Can a Collections Agency do this ?

Date: Fri, 11/02/2007 - 07:17

Submitted by anonymous
on Fri, 11/02/2007 - 07:17

Posts: 202330 Credits: [Donate]

Total Replies: 4

I am livid. G. I e-mailed them explaining that he would pay the following month. Even with that they charged over $100 in misc fees! Well I went on their website & he owed a total of $144 by 11/16/07. I was able to pay online with a future due date. I paid $75 to be deducted on 11/9 & $75 on 11/16. Well I got the nastiest collection person, threatening me & demanding I pay today. I explained no ! Check your website & see that I made payment arrangements. Well they then quoted me a call log that on 10/23 they called my house spoke to my son Gabriel (they asked his name) He is 4 YEARS old & asked him if my husband lived there & where his daddy was & to tell him to call them about a bill he hasn't paid !?!?! I called back & raised hell ! Is this legal forget about ethical ? Is there anywhere I can file a complaint ? To top it off my son is disabled. These people are just the scum of the earth. & even after I made the payment arrangements on their website they wanted me to pay now & give them my credit card info which I said NO since I've already did that online & they said well too bad we'll call everyday until the payments are posted.

I don't know if it's legal but it sure is just wrong. I'm sure

I don't know if it's legal but it sure is just wrong.
I'm sure someone can advise you.
I'm so sorry that people like this think they can treat people with such little respect.

lrhall41

Submitted by mommontoya on Fri, 11/02/2007 - 07:25

( Posts: 501 | Credits: )

This sounds like inhouse collections to me and therefore no fdcp

This sounds like inhouse collections to me and therefore no fdcpa would apply. I think it is low but you would have to search state laws to see if they violated any.

lrhall41

Submitted by cajunbulldog on Fri, 11/02/2007 - 07:32

( Posts: 4850 | Credits: )

Can you call them and ask to talk to a manager in the Collection

Can you call them and ask to talk to a manager in the Collections Department. Tell them what happened and the name of the person you talked to. Tell them that you have made arrangements for payment and plan to catch up. I am not an expert but sometimes you just need to talk to someone else.

But I would calm down first

lrhall41

Submitted by mommontoya on Fri, 11/02/2007 - 07:55

( Posts: 501 | Credits: )

First Bank of Delaware 1000 Rocky Run Parkway Wilmington, DE 1

First Bank of Delaware
1000 Rocky Run Parkway
Wilmington, DE 19803 Alonzo J. Primus
Chairman, President & Chief Executive Officer Telephone: (302) 529-5984

This is the bank that backs your credit card.You can do a online complaint at either bbb.org or planetfeedback.com and once submitted the bank should get in touch with you.

lrhall41

Submitted by cajunbulldog on Fri, 11/02/2007 - 08:07

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