-11-01 06:03:02 · answer #2 · answered by hexeliebe 6 · 0⤊ 0⤋
Not only can you report them you can sue them and shut them down... Contact a lawyer before you make any moves and let the wheel begin! Don't just report them to an agency that will just bury this at the bottom of their paperwork log jam... What happened to you if completely true is total BS and needs to be stopped in it's tracks.. Just think how many other people who she called claiming this actually fell for it.. Some may have even lost their jobs or atleast their reputations...
2007-11-01 05:49:12 · answer #3 · answered by Ditka 7 · 0⤊ 0⤋
If you have receipt of payment, cancelled check, their business receipt, do not send the original, make a copy of payment and 0 bal. and a letter, also save a copy of the letter. the letter is to state that she is to cease the calls send 2 more, after the third polite warning, go to you local district attorney have all you copies of payment and the letter stating that you payed and she needs to leave you alone, even if criminal charges don't hold up. You should take her to small claims court for harassment and defamation of character. She told your boss who is a third party this is defamation by definition of civil law, ask your boss to testify and again have all your receipts and copies of letters. You may get as much as 5,000 It's called Defamation of character.
2007-11-01 05:55:19 · answer #4 · answered by wammyt 1 · 0⤊ 0⤋
Yes you can and I would advise doing it so these jerks get a clue. Call an Attorney you can usually get free legal advice. You may be able to sue them for damages.
2007-11-01 05:41:12 · answer #5 · answered by Wildroze 4 · 0⤊ 0⤋
Take the name of the collections agency and call the consumer department. In New York City, it is the link below. Your state should have a department. They are not supposed to approach the debtors that way. (threats and lies..) it is harrassment.
http://www.nyc.gov/html/dca/html/contact/contact_form.shtml
2007-11-01 05:39:54 · answer #6 · answered by Daisy 3 · 1⤊ 1⤋
Call the CC company and voice your concerns. If it is actually a collection agency, they are employed by and responsible for this companies actions if the account is fulfilled.
2007-11-01 05:38:44 · answer #7 · answered by sensible_man 7 · 0⤊ 2⤋
Read about your rights here: http://www.fair-debt-collection.com/
You will see just about everything the collector did violated the law. It is highly likely the collector is not a collector at all, they are running a scam.
2007-11-01 05:41:48 · answer #8 · answered by davidmi711 7 · 1⤊ 0⤋
If you are in the US, call your state's Attorney General.
2007-11-01 05:36:43 · answer #9 · answered by regerugged 7 · 1⤊ 2⤋
if you live in California - Yes.
if they didn't stop harassing you then you could sue and win
2007-11-01 05:47:34 · answer #10 · answered by Anonymous · 0⤊ 0⤋