Vital Recovery Services are a real scumbag – How can I deal with them?

These people are FRAUDS !!!! I asked them to put anything they have to say to me in writing and they will not do it. Only phone calls . They are REAL LOE LIFE SCUMBAGS , Believe me.

These people are FRAUDS !!!! I asked them to put anything they have to say to me in writing and they will not do it. Only phone calls . They are REAL LOE LIFE SCUMBAGS , Believe me.

These people are FRAUDS !!!! I asked them to put anything they have to say to me in writing and they will not do it. Only phone calls . They are REAL LOW LIFE SCUMBAGS , Believe me.

I had a $600 end of lease fee that Mercedes wanted me to pay and I received a notice in November 2008 that I owed. So I called Mercedes Financial and said I wanted to dispute the charge because it wasn't told to me that I would owe the $600 when I signed the lease. It wasn't until April 2009 when I applied for a business loan and was declined that I found out they sent the debt to Vital Recovery Services. My question is if VRS is a scam how where they able to put there name and amount I owed on my credit report?? I actually paid for the reports from all 3 of the Majors and all of them had it on there.......I ended up calling this VRS place and they said they would take $446, so I said I pay $300 now and $146 later and all will be good. So before I pay them the rest, how should I get written confirmation or make sure they will immediately take it off my credit reports??

Here is a letter I sent to Vital Recovery Services, which I Sent Registered Mail, Return Receipt Requested

RE: Account 6134806 (Copy Enclosed)

To whom it may Concern,

After calling your toll free number and talking with one of your representatives at Vital Recovery Services (and getting nowhere), I find myself forced to respond by letter. You are attempting to collect a debt that is not legitimate. Your client in this matter, AIG insurance, is incorrect in their claim that any moneys are owed.

For a period of time I had automobile insurance with AIG. For a period of two months they charged to my step-father my premiums to his debit card. They also where failing to charge him for his auto insurance to his card, as they claimed they could not charge the same card for two different policies in two different names. Regardless, as that really is not the matter, I elected to go with a different insurance company using a local agent. My step-father, also not able to get the proper resolution with AIG found a different insurance carrier as well.

Prior to the expiration of my policy I obtained my new insurance. Upon receipt of my proof of insurance with my new company, the insurance with AIG was canceled. At no time was I uninsured, and the transition was seamless. Most important, at the time of cancelation, all premiums were current.

It appears that AIG continued to bill for a canceled policy, though they were properly notified. I can assure you that dealing with AIG???s customer service was a dreadful experience.

Therefore, as required by the Fair Credit Reporting Act (FCRA) I am notifying you in writing that this debt is disputed, as I attempted to first do in my call to you. Further, this debt is not valid, and therefore is a fraudulent attempt to collect money not owed.

Under FCRA I am requesting my legal rights be adhered to in that both your firm and AIG not report this debt to any credit bureaus without including this notice of my dispute. In addition, as you have been now notified of this error in writing, you may not continue to report the information until this matter is fully resolved.

To be certain you understand what I am giving you in writing, let me reiterate fully:
1. This letter serves as your written notice to inform you that I dispute the debt. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification.
2. In addition, under the provisions of state and federal Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and related consumer statutes, I am hereby instructing you that you are to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection.
3. Furthermore, any reporting of this matter to a credit reporting agency is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you will need to notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
4. Your next contact with me should be either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau(s) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility.
5. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing.
Finally, if you we are unable to resolve this dispute and I remain convinced that this is a willful violation of the Fair Credit Reporting Act, I will engage the services of an attorney. I fully understand that Sections 616 and 617 of the federal "Fair Credit Reporting Act" permit me to sue for "Willful Noncompliance" or "Negligent Noncompliance" of the FCRA. In addition, I will also report it to the Federal Trade Commission, as well as to the appropriate agencies that govern your firm in the State of Georgia. I will not pay for AIG???s mistakes, and I will not tolerate any negative reporting to my credit rating.

In light of last year???s bail-out of AIG (to the tune of billions of federal taxpayer dollars) one almost has to wonder if AIG???s horrid customer service and poor business practices were partly to blame for their ???self-inflicted??? demise.


Sincerely,

I had almost fell for there deals they tried to make with me on paying my debt.

RCW for my state law says anything over 7 years is not able to be collected. I didn't know at the time that i was over 7 years by the way.

Anyway...as I listened to this deal they made about paying 1.5k and my debt would be cleaned off...i asked for them to fax that in writing before I do anything. They did...

The fax came with a totally different amount. 2.7k instead...of course I got online and did homework right away.

I learned that my debt is not able to be collected after 7years from the write off...i was going on year 8 at the time to. I called back and said hell no I wont pay you jack...they kept saying my state law said 8 years...(while I had the state site with rcw on my screen saying different).

I also learned if you pay one cent towards these low life animal droppings..it WILL reset that debt timer again... SO DONT DO JACK... Ignore the threats about attorney going to get on you.
They tried that...

I am about to have a lawyer write me out a letter for them to piss off and stop calling and sending me junk mail. I am going on 9years since my debt was written off and sent to collections.. well past the RCW 7 year limit.

Bunch of debt buyers who pay 5 bucks for your info and try to collect it. They are the scum on the bottom of the shoes of ambulance chasers...lower than those types 10 fold.

Call 678 578 1026 it is the number for Vital compliance. They will remove your number for you.

They called my husband out of the blue regarding a defaulted car lease by my stepson. They immediately wanted to know what he was going to do about it. The collector was very abrasive and spoke nonstop, not allowing us to talk. He asked us for our household income and debts so they could determine how much my husband will pay - do they have the authority to demand such personal information, even if my husband could be liable for the car lease?

We asked VRS to send us a DV at the request of our attorney. VRS claim they sent us a notice 3 weeks ago but gave us my stepson's address even though they had ours on file. We repeated our request at which point the collector asked for our attorney's contact information. He finally agreed to send us a DV letter and then hung up on us.

if your husband's name or yours is not on the debt as co-signers.then you are not responsible for this.there is an address at the first part of this thread.send this clown a DV letter asap.send it certified mail return receipt.

We requested debt validation from VRS verbally and in writing over a month ago (we had never heard of or from them before and didn't know if they were authorized to collect on the debt). Within 2 weeks of the request we started getting calls from another collection agency. We never received our DV from Vital Recovery and just yesterday VRS called us (per our caller ID) for the first time since our DV request but didn't leave a message. Did they pass along our account or no? Does the information on a debt get circulated between collection agencies and whoever can collect gets the credit? We've never dealt with collection agencies before and are confused and wondering who we should be negotiating with.

Also - if we're trying to negotiate payment, can they demand personal information including my income and joint household debts? I was not involved in the debt but my spouse co-signed for his son (who defaulted on a loan and has been a no-show leaving us to deal with all this).

well vital unless in TX has no deadline to respond to a DV unless they can validate.if they can't they just move it along.who is the CA calling you now?did you get anything in writing?if not what # shows up on caller id?i'm afraid the DV letter should go out again.

We haven't gotten anything in writing. The number onthe caller ID is 866-825-4574. I searched the web and the phone number belongs to Allied Interstate:they appear in alot of blogs for their abusive and illegal debt collection tactics. They have yet to leave a message and when we've answered the phone, there hasn't been anyone on the other end. I'm worried about calling them based on what I've read: according to the reports from others, they flagrantly disregard FDCPA laws and have been sued for their violations...not a can of worms I want to open.

In negotiating a payment settlement can a collector demand personal income data? In the first conversation with VRS, they asked for our joint household income and debts to determine how much we can pay. Any negotiation is still pending on the DV but we want to know what the next step should be.

So I'm looking at my credit report, and on it I see that there have been two inquiries that appear to others and which may affect my credit score. One was a department store credit card, and the other is Vital Recovery Services. Other than MCM (another bunch of scammers that tried harassing me about a debt from college over 10 years ago, resulting from a charge I disputed with Citibank and never heard back from them until they had tacked on $200 in late fees), I haven't been contacted by any debt collectors. So I guess I have three questions:

1) Is there any way to:
a) find out what justification VRS used to get my credit report,
b) prevent them from doing so in the future, and/or
c) have the fact that they did so removed from my report?

2) Is VRS affiliated with Midland Credit Management?

3) MCM has been bugging me on and off about the Citibank issue for years, at multiple addresses and phone numbers. There has been no movement on the account for 10 years, and I have never agreed to anything or paid anything. I have told them repeatedly to sod off, but they keep at it. What recourse do I have, how much could I expect to see out of it, and how do I begin? Since I've started keeping track, they have called in the past two weeks all of the following times, and then some that I neglected to write down:

Fri, 11/20 10:19a
Sat, 11/21 10:47a
4:26p
Sun, 11/22 9:37a
Mon, 11/23 9:42a
3:23p
Tues, 11/24 8:46a
1:33p
3:16p
4:42p
Wed, 11/25 9:07a
5:38p
Fri, 11/27 1:26p
Sun, 11/29 2:14p
Mon, 11/30 3:15p
Tues, 12/01 3:15p
5:41p
Wed, 12/2 9:04a
3:17p


Thanks in advance.

So I'm looking at my credit report, which seems mostly clean, but on it I see that there have been two inquiries that appear to others and which may affect my credit score. One was a department store credit card which I authorized, and the other is Vital Recovery Services. Other than MCM (another bunch of scammers that tried harassing me about a debt from college over 10 years ago, resulting from a charge I disputed with Citibank and never heard back from them until they had tacked on $200 in late fees), I haven't been contacted by any debt collectors... so I don't know what the VRS thing was about.

So I guess I have three questions:

1) Is there any way to:
a) find out what justification VRS used to get my credit report,
b) prevent them from doing so in the future, and/or
c) have the fact that they did so removed from my report?

2) Is VRS affiliated with Midland Credit Management?

3) MCM has been bugging me on and off about the Citibank issue for years, at multiple addresses and phone numbers. There has been no movement on the account for 10 years, and I have never agreed to anything or paid anything. I have told them repeatedly to sod off, but they keep at it. What recourse do I have, how much could I expect to see out of it, and how do I begin? Since I've started keeping track, they have called in the past two weeks all of the following times, and then some that I neglected to write down:

Fri, 11/20 10:19a
Sat, 11/21 10:47a
Sat, 11/21 4:26p
Sun, 11/22 9:37a
Mon, 11/23 9:42a
Mon, 11/23 3:23p
Tues, 11/24 8:46a
Tues, 11/24 1:33p
Tues, 11/24 3:16p
Tues, 11/24 4:42p
Wed, 11/25 9:07a
Wed, 11/25 5:38p
Fri, 11/27 1:26p
Sun, 11/29 2:14p
Mon, 11/30 3:15p
Tues, 12/01 3:15p
Tues, 12/01 5:41p
Wed, 12/2 9:04a
Wed, 12/2 3:17p


Thanks in advance.

I cannot believe these people! They want me to pay for canceling my car insurance and they give me no accurate information about why and when! I called the insurance company and got no help or clear explanation about why I need to pay for something that was not covered! If I pay for the time I was covered by their insurance company, why should I pay for canceling ahead of time? I saw no penalty statements on the website and now they say that I owe them money because I canceled early. WTF! They should thank me for not suing them and Vital Recovery Services. If I get one more call from them, I'll have to report it as harassment.

If they call again, tell them to put their claim in writing, that you don't do business over the phone. Verify your mailing address, then hang up. If they're dumb enough to send you something, then you'll have all of their data handy for your complaint.

Hi! I made a really dumb mistake based out of fear when I received a call from Vital Recovery Systems on Friday. It was the first collection call I had received in 12 years, and the old familiar freaked out feelings came back, and I panicked. I had some credit card problems in 1997 as a result of trusting the wrong man who was supposed to be my life partner but left me with a lot of debt. I thought I had settled all of the debts with the credit card companies, and then out of the blue I get a call from Vital Recovery Services, informing me that they were the collection agency for Capital 1. I told them that I had settled with them, and they said that they would need a receipt to prove that, otherwise they would settle for half the amount. They said that if I didn't pay they would keep calling for 20 years if that's what it takes. Collection calls really unnerve me in a major way, so I thought maybe I should go along with the settlement option. They told me that even though it was past 7 years, they could put the debt back on my credit report, something I really don't want, since I've had to pay long and hard even though I settled with the credit card companies. I've been denied housing, and just put through hell as a result. The pperson with whom I talked on the phone said that if I paid the amount that it would be taken off of my report for good and marked as settled. She wouldn't let me send a check though. She said the only way I could be guaranteed the settlement amount was if I paied her using my checking account. So.... Here's where I did the dumb thing. I gave her my account #. After reading these posts, I know I made a mistake. I am going to close my account on Monday, and the bank told me that even if the company tried to take out the money, it wouldn't be taken till Tuesday. I tried to call VRS this morning, but they weren't open, even though they said their office was supposed to be open after 8:00 AM. I looked up the company with the BBB, and the # that called me wasn't listed as a valid #. Now what do I do? Will this info be on my credit report? Will I have to go through nightmares of being refused things such as housing because of this? I'm really not sure what my rights are even after reading all of these posts. I'm just so mixed up over all this! Any help would be greatly appreciated. I asked the woman why nobody had tried to collect the debt for 12 years, and she gave me some line about not being able to find the info. As a blind person who has received SSDI and SSI in the past, I know the info isn't difficult to obtain at all.

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Hi! This debt is 12 years old, and i live in Wisconsin. Neither capital 1 nor a collection agency has attempted to contact me in 12 years. Sure I moved to a different state, but have always had listed phone numbers, so if they found me now, why didn't they find me a long time ago? It just sounds really fishy to me in a major way. I'm just worried about them putting things on my credit report. I'm also worried about them attempting to garnish my wages and things like that. What if they take me to court? Geez. The reason I settled with all of the credit card companies is so that I wouldn't have to deal with this again. I'm just not sure what to do.

[QUOTE=Anonymous;507004]Hi! I made a really dumb mistake based out of fear when I received a call from Vital Recovery Systems on Friday. It was the first collection call I had received in 12 years, and the old familiar freaked out feelings came back, and I panicked. I had some credit card problems in 1997 as a result of trusting the wrong man who was supposed to be my life partner but left me with a lot of debt. I thought I had settled all of the debts with the credit card companies, and then out of the blue I get a call from Vital Recovery Services, (1) informing me that they were the collection agency for Capital 1. I told them that I had settled with them, and they said that they would need a receipt to prove that, otherwise they would settle for half the amount. They said that if I didn't pay they would keep calling for 20 years if that's what it takes. Collection calls really unnerve me in a major way, so I thought maybe I should go along with the settlement option. (2) They told me that even though it was past 7 years, they could put the debt back on my credit report, something I really don't want, since I've had to pay long and hard even though I settled with the credit card companies. I've been denied housing, and just put through hell as a result. The pperson with whom I talked on the phone said that (3) if I paid the amount that it would be taken off of my report for good and marked as settled. She (4) wouldn't let me send a check though. She said the only way I could be guaranteed the settlement amount was if I paied her using my checking account. So.... Here's where I did the dumb thing. I gave her my account #. After reading these posts, I know I made a mistake. I am going to close my account on Monday, and the bank told me that even if the company tried to take out the money, it wouldn't be taken till Tuesday. I tried to call VRS this morning, but they weren't open, even though they said their office was supposed to be open after 8:00 AM. I looked up the company with the BBB, and the # that called me wasn't listed as a valid #. Now what do I do? Will this info be on my credit report? Will I have to go through nightmares of being refused things such as housing because of this? I'm really not sure what my rights are even after reading all of these posts. I'm just so mixed up over all this! Any help would be greatly appreciated. I asked the woman why nobody had tried to collect the debt for 12 years, and she gave me some line about not being able to find the info. As a blind person who has received SSDI and SSI in the past, I know the info isn't difficult to obtain at all.[/QUOTE]


Tell VRS to go outside and play 'hideandgof*ckyourself'. Seriously. I'm sorry, but when a junk debt buyer does this sort of patently illegal crap, it just pisses me right off. Send them a cease-and-desist letter, CMRRR, and be done with them. If you want, I'll even write the letter for you. Let me know.

Now then... Let your favorite Uncle Wulf tell you how it really is. I count a minimum of four violations of the Fair Debt Collection Practices Act (FDCPA) and other federal laws in what you've posted above. I numbered them, now let me sho you why they're violations:


(1) informing me that they were the collection agency for Capital 1.

Violation of ??807(10) of FDCPA ([15 USC ??1692e(10)], prohibiting "The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer."

They aren't representing Cap1 after all these years. The account's probably been sold at least five or six times.


(2) They told me that even though it was past 7 years, they could put the debt back on my credit report

Second violation of ??807(10) of FDCPA. Also a probable violation of ??605(a)(c)(1) [15 USC ??1681c] of the federal Fair Credit Reporting Act (FCRA), which states: "(1) In general. The 7-year period referred to in paragraphs (4) and (6) 3 of subsection (a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action."
[COLOR=#0000ff][/COLOR]
Negative tradelines can only stay on your credit report for seven years from the charge-off date. Figure seven and a half years after your last charge or payment.


(3) if I paid the amount that it would be taken off of my report for good and marked as settled.

Third violation of ??807(10) of FDCPA. Also an FCRA violation.

The account has already 'fallen' off of your credit report, due to it's extreme old age. There's nothing there for them to take off. And if they tried to sneak it back on, that's more violations.


(4) wouldn't let me send a check though. She said the only way I could be guaranteed the settlement amount was if I paied her using my checking account.

And they just had to have it right now, today, didn't they? That's called 'overshadowing.' Violation of ??809(b) of FDCPA [15 USC ??1692g(b)]. That section of the law states (in part) that: "Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer???s right to dispute the debt or request the name and address of the original creditor." Also a probable violation of the federal Electronic Funds Transfer Act.

Hi! I live in Wisconsin. The debt is 12 years old. As far as I know, I haven't received any contact to collect the debt until Friday. I am just wondering if this will be put on my credit report. Will I have to start all over because of this? Can they take me to court, and/or garnish my wages? What should I do now? I am going to ask for a debt verification letter. Is it reasonable to request to pay the settlement amount with a casheers check or a money order? When I change my account, after reading what others have posted, I do not want them to have access to it. Thanks, Jenni

Sorry about that. I didn't see my last post at first. Yes, I would really appreciate help in writing the letters I need to send. I just want to get rid of these people. Thanks so much! Jenni

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Vital Recovery Services wrote me about a debt settled 14 years ago. Insurance company paid off a car that was immersed during a flood.

Now VRS said I owe thousands and that if I don't respond within 30 days they will assume the debt is valid. If disputed VRS says it will obtain a verification of the debt or a copy of a judgement (???) against me.

Upon my written request, they will provide me with the name and address of the original creditor if different from the current creditor. The current creditor purchased the account from the original creditor and turned it over to VRS to collect for them, according to the letter I received today.

I have not ever been contacted by the original or any other agency about this in 14 years...and now that I have been trying to clean up my credit report to qualify for a home mortgage, I get this letter. And I don't see this on my credit reports either.

I've heard people say responding to these companies can cause an account to be reopened, even if years later. What must i do now?

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While most states allow non-legal collections on out of stat debt, there are several states which have state laws prohibiting even the attempted collection of an out of stat debt. I think Wisconisin is one of them, and I think Mississippi is another. Worth checking your own state laws closely. Vital Recovery is a high volume place, better than most agencies so don't get too paranoid about them

Vital Recovery keeps calling me at all hours. For months I have been trying to tell them That I am not the person they are looking for, nor do I know that person. And the phone number that the have been calling has been mine number for over 8 years. They promise me that the number will be removed from their system, but it talkes 24 hours to tell the computer to remove the number. AND I STILL GET CALLS!
You would think that they would be smart enough to look this person up and get a correct number. But I guess they can't be bothered. I just contacted my lawyer to see if I have a case for harassment. But he said stupidity and laziness is not a case.
oh, well. Maybe this time they will lose my number...
Good luck to anyone who has to deal with these idiots.

Here's one for the books.

One of Vital's clients sent me a check that I NEVER asked for and NEVER cashed. It must have been some error somewhere. Yet they claimed I owed them money. How does one owe money that he never asked for and accepted? Their records should have reflected that this check was never cashed. And, if it was never cashed, they should have cancelled the check and that would have been the end of it rather than harass me with calls. It???s not rocket science: cancel the damn check. Duh! How many Einsteins do Vital and their client have working for them?