What is the best way to handle Ellis Crosby and Associates?

Hi mdow315,

Welcome to the forums.

The information that Ellis crosby has been suspended is correct. ACA has suspended their activities for 90 days.
So if they are carrying on their activities its illegal.
They have been suspended from June 1,2005 onwards.

For more details view the following posting in the forum -

http://forums.debtcc.com/forums/about3246.html

So you don't need to worry. But don't make any payments to them under any condition because your payments may not be reflected on your account.

If they continue to harass you then you can file a complaint with FTC.
Also take advice from your lawyer about your next step.

Hope this information is of help to you.

Regards
Thirdeye

Thanks thirdeye. When they called my Friday she told me htey were not under suspension or it would be illegal for her to call me. I did file a complaint with the FTC and with the Attorney General of Florida. If I'm not to make payments to tehm should I contact the original creditor to arrange a payment with them?

Also who exactly is the ACA International?

Hi mdow315

ACA International is an international trade organization that keeps information about the credit and collection professionals having offices in California.

It is a government organization that is designed to educate the consumers, business professionals and various other agencies about the laws prevalent in the credit and collection industry.

If any agency is practicing unfair business, the ACA has the right to suspend the business. Ellis Crosby had been practicing unfair collection efforts and as a result their membership has been suspended by the ACA International.

Regards
Roxette

But that doesn't really stop tehm from collecting? or calling? right?

You mentioned in your last post that you contacted Summer Saladino who is also working to stop unfair collection practices. So, it does work :D

Calling endlessly to the consumers is itself a violation of the fdcpa law and these acts also need to be reported to the concerned government agencies.

We should encourage our community members to lodge complaints at Summer Saladino as you have mentioned in your last post and we are definitely going to see some quick action.

Regards
Roxette

Roxette- I am so excited for something finally to happen to them! Hopefully it is in our favor. I got a letter from the BBB telling me they had no response from Ellis and Crosby and that was it! They couldnt do anything else... :o

Hi Katie

Welcome back. We are ready to see some action against Ellis Crosby very soon.

If you come to know anything, just update all of us in the community

Regards
Roxette

I received "5" calls yesterday (08/08/05) from a Crystal Freeman of Ellis Crosby & Associates. Two at work and two at home. Each time, she left a voicemail. I called her back this morning and left a voicemail telling her I knew they were suspended from collection activity by the ACA Ethics Committee until September and I asked her to cease all phone communication and that I would only deal with them by mail. I am waiting to see whether or not I get a call or two, today.

I received a phone call this morning at work from Ellis Crosby and Associates. The individual I spoke with said that I had until the close of business to pay or I was going to have fraud charges filed against me and arrested. Can they do this? I filed a complaint with the FTC and contacted the Attorney General in Florida. Please someone help me understand if Ellis Crosby and Associates are capable of doing this?

No they cannot do anything to you, if you read all of our experiences they are the exact same as yours. They cannot do anything to you

I paid them $250 of th $1025 they said I owed and then I found your site. I then faxed a discription of my experience to Summer Saladino with the FL Attorney Generals office. She sent me an affidavit to file a complaint with their office. I called Ellis, Crosby, & Associates back and told them that I knew ACA supended their license for 90 days and that I had contacted the FL Attorney Generals Office and filed a complaint. I haven't heard back from them since. So I believe it works!!!!

Please read the following link of a complaint filed at the Better Business Bureau.

spokane.bbb.org/alerts/alerts.html?newsid=511&newstype=1

You can also make your move by filing your complaints at the FTC, BBB, DA's office and request for immediate legal action. It seems that it is in the process of some legal action very soon.

Regards
Roxette

Thank you for the information and feedback. I will hold off on making any payments to them. I contacted the local magistrate office and sherriff department yesterday and asked them if Ellis Crosby and Associates could do such a thing and they said no. Thanks again for the information. I filed a complaint with the FTC and with Ms. Saladino (Florida Attorney General).

I got Four (4) calls just two days ago.... two at work and two at home, from Crystal Freeman of Ellis Crosby & Associagtes. She left messages each time. I returned her call the next morning and left a message telling her I knew they were under suspension until September. I told her Not to contact me at work and then I told her, as a matter of fact, to cease any and all phone calls and that I would only deal with them by mail. I have not heard back from her.

I just filed a complaint with the BBB of Florida. I plan on contacting the FTC. In case anyone needs the number it is 1-877-382-4357. Thank you everyone for all your postings.

Katie, what will happen after their 90days suspension is up? We will be subjected to their phone calls and harassing again? Will we have to start paying them? Any feedback from Katie or anyone else is greatly appreciated. I only received one phone call from them and I haven't heard back from them.

I have not heard from these people in MONTHS! I will laugh at them and tell them where to stick it! If they call me back i will record the conversation and press charges!

How do i file legal actions against these posers. and do anyone know if there is any chance of us getting some of our money back

Hi sophie1

If the debt is valid, then you will have to pay it. Also, you will have to arrange payment for what you owe. Not what has been falsely presented by Ellis Crosby. I am sure that they will have to legally validate the debt if they wish to recover the money from the consumers.

SUNSHINE - You can exercise your consumer rights by filing complaints at the FTC, BBB, DA's office as did by many community members over here.

Regards
Roxette

It has been two days and I still have heard nothing. I suppose, if they call again, in September, I will just tell them that I will only deal with them via mail and they will need to validate the debt before I pay anything.

Ellis Crosbys membership with ACA was actually terminated on August 9th, however this has no bearing on their ability to collect debt. It would be like getting kicked out of Girl Scouts or something basically.... They are and have been able to collect debt...The problem lies in how they are doing so. Use your rights and request your debt validation...In the meantime file those complaints!! The Attorney Generals office in Florida is actually taking statements and if you call them they will mail you an affidavit to fill out regarding your experience with Ellis. In the meantime, we do all still owe our debt, and nothing we are saying or doing will get us OUT of that debt, it will only help to ensure that they are A) Collecting debt in accordance with federal law & B) Collecting debt on a VALIDATED amount....Good Luck

I got a call also from the company a man name richard steel he said i could go to jail and all this stuff what do I do?

Just to help alleviate and missgivings about filing complaints against this company. They do know they are suspended from the ACA and are just ignoring it. They think to continue doing business until September 1 and then everything will be okay. If anyone contacts you from this company, you would be smart to contact the original company and make arrangements with them and report the phone call to them also. Eventually the companies will stop using them if enough complaints come in...

Hi Kay

Welcome to the forums. Please read the similar posts of Ellis Crosby in this forum and make yourself well informed of your consumer rights as per the fdcpa law.

Our community members have posted their recent experiences faced with Ellis Crosby and have taken appropriates measures to solve these types of problems. I assume that you will also be able to handle them more confidently after gathering sufficient knowledge from this forum.

Regards
Roxette

I have been reading all of your responses, and I am also have problems with this company. They are very threatening and very unagreeable to make payment arrangements and wanting all the money at one time. They told me that they are actually a legal office and can have charges/??affavidavit?? filed against me and uploaded into the system and have me picked up immediately. I don't know what else to do. I have an appointment with an attorney on Tuesday to see what all my options are, can anyone tell me what has happened with their experiences? Has anyone else gotten a lawyer against them or actually had charges filed? Thanks in advance for any and all information. Where did you find out about them being suspended? I have been looking for that.

Hi Rachel89

Welcome to the forums. You will get to know more about the atrocious acts of Ellis Crosby in this forum. Their membership has been revoked by ACA International.

ACA International is an international trade organization that keeps information about the credit and collection professionals having offices in California.

It is a government organization that is designed to educate the consumers, business professionals and various other agencies about the laws prevalent in the credit and collection industry.

If any agency is practicing unfair business, the ACA has the right to suspend the business. Ellis Crosby had been practicing unfair collection efforts and as a result their membership has been suspended by the ACA International.

Please file your complaints at the FTC, BBB, and DA's office as done by many of our community members.

Please read the following complaint filed at BBB against Ellis Crosby.

spokane.bbb.org/alerts/alerts.html?newsid=511&newstype=1

Regards
Roxette

Karen baker called my house this morning and stated that my husband got a loan and she needed to talk to him, I told her he was not home and I asked what it was that she needed she stated that if he did not call her back by 12 noon today that she would be filing charges of theft and he would be going to jail.

I have been ill for some time now and when she stated this I know my blood pressure went up!!! I told her I would have our lawyer contact her and when I said that she hung up on me... i got on line and found this web site and i am so glad.

I called her ass back and left her a long message and I know she didn't like it, I thank god for this web site, if anyone wants to call the bbb to complain here is the number 904-721-2288. The bbb shows that this company has a good record with them.

So if I can get you all to call and report them I'm sure they won't be in good standing with them again.

I will be filing a complaint with the attorney general's office on Monday. I wish she would call my house again, ever; she will get a word or two....

Thanks

KIMTOBI - I also had a similar situation sometime back when people from Ellis Crosby called me and were asking for some kind of payment. I was already aware of their suspension and knew that they were involved in such illegal activities. I informed them that the conversation held has already been tapped and now I am going to my lawyer to seek legal advice.

Then, I said to him that I was expecting their call some time. Now, I am ready with the FTC online complaint form and after you leave the phone, I will be entering a complaint about Ellis Crosby in the FTC, BBB and the DA's office. He hung up. :D

I just received yet another call from Ellis Crosby & associates in regards to a loan I supposedly did 'fraudulently" on the internet. I have since paid off this loan in cash and they are still calling. I told him he was to not call me at work any longer, he said I had mallicious charges against me? What do I do to have this stopped? I'm not sending anymore money to anyone. Please help

Hi suebabe27

Did Ellis Crosby provide you any proof of these "malicious charges"? Please ask them to prove it if they want money from you.

Be rest assured that you are not required to pay anything. They are involving in all sorts of illegal techniques to recover money from anyone. I assume they are having real problems in running the costs of their business.

Regards
Roxette

I read on the ACA websit that Ellis, Crosby, and Associates were expelled from the association effective August 9, 2005

Very soon, we are going to hear from FTC and BBB also taking legal action against Ellis Crosby and Associates.

BBB is publishing consumer complaints in their website

spokane.bbb.org/alerts/alerts.html?newsid=511&newstype=1

I have just gotten another call from them at work. I have tried to contact Apollo Group where I took at the loan of 200.00 but they will not speak to me. I now owe Ellis Crosby 560.00 and they say they can have me put in jail. The whole problem is I paid the loan off back in May...but no one cares...what do I do?

I'm dealing with Ellis regarding two loans, one with FSM Group and the other with Platinum B Services. Can anyone tell me what Platinum B debited from my account as? (What name they used that would show on my statement)

Katie,
I just received a call from an investigator at Ellis Crosby and Associates and before she could even get her spill out I told her to cease all lines of communications and to send my validation of the debt and any other correspondents through mail from here on out. Then I hung up. She called back and said that the next step would be to contact my employer. So I have informed my boss of what is going on. I received my affidavit from Atty. Summer Saladino. Do you have any feedback or suggestions? Thanks

I wish I would have read this website before I acted on a fright scare by "Private Investigator Steven Price". The SOB told me that the call was being recorded, gave me a case number, and asked me to pay up by 1PM if I didn't want officers at my work to pick me up, and that too, double of what I origianlly owed. So, with only 2 hours remaining till 1PM, I called my friends with all the shame that I could possibly pull together, and asked them for help. They are true friends and helped me with $600. So I pay using MoneyGram. Now after I paid, I have called them and left them 4 voicemails with the reference number and have asked them to give me a call back for confirmation that the so called "charges" shall be dropped. I haven't recieved a call back yet. Now I read these forums, and realize what a fool they have made out of me. I feel so small within myself and in front of my friends who helped me. I am so fkin angry right now, I could eat them up alive. Anyone reading this has probably heard this similar story repeat itself over and over....So I want to ask, if there is any good lawyers anyone knows of, or has used or using, that I can call to file a claim against Ellis Crosby, please let me know. I am ready to go all out.
Thanks,
SBDALLAS

Hi Folks,

I suggest all of you once again not to get carried away by the atrocious calls of Ellis Crosby. These people are continuously involved in horrendous activities and desperately need legal action.

We are just hoping to hear some positive news from BBB and FTC about the end of such malicious activities.

Regards
Roxette

They have been expelled from the aca as of 8/9/05 also has any one ever been arrest from these peoples threats

Unfortunately, their suspension from ACA has NO bearing on their ability to collect debt! Everyone needs to file their complaint with the Florida State Attorney's office, their collection procedures are wrong and unlawful, but the ACA can't stop them....only we can...I haven't heard from them in 2 weeks and I made no threats to them, so I don't know what's going on...

Ellis is a JOKE...they really are. YOu know that saying, "You had me at hello"...well I had THEM at "Private Investigator."
I work for the government and I KNOW what a REAL PI is and rule # 1: You don't tell people that you are a PI and 2: there are no collection agencies that have PI's....that's a federal thing. My boss laughed at them too...heh.

I just can't imagine these peoples' boss "Welcome to the job, I need you to tell the people you harass that you are a Private Investigator and I need you to scare the hell out of them. That would be fun."

::rolls eyes::

I would think someone would have to be pretty desperate for work to get a job there...and could you imagine trying to collect unemployment????

LOL! I don't care how poor I am, I would never lower myself to harassing innocent people for a career!!!

I think they got their employee's right out of the HUNSTVILLE PAROL BIN
HOW SAD!
I would never make a living harasing people, if an employer told me that I would defeinatly say I QUIT

Of course these are the people who probably have collection agencies calling them at home 2000 times a night and they get their revenge by calling us and harassing us over what? a $150.00 loan? My loans totaled 300.00 and Ellis wants 880.00. I know the crazy thing with these stupid payday loans is that the payments you make are only payments on the interest of the account, so if we are only paying refinancing charges, then we still have the sum of the principal values to pay, but but having nearly 3 times the amount I loaned owed is beyond ridiculous! But again, I haven't heard from Ellis since two weeks ago next Monday, with the exception of a voice mail from "investigator ward" (who called herself MS WARD on my voicemail) last Friday...I never called them back and there has been no word since!
I'm thinking about taking all of these posts and printing them out and mailing them to this MS WARD so she can see for herself what scum the company cutting her payroll checks is! Could you imagine even TRYING to get another job after working for this company? I would be SO embarassed...Yeah I worked in collections scaring the crap out of innocent people...but I would really love to be your___________??????????

No kidding! I only pay HONEST GOOD WORKING people. Not liars

Although it must be nice to get paid solely to be a jerk....Although that's one job I don't think I'd ever take!

hello

i had a called about the same thing that everyone went through. my call came in on tuesday afternoon from a rene ward with ellis crosby and associates. i had returned the call then she transferred me to another person. his name was mr. greenberg the director. he asked me when i could pay off the two balances i had and gave me until 11:00am the next morning. then on wednesday, he called and asked why i did not make the payment to them. i told him i had spoken to rene and she allowed me more time until friday. so today she had left me a message on my cell phone and work phone. after reading all the experiences had, i am going to talk to a lawyer about this. i would like to see proof of the transactions against me and see how did the original balance accumulate to this higher balance owed. i feel it is unfair for everyone to go through this. i felt scared when i got the call but after reading the forum, i am not alone in this.

they are a damn joke, now has any one out there gotten arrested from the charges they are stating?

There is no debt prison if the payments are in defaults.