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so called-dumb inexperienced people who dispute?

Date: Wed, 09/12/2007 - 00:54

Submitted by HANKYSPANKY42
on Wed, 09/12/2007 - 00:54

Posts: 196 Credits: [Donate]

Total Replies: 13


Okay--- consider yourself a dumb (when it comes to debt collections person as I am)--someone who has worked hard all of my adult (16 years on) life (30 yrs plus --no spring chicken here!) --always paid my bills-- and considered myself fortunate to have been able to do so--and has never been contacted by a CA--so lo and behold-- one day they call yelling and screaming insults and I say "I am not familiar with the company you are attempting to collect this debt for--I always pay all of my bills"--you ask them to mail you something in writing because you assume identity fraud--now--prior to this phone call-you have already filed fraud complaints with your bank and the Ftc against a Different named company for a $600 lesser amount for electronic fund transfers from your bank account that you didn't make or authorize- and even though it is a common connection--you know you don't owe whatever amount that whoever is attempting to extort from you--so you wait for this letter to arrive from company who called screaming and yelling at you and it doesn't arrive --then the company calls you back a month later and tells you that you need to file a police report and send it to them--you say "I will do whatever is necessary as soon as I receive something in writing from your company "--The CA states that they have mailed you something twice already and tells you quote "you need to be careful because someone must be stealing mail out of your mailbox" in past year -- you have received packages from EBay (1,500+) purchases on a daily basis-and 7 different prescriptions monthly for pain meds that have high resell value--etc--that has been left in your box for several years but has never ended up missing--but the ONE thing that was somehow stolen and according to them -- missing was correspondence from them? Finally you then get suspicious of this companies tactics and think they are still targeting in on you the wrong person and feel (instead of thinking disbelief) you need to start fighting back because they are NOT treating you right-- and won't admit mistake but you can't believe that they can actually be treating you in this matter and obviously breaking some sort of laws --you then send them a certified letter saying you can't believe they haven't mailed you anything (and you still totally dispute debt for on-line gambling that they admitted they were attempting to collect in first contact even after unlawful online gambling debt law was passed that you had heard about with processors being arrested put out of business etc) --then another month later you get another call from company and they accuse you of being uncooperative and state that you haven't done what they asked so you MUST be guilty of what they accuse you of owing --you FINALLY start searching on-line sites because you know something not right is being allowed to happen even though you still have great credit and have paid every bill and obligation that you have ever made --finally --you realize even though no one from this company told you about your right to dispute--instead spent their time screaming about prosecution--you need to send debt validation letter-- certified with proof of signature --once again even though you have protested and disputed the debt owed from the very first contact--and even after a signed receipt of your dispute--two months later the CA still sends you 2 letters one month after signed receipt of dispute--demanding payment by a certain date? Fake letterhead stating "This is the information you requested" NOT!!!!! How can these companies continue to stay in business? "Sue them because they have violated the fdcpa?" yah-= when I have an evil twin who can go to court and take care of all of that so I can be compensated for the way they have wrongly treated me-- while I still have to live my life and all of my obligations! These creeps have way too much power--and it needs to be stopped! But WHAT exactly plays into effect as far as time frame and your dispute when they don't tell you of right to dispute and don't acknowledge your dispute until they are forced to? I received two "nixie" undeliverable letters back in this process because they know they can refuse a simple certified letter--I didn't know the Post office attempted delivery on these two letters a total of 6 times!!!! but upon return have proof of it!--They know how to get around the laws but just because the average American is not familiar with laws and how CA's do everything they can to get around them--does not mean they should be at fault!!!! Of course I have documented everything--but you know what? It shouldn't have happened in first place!!!! Why does it keep happening? Even small business have to answer to someone regulating the laws ---come on Why can they still conduct their business in this manner?


Hi.....OMG!! What a story. First things first...take a DEEP breath. I experienced a FEW CA's doing this..saying, " they have sent out letters, but, I have never recieved them." Can you talk to a lawyer? You said you can talk to your bank...providing they are OR are about to take money from your account? Can you explain to your bank what is going on? Can you tell me a bit more? From what I'm understanding, about your post, this debt is some kind of 'on-line gambling' thing......please correct me if I'm wrong. Tell ya what....please tell me what state you live in. And you're saying this debt DOESN'T belong to you? Can you please inform me of these questions? Thanks. I'll help you the best way I can. I know there are SEVERAL other people, on this Forum, that know the laws ALOT better than I do, and can 'lead you in the right direction'. Hang in there!


lrhall41

Submitted by sdchargers_63 on Wed, 09/12/2007 - 01:25

( Posts: 1798 | Credits: )


By the way....NOBODY is "dumb".........you've come to the right place, for advice and help.8)


lrhall41

Submitted by sdchargers_63 on Wed, 09/12/2007 - 01:27

( Posts: 1798 | Credits: )


Unfortunately this is going to take a bit of work on your part. They will not sue you because the loan is illegal if it has to do with online gambling and it is not yours. You will have a very difficult time suing them because they are probably located off shore. I suspect someone stole your bank account info to pay these guys and then you of course stopped the payment. A majority of identity theft is committed by someone you know so keep a close eye on those you come in contact with.

The first thing you need to do is check all 3 credit reporting agencies. You can get a free copy from each once a year from one website on the net. Search this site for its address since I can not remember which it is. Look for any other suspicious activity. If the gambling site is not on any of them and your reports are clean then you are home free. If the gambling site is the only one you are in good shape. If there is a bunch of bad items then your work will be more difficult.

If your report is clean you can ignore the letters and calls. They will not sue you because the loan is illegal if it has to do with online gambling and it is not yours. You will have a very difficult time suing them because they are probably located off shore. File a police fraud report. File complaints with the following and any others you can think of: FTC, FCC, BBB, your state AG and their state AG if any, your states office of finance and theirs if any, FBI and CIA since it has to do with gambling and breaking federal law.

If the gambling site is the only one on your report file all complaints as listed above. Then dispute the line item with each agency with all the reports attached. Also send a copy to the company.

If there is a bunch of items then you need to file a police report with all items listed. File complaints to all the above agencies about the gambling site. File fraud disputes with each credit agency. File a 7 year fraud alert with each of the 3 C????????s. This should be free if you provide a police report. File a security freeze with each of the 3 C????????s which should also be free. The security freeze stays on until you request in writing to remove it. Dispute each suspect item with each of the 3 C????????s. The start filing with each of the companies in suspect with all documents attached to delete the items from your credit report. It is a lot of work and will take months to get everything cleaned up.


lrhall41

Submitted by DOLLARSandSINCE on Wed, 09/12/2007 - 06:01

( Posts: 1078 | Credits: )


Way to go, dollars! Once again, very informative post! From your #1 fan! :wink:


lrhall41

Submitted by cannr on Wed, 09/12/2007 - 08:50

( Posts: 9317 | Credits: )


WOW!!!! Good advice here. Sorry..it took a bit longer to 'get back' to this post. Told ya people, on this forum, would help ya!!


lrhall41

Submitted by sdchargers_63 on Wed, 09/12/2007 - 17:36

( Posts: 1798 | Credits: )


I want thank you all for the quick response and the very good information you were so kind to offer-I have checked my credit report and it still looks good but I am wondering if it is too soon to check it since it has only been a few months since proof of signed receipt of my dispute I've done many of the things that dollars has advised already and will be following up with the other agencies I neglected to contact--I found the FTC to be very helpful with their e-mail responses and information they mailed me--I hadn't thought of contacting the FBI but it makes sense since they are one's arresting the payment processors--I didn't mention the CA's name didn't want to turn this into a CA bashing forum-- because maybe I dealt with a couple of their worst employees --and the debt they were trying to collect was probably a big challenge--I'm thinking okay--try collecting debt from something legal that someone hasn't paid simply because they were unable to and is trying to make ends meet and keep a roof over their head --next try collecting on-line gambling debt that someone really made but refuses to pay because debt is said to be legally uncollectable--next my case where it was on-line gambling debt that I didn't make--and I guess they weren't exactly bending over backwards to treat me with any type of respect or consideration--maybe the only way they ever collect on this type of debt is by being rude and threatening-- but I have seen some bad mention of them in other posts and they do seem to be the main collection agency for online gambling here in the US --they are from Ohio and I am from Ca.--I haven't heard anything from them since they sent me this "bill type of statement" and said to remit payment to a company I have never heard of--completely different name than company who processed money out of my bank account and were only charges I disputed with bank --so maybe debt had already been sold once before they attempted collection and added more money to amount I disputed with my bank --I am still not sure because I haven't received any type of statement with actual transactions on it-my last correspondence with them-- I just stuck a copy of the statement in their statement return envelope (that I knew they would open because there might be a payment inside!) with another letter telling them I was forwarding their latest contact to the ftc and state attorney general because they were still breaking the law and not providing debt validation--the thing that gets me is that from what I have seen on subject -once the debt gets resold again and again-it seems as though the character of people you deal with gets worse and worse-and I am still in shock that these people seem to have the power to get away with this time and time again and anyone who faces their wrath-ends up with a lot of work to do to straighten out what I have ended up feeling is a form of extortion that is somehow legal because these companies have a set of rules they are supposed to abide by!


lrhall41

Submitted by on Thu, 09/13/2007 - 20:09

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hi sorry am still new to posting but above guest was me--thought I had logged in correctly--thanks again to all! also hope it didn't sound like I was defending CA actions--I just always look for good in people and try to find excuses for why they have done something wrong but this Ca reminds me of bullies back in grade school who try to get good things out of your lunch box--until you fight back and say "Hey those are my twinkies--you can't have them!" they will keep stealing those bad boys and eating them up in front of your eyes as long as you allow it to happen!--I know this is a goofy correlation-but this collection agency acted like a bunch of threatening thugs--and until people learn how to fight back--they will continue to act this way--maybe because their parents never taught them how to act or maybe they have no morals but stricter laws should be enacted to prevent them from acting in this manner! I won't be on this site for awhile because my mother is having another surgery but once again thank you all for all of your kind advice and I am sure you will continue offering support to others :wink:


lrhall41

Submitted by HANKYSPANKY42 on Thu, 09/13/2007 - 20:14

( Posts: 196 | Credits: )


If your credit report is clean other than this $600 disputed bill and the rest of the items are yours I really would not worry about it to much. One delinquent $600 bill that is in dispute by you is probably not going to be a deciding factor in future loans you may apply for. I would still work through the channels to get it removed but don????????t worry about them suing or anything.


lrhall41

Submitted by DOLLARSandSINCE on Fri, 09/14/2007 - 11:48

( Posts: 1078 | Credits: )


Hi-- my mom's surgery got postponed because of her overall health-- so have been back tonight checking out my NOW MOST FAVORITE site!! Thanks again to all you nice people!!!---Dollars--you have been sooo helpful--but it wasn't $600--okay ? what happened --long story --not short- my husband and I got back from a fishing weekend and on a Sunday eve--I went on-line into my banking account--WASHINGTON MUTUAL-- to manage account and noticed a $200 charge from someone called "click2pay"-- and immediately called fraud on my account and the call was obviously outsourced overseas and I was told that nothing could be done other than an alert could be noted -and I would have to go into bank on Monday to close compromised account ----I was dumbfounded -- saying quote"Fraud never happens on the weekend?!! Is this why you can't do anything right now to close account or prevent additional fraud because something happened on Sunday?!!!" So I WAS eventually somehow pacified and went to bank first thing in morning the next day knowing that account had obviously been compromised --tried to close it out but bank employee convinced me to leave it open after transferring all money except $1--and he had put alerts to not process anything due to fraud--this he assured me was the best thing to do so that I could get my $200 back--and said there was NO WAY that any more activity would be allowed on this account--to wait 5-7 days and when the $200 got refunded to close account--Okay--so I check online a week later and see that Click2pay transactions for an additional $1000. have been processed from this account!!!( my overdraft that I have never used has allowed these charges to go through)WHAT?!!!--I go to bank the next morning--the excuse is that the ACH dept. didn't get the fraud alert in time so I have to AGAIN dispute all the additional charges- and don't worry--they will refund all over draft charges etc--after waiting for bank to make good on promises--3 weeks later I receive a letter from them saying my account is in arrears and I BETTER fix it before they report negative things to credit reporting agencies etc-- because it has been more than $1000 overdrawn for too long of a period--I once again go into bank and am finally MAD and not gonna take it anymore about the total negligence this bank has shown me regarding identity theft--they tell me that one of the transaction disputes I filed was lost and resend this via email to the ACH dept--and I finally get out of the neg balance and am finally done with this institution except for a small savings account still open--then over a month later Joseph mann and creed contacted me (Never heard a word from processor Click2pay)--the first employee stated that the NOW $1800 in collections was for click2pay internet gambling--the second employee who contacted me said that I must be mistaken that Click2pay has nothing to do with this etc. etc. they have lied and never sent any type of validation whatsoever--it isn't $600 dollars and since--it is $1800 that I DIDN'T make --and it was a $1200 dispute from a company called click2pay that I disputed with my bank but someone is trying to collect $1800!!!but JMC has refused to provide any type of debt validation whatsoever-go figure! With the way the economy is--I don't plan on buying or financing much in the next 7 years--even if my credit takes this hit it will still be good--but this jmc company and their tactics need to be protested with ftc and state attorney general every time they try to to the same thing to you--just remember you are not alone--there are people on this site who will help you and offer their support--My hope is that you find this site before you are coerced into their demands! :wink: :wink:


lrhall41

Submitted by on Mon, 09/17/2007 - 01:13

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I feel your frustration when it comes to dealing with banks. I swear they screw up on purpose just to try to screw us customers out of money and make our lives difficult. It appears that this is the only fraudulent entry against your credit and your bank though so at least you only have to deal with the one. I think there are a bunch of post on here dealing with click2pay and Joesph Mann. I think if you file your complaints and disputes it will hopefully work out ok.


lrhall41

Submitted by DOLLARSandSINCE on Mon, 09/17/2007 - 06:44

( Posts: 1078 | Credits: )