They have repeatedly withdrawn money out of our account. it has now come down to filing with the district attorney, and closing our account. They cannot collect a debt without proving you PROOF that the debt was yours. my husband stupidly gave all our information because he thought it was our debt...guess what....NOT! These people are unbeleivable...Be careful kids...9 times out of 10 a debt collector does not have the proper documentation to properly collect on a debt. they have to have the proof that you owe. they have to provide it to you when you ask.

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The reason I am emailing you is becasue in 2006 I optain a Visa card and several months of use I lost my job. So I called the Visa company and explained to them when I receive another job by the time I received another job the Visa company turned my case over to Allstate Financial Services and Mr. Green consently called me. So I returned his call and he was very rude to me on the phone the Visa card remain you the card was only $500.00.

So anyway he told me that I owed over $1200.00 so not trying to mess up my credit worse than it was I agreed to have them take out of my account $50.00 a month plus I paid them a down payment of $267.00. This transaction went on for 2 years of them taking out of my account. On Sept of 2009 after I had calculated I was twenty-eight dollars left to pay on my debt and when I called them I told the women on the other end of the phone that they can stop debting my account I will sent them the $28.00 in a check. She stated to me that I still had to pay $354.50 worth of interest but she side we can close this out for $254.00.

I scrapted and I borrowed to come up with this money to pay them off and never hear from them again. I gave them the money on September 25, 2009 and I have the paid in full letter from them. And on October 30, 2009 they went into my account and stole $153.50 cause this in my account to go into the red things in my account bounced and I had to pay overdraft fees because of them.

I called them several times demanding my money be returned I have been lyed to because as of November 14, 2009 I have not received a dime. I called them on Novemer 13, 2009 only to be hung up on twice trying to speak to an Alexandra Morgan or a Karen Redmond. I was told to hang on and then for about five minutes the phone was hung up and when I called back "she just went into a meeting." Then I ask to speak to someone concerning the return of my funds and guess who they gave me to that Mr. Rude Green. acting like I owed him money instead of the other way around.

He said "I see that we owe you a refund but I don't know where it is I have to research it and its going to take a couple of days. I went to my bank and closed my account and also went to the police and filed a "theft my institution" against them. So is their anything else that I can do. I want them to stop cheating people and if I can be of any help please email me to let me know. *****************

thank you
Deborah


Email address removed from this public forum page, for your protection. - Uncle Wulf

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Hi Deborah -

Please be advised that what you've written above is not a private email, but a post on an Internet forum. As such, anyone can read here. Please don't post personal data (like email addresses) here, for your own protection.


To make certain I understand you... You got a Visa card in 2006. You used it for several months, and then quit paying on it due to job loss. Sometime later, Visa assigned/sold the account to Allstate. At the point you stopped paying, the balance on the card was about $500.00. Correct?


And you entered into a payment plan to give them the (probably enormously inflated) amount they were demanding. Likely because they scared you into it, yes?

You paid that plan off in full on 10/25, and then they got back into your account, taking more money after you had proof of payment in full. Causing you substantial overdraft fees and other problems.


OK, gotcha. Have you files a fraud report with your bank? It may well be too late at this point, seeing as how you've closed the account, but I'd do it anyway. Go to your bank in person. Take your documentation with you. Speak to the branch manager, not a teller. Tell him that you were the victim of a fraudulent withdrawal, and that you want your $153.50 back, plus reimbursement of all fees related to this incident. Do not take no for an answer. And do not leave the bank without something in writing, showing that you've filed that report.

Then, go to the National Association of Consumer Advocates website, and search out an attorney close to you. One of them should jump all over a slam-dunk case like this. And it won't cost you, because they can recover their fees from Allstate.

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__________________
Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]