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Posted: Wed Apr 26, 2006 2:00 pm Subject: GC Services...I HATE THEM!

Is GC Services a COLLECTION AGENCY or are they not bound by the fdcpa?

I owed Sallie Mae $5.29. It's paid. They are sending a letter to GC telling them to stop the $99 collection fee...Because $99 is pretty excessive for a $5 debt.

So today at work, my phone rings. It's Mark who is a "floater" employee who is working at one of our locations. (The floaters work 2-3 stores, basically to fill in when the Mgr. or Asst. Mgr is off) He says some guy named Eddie called wanting our corporate office number for payroll to GARNISH MY WAGES. (Isn't this against some kind of privacy policy??) Mark told him he wouldn't give him the corporate office number.I hung up with Mark, LIVID...Then my phone rings again...It's Eddie.

He's trying to collect the $99. I said "You're wasting your time...USA Funds has already received payment, I'm just waiting for a letter."

He said, "I don't know where you get your information but--" and I interupted him and said, "I DON'T KNOW WHERE YOU GET YOUR NERVECALLING MY SUBORDINATES TELLING THEM MY PERSONAL BUSINESS! And FOR YOUR INFORMATION I GOT IT FROM SALLIE MAE!" He said, "What's your corporate office number?" I said, "I don't KNOW the number, and I'm not looking it up for you." And he said, "Why don't you know the number?" and I said, "Because I just use SPEED DIAL when I need to call there." He said, "Where is the corporate office?" I said, "You can look it up on the internet." And I hung up. I was ready to close up my store and drive to his office in Columbus and squeeze his face. (Ok..So I'm PMS this week...Don't mind me if I get a little feisty.)

So then, I get another call...It's our Polaris Location...Tells me some guy named Eddie is looking for me and my corporate number, and while on the phone with Polaris, our Chantry location calls...And while on with them, our Easton location calls. No one would give him our corporate number or any information..lol They're cool guys.

So this jackass called FOUR other locations looking for me, and our corporate office number. AND he told them he was going to GARNISH my wages...This can't be right.

Should I REPORT THIS? To WHO?

Posted: Wed Apr 26, 2006 2:08 pm Subject:

I would call Sallie Mae and find out what's going on, and tell them you are being harrassed by their CA. Next time this guy calls, find out who he's collecting for. If he's a CA, then he certainly is violating fdcpa. I'd get someone on the extension at work to listen in as well.
Don't take that crap, jess....Tell him to bite ya and suck your left big toe as well!

Posted: Wed Apr 26, 2006 2:11 pm Subject:

There should not be any further issues after a particular account has been paid off. It seems strange to understand why this CA getting after you?? Have you tried calling up Sallie Mae in this regard? They must be having some updated information. Actually, they need to communicate with GC Services and notify them to stop calling you.

If you still hear from them, you can report them to the State Bar Association and also at your local AG's office.

Posted: Wed Apr 26, 2006 2:15 pm Subject:

I just filled out a complaint form at the FTC website..Don't know what good it will do.

I talked to Kelly at Sallie, and they have received my payment and it will post in the next 3-5 days and then they'll forward the paid in full letter to me and to GC.

I'm going to report him everywhere I can get...FOUR stores now know my business....I'm friends with these people, so I'm not EMBARASSED, just MAD.

Posted: Wed Apr 26, 2006 2:48 pm Subject:

Sounds like a huge lack of communication. I would file complaints with every possible agency. Keep copies of your complaints and have them handy for the next time this @$$hole calls you. GO GET 'EM!!

~Mary

Posted: Wed Apr 26, 2006 3:05 pm Subject:

I would be mad too, with him calling every single store location. Even after talking to you directly. Jerk.

I'm glad you filed the complaints because he is completely out of line.

Posted: Wed Apr 26, 2006 3:08 pm Subject:

I hope this FTC form actually works...Has anyone used it before and had a result?

I'm going to call the AG's office tomorrow...I'm still just SO MAD! I know part of it's my hormones..lol But I'm just LIVID

Posted: Wed Apr 26, 2006 3:23 pm Subject:

I have heard of it working in certain situations, and I bet it will work for yours. This guy is way out of line.

~Mary

Posted: Wed Apr 26, 2006 3:35 pm Subject:

I hope so...He's messed with the wrong person on the wrong day...You don't call a person's CO WORKERS and tell them someones business!!!

Posted: Wed Apr 26, 2006 5:51 pm Subject:

The disclosure of your private information is a violation, so is their having called your place of business after you told them not to do so, so is the threat to take legal action that cannot be lawfully taken. Each instance is good for up to $1000 plus attorneys' fees, and you can sue in your local state court.

Posted: Wed Apr 26, 2006 6:11 pm Subject:

Go get him Jeesi. Don't back down.

Posted: Wed Apr 26, 2006 6:41 pm Subject:

4 stores telling each my business...X 1000...$4,000 isn't too shabby...

I think I will call an attorney tomorrow..My personal injury atty. has a collection atty in his same building...

Posted: Wed Apr 26, 2006 11:17 pm Subject:

How can you prove that the CA called you after being asked in writing to cease communications? CAn you request phone records?
Something similar happened to me but I did not realize I had any recourse.
Spending time on this site is like getting a MBA in consumer rights!

Guest · Posted: Thu Apr 27, 2006 5:09 am Subject:

Jessi, you definitely need to give this guy a good lesson, I am sure he has done this to many other people. Don't back down, maybe if nothing else, he will lose his job. He doesn't need to be working at a CA.

Posted: Thu Apr 27, 2006 6:50 am Subject:

I'm going to call an attorney today...I'll let you know what I find out.

Texas--If you sent the Cease and Desist Certified mail, Return Receipt, then you have proof of the day that they receieved the letter...If they call after that, it's harassment. They should have their own phone records as well. Write down every time they call you.

Posted: Thu Apr 27, 2006 10:47 am Subject:

I left a message with 2 Collection law attorneys...One had a voicemail that said she'd return calls by the end of the business day, and the other was in court today, and will be back in tomorrow..

Hopefully I'll hear from at least one of them...I'll let you know what I find out..

My sneaky mind is thinking about faxing a letter to GC and letting them know of my intentions to put a little scare in them...But I should probably sit back and wait, right?

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