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Does anyone have any information on this Riscuity? I have now on two occasions had bad experiences one in which they threatened to have me arrested unless payment in full was received. They are good at playing bad collection agent/ good agent by having one person call and threaten and then a few days later antoher calls to say that person has been terminated and that they apologize for any wrong doing they may have caused. A Mr. Davis called me on 9-7 to tell me I owed 461.94 and that if I did not give him a post dated debit card authorization I would experience serious legal action. Then a week later a Mr. White called and I told him what Mr. Davis had done and he said yeah, that guy was terminated that same day, but now I need to know how much you can pay to take care of this. Today I called back because I had received a message and was told by Mr. White that my file was inaccessable because it was in the hands of the legal dept and that I needed to pay now. I told him I would be more than happy to work something out but that I would like something in writing first. He said that they had sent me something to which I advised him I did not receive anything and he said well we did not get it back so you need to prove we didn't. I told him that I will not pay until I have something in writing to which he responded the only thing I will get in writing is a receipt when the amount is paid. I hung up and he called me right back at work. My co-worker said I was unavailable and he got rude with her and hung up on her. I don't have a fax number to send the cease letter. Does anyone know it?

Posted: Wed Sep 28, 2005 9:35 am Subject:

Riscuity, Inc.
1600 Terrell Mill Rd
Suite B
Marietta, GA 30067

Phone # 678-564-3300
Fax 678-564-3399

Posted: Wed Sep 28, 2005 10:21 am Subject:

Hi Knee,

Welcome to the forums.

I got the address of the two collection agencies for you from the BBB database.

Riscuity Intelligent Risk Solutions
1600 Terrell Mill Rd #B
Marietta, GA 30067
(800) 929-0950

Riscuity/Capital Crossing
225 Town Park Drive Suite 425
Kennesaw, GA 30144
(888) 384-6986

It is true that the collection agency has to produce something in writing before they try to recover the debt from you. As per the fdcpa law, you can refuse to pay if the debt is not validated.

http://debtconsolidationcare.com/validation.html

Moreover, they are violating the law by repeatedly calling you at your place of work and harassing you. All these unfair tactics of recovering the debt should be reported to the bureaus and legal actions should be taken against them.

Make sure that you send your cease and desist letter through certified mail with return receipt requested. This way, you will be able to track your information and also will get sure of your mail getting delivered to the agency. It will have a date specified on it which will prove your efforts made.

If you have any queries regarding it, please let me know.

Regards
Roxette

Posted: Fri Sep 30, 2005 7:35 am Subject: Riscuity

I spoke to another person from this company who has told me that this debt needs to be paid in full or legal action would be taken immediately. He asked for post dated check or Debit card to do this. I said it was not possible and he said than you have a problem and you will deal with the consequences. I told him that I wanted something in writing and was once again told the only thing I would get in writing was a receipt when I paid in full. I hung up on him. I want to send the letter to him about all correspondence being in writing and not taking calls any longer but can't find a copy. Can someone help me? I called the Florida Dept of Financial Services and Riscuity is licensed however their corporate offices are located in the Philipines and have a branch office in Georgia.

Tracy · Posted: Fri Sep 30, 2005 10:12 am Subject:

Knee, here is a good C&D letter. Cut and paste it to your liking... Make sure you send it certified/return receipt and keep a copy.

Your Name
123 Your Street Address
Your City, ST 01234

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to the telephone conversation I had with _____________on ________________. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for �verification� or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Your Signature
Your Name

Posted: Fri Sep 30, 2005 10:29 am Subject: Thank You!

I will be sure to save a copy and keep it on hand to help in the future. I appreciate your help! Have a great weekend!

brenda · Posted: Mon Oct 17, 2005 1:20 pm Subject:

Hi knee. I used to be a debtor of Riscuity months ago. An agent has contacted me at work. She had not threathened me or any act may be similar to threathening. She was very polite and tactful. I was also asking for the proof of the debt but she told me that they did sent the letter but i have not received any to that very day of conversation. She told me that if I could issue a post dated check or debit check for the payment she would qualify me on the payment arrangement they have. I did issue a check dated 5 days after the conversation and we had agreed to split the payment in two. Then we agreed she will just call me again to remind the payment. Then a month after the last payment i have received a payment in full letter. I don't feel any kind of harrassment and i was never threathened in our arrangement and even thankful that a collection agency like Riscuity do offer arrangements just to help us debtors pay our debt in our most convenient ways.

mage · Posted: Mon Oct 17, 2005 1:24 pm Subject: mine is an opposite of yours knee

hi knee!!!! i hate to disagree with you... i'm also one of the so called debtotrs of riscuity....at first i dont want to belive on the person whom i spoke with... when she gave there company name i really had a bad time getting it right.there company is not familiar... but the lady who called me named gail was so polite and so sweet.. she discussed to me everything she answered all my questions politely and she helped me out in making a paymnt arrangmnt with her since i can't pay my account in one time; she offered me different payment mode she never threatened me and never used any legal talks on me.. she just briefly discussd my account to me. she was very professional whatever we agreed upon to deduct from my chcking accout thats the only amount she did took from my accnt; she was very patient in giving me reminder call that they will about to run my chck... knee, i'm sorry bo=ut my experience with riscuity was really quite a different story from you..twas he opposite of yours... probably you was so rude with them... try to be nice with them besides they are there to help us.. they helped me.. gail helped me riscuity helped me

Posted: Mon Oct 17, 2005 1:54 pm Subject:

Brenda and Mage

You both are few of the lucky ones who just came together in this site and posted your good experiences with riscuity. Not all people work in the same way like Gail did as you say. I hope that Knee gets in touch with Gail this time.

fancysmiley · Posted: Tue Oct 25, 2005 10:41 am Subject: I agree with Knee

I am also a debtor of Riscuity and just like Knee, I have had a bad experience with them. They called me asking for payment in full and I told them that it wasn't feasible and just today I find out that they debited my account for the entire amount causing my other checks to bounce. I had previously made a payment to them by check and they already had my information. I now have to pay $330 in overdraft fees because of their unauthorized debit from my account.

Posted: Tue Oct 25, 2005 12:04 pm Subject:

Fancysmiley

I will like to talk with your bank and enquire about this unauthorized debit. They are likely to give you a report and if it is in your favor, then you can file a case against Riscuity for unauthorized debits.

In the meantime, ask them to split your payments each month so that you can surely pay it off.

Riscuity Corporate · Posted: Fri Nov 04, 2005 12:16 pm Subject: Riscuity Corporate Response

Riscuity is responding to the concerns voiced on this website. We would first like to state that we are not confirming the allegations here, but addressing these very pressing concerns and letting the public know that we take these allegations very seriously and conduct thorough investigations whenever allegations such as these are made. Any collector found making threats or breaking any collection law is immediately terminated. Riscuity has a zero tolerance policy pertaining to fdcpa violations and/or collector misconduct. While employed with Riscuity, all collectors are subject to monitoring reviews in order to insure compliance.

Specifically, Mr. Davis (a collector mentioned in the allegations here) was terminated in September of 2005. The reasons for the termination remain confidential.

Moreover, Riscuity's primary business is the collection of bad debts. It is the practice and policy of Riscuity to work with every customer in a professional manner and when necessary work out payment arrangements to avoid further collection efforts. Unfortunately, no one likes to receive a collection call and those calls may often be uncomfortable for the debtor. We do our best to make each call as comfortable as possible and try to help each debtor resolve each matter expeditiously.

We hope this helps ease some of the concerns expressed here and trust that our debtors now have a better understanding of our internal processes.

Thank you.

Riscuity

Posted: Fri Nov 04, 2005 1:22 pm Subject:

Watch your back and document and tape record everything with these guys. These jerks threatened me everyday with freezing my bank account and I was scared, didn't know my rights and foolishly sent them the money. I asked for three months for a paid in full receipt and finally after telling them that my attorney would be in touch, they faxed the paid in full statement. It took me 4 months to get the credit bureaus to correct the information and show the account paid in full. Like I said before, WATCH YOUR BACK with Riscuity.

darktigeress · Posted: Tue Nov 08, 2005 3:34 pm Subject: tok money out of my account

riscuity took money out of our checkining account with out are knowledge and we never received a letter from them or gave them the permmission to take the money out and thanks to them our rent check as bounced

Posted: Tue Nov 08, 2005 3:56 pm Subject:

Hi darktigeress

Sorry to hear about this incidence. Close your checking account if it is necessary. You should file your complaints against them at the local attorney general office, FTC and the BBB.

You can also take some legal advice and file charges with the help of your lawyer against this company. If you do not take actions against them, they will use your personal information illegally and you will have to go through many unwanted situations.

Regards
Roxette

Cyn · Posted: Thu Nov 10, 2005 8:15 am Subject: Help knee

Hey knee: hope this helps...try calling Security Check, LLC in Southaven (Oxford) MS @ 877.892.4325. They tried to collect from me through this merchant Riscuity. Also, they have a POB 1530, Dept 010, MS, 38671-0016. Wild, eh? Perhaps they can give you what you need.

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