Help!!! PDL are killing me....

I just did a search on my email account for icollect this is what I found.

Dear (name removed for your safety. cannr)
We show the following account(s) have been sent to collections:
Your account with MW Marketing Corp LLC was sent to AIS Services, 888-920-1300


Thank you,
ICollect

So I guess AIS is the collection agency.

Good research.....

Ok..here is what I would do. Send a request for debt validation on the pdl to AIS. Here is a letter from the fourm you can use and change the information in to reflect your needs.

http://www.debtconsolidationcare.com/forums/about216.html

This letter has everything you need in it including no contact. Here is the contact info for AIS

AIS Services, LLC
50 California St, Suite 1500
San Francisco, CA 94111

email: info(at)aisservicesllc.com
Phone (888) 920-1300
Fax (415) 651-9333

I faxed and sent my letter to the CA certified return receipt.

I should send this even though they have never contacted me about this account or my other account (magnum z)? Also this will not help with the refund correct I have to go through the company for that right?

If you want to wait until they contact you that is ok. I would get the letter ready for when they do. NO this will not help with a refund...unfortuately.

Do you know which law she was referring to about not giving me any information or was she making it up? I will just keep on the company to get a refund.

mjm, my bank is Charterone also. The manager refused to freeze my account and if I close it it could be reopened by ACH debit. I called customer service and they told me to go to another branch. I did and the manager there accommodated me. They only put it on credit only status. I explained to bank that I have filed complaints with Ohio AG office regarding illegal pdl. That was sufficient as far as seeing an attorney I guess. As soon as I get out of the mess I am in it will be goodbye Charterone. I contacted the federal agency to file a complaint against manager. I received the form but have not sent it in since the other bank manager helped me out. I don't know why the first manager wouldn't. I am almost through with all of this.

bjpetersen2...the manager at the bank had no clue what to do. Then they were saying they could not freeze the account for more then ten days. (that is what their customer service 1-800 people said) I figured being the manager they would know what they were doing and not have to call customer service. Then somebody else at the bank talked to customer service and they said that it would stay on a freeze until they took it off but the bank (my branch) did not put it on a hold all funds until I went in again because more money came out. I filled out all of the forms and they gave all the money back to me then they took it all back except $366 which I am told I can not take out. I still have yet to receive any information on why they are saying it is not fraud. Still trying to get a hold of them. I am going to try to go to another branch but there are only two in my area. I even closed my saving account with them and I still am getting statements so they obviously did not even do that right. I just don't understand how they can have a manager that just does not know what to do. I will be filling a complaint with the OCC and my AG so it can be investigated. They should have found that these amounts should not have been taken out even if I did sign something because it is ILLEGAL in Ohio for them to continue to take out the amounts they are taking.

This is how incompentant my bank is. I got letters on Saturday from them now saying that they could not refund the money because I requested it after it had posted. Ummmm how you dispute something if it has not posted to your account. Also I got three letters stating they concluded their investigation and they concluded that it was valid and I have been refunded for those three ($366). Then I got letters today Monday that the letter was dated March 22, 2008 but it was post marked saying April 11, 2008 stating they had deposited money into my account.

So just to clarify this.....They credited my account the money. They sent me one letter about 4 weeks ago stating they had credited my account $170.00. That was just one credit that they gave me. I never got anything else on the $2000 more that was credited to me. Then I got letters Saturday stating the investigation was concluded. They found 3 to be valid and said the other 12 to not be valid. Then today I got letters dated March 22 post marked April 11 and they stated that they had deposited the money into my account. This brings me to a few questions.

One... why did I never get any letters from them except one stating that I had been credited. Two... Shouldn't I have gotten the letters FIRST stating it was credited to my account and then the letters about the investigation? Third...how can you find one debit from the same company not be valid but not the rest?

These are really not questions for the forum just pointing out that bank really does not know what they are doing. I will be taking out the $366 that they said is permanently credited to my account and then I am calling them on the rest of them and reporting them to the OCC.

mjm, have you tried contacting the corporate office of your bank? When my bank tried to play head games with me, I went to corporate. Voila'. Worked wonders for me! Every debit was reversed off and all bank fees were removed. They were awesome at the corporate office.

These letters were from their DDA office which I thought was corporate. Maybe it is not and I will be able to get somewhere with them. I will try it. I really just wanted to point out that they are obviously making mistakes and it is driving me insane!!!

Thank!

mj, I'll tell you what I did. It might make a difference, it might not. I contacted the president of the bank. I first wrote a complaint letter explaining everything that was going on. Then they called me and asked me what was up. So, I told them over the telephone. They said they would "try" to help me - didn't make any promises, but as I posted above, everything was fixed in maybe a little over a week (?). First each debit was reversed off, then a few days later, all the bank fees were removed. So, it might pay off to contact the president. Hell, I wrote the letter and addressed it to corporate with "attention: president" and then underneath that in big bold letters I put "complaint". It grabbed their attention.

Cannr...thanks for the help. If they reversed the debits and fees does that mean you got all of your money back?

Cannr...forgot to ask...do you have a sample letter of what you sent to them. I am going to try to go today to take out the money that they say I have been credited. We will see if they let me take it out.

mj, I got every friggin dime back. Everything. I don't have the letter that I sent to the president of the bank. I'm sorry! I just basically told all the facts that happened and I stressed that this was not an "error on my part" but an "error on the banks part". I told them about all the miscommunication, what was said and done, etc. Then I emailed the branch manager of my bank and told her that I was in contact with the corporate office and working with them. I think she freaked out. So, between the corporate office and the branch manager, it was taken care of pretty quickly. Just write to the friggin president of the corporate office. You'll probably get a phone call. And if you do, make sure you let your branch manager know what you're doing. They'll know that their a$$ will be in a sling for screwing around so much, so they'll do whatever they have to to help you. At least, it worked in my case. Hell, don't be afraid to go to the top! Sometimes it takes being a hard a$$ to get results. I wish I kept a copy of the letter I sent to the bank president (it was two pages long), but alas, I didn't.

cannr....ok I am going to write a letter. Can I ask a few things first so I know if it is appropriate to put in the letter.

I will assume it is ok so here goes.....

Should I put in there that these are illegal and put the state laws?

What was the error on their part? For me it was not an error on their part because I did not know what to do with them taking all the money out and that they were illegal.

Did you just get your fees from one time or the amount that you overpaid for a period of time?

I do plan on telling him how many times I have gone in, what was done, the letters, and the amounts that should be refunded to me.

Is there anything else I should put in there? Any suggestions would help.

Thanks!

One more thing....Can I report my bank not just to the OCC but the BBB and the AG also?

mj, I believe you can report your bank to any agency you wish. It is a business afterall.

mj, I'm going to take these one at a time:

Quote:

I just got off the phone with the AG office in Ohio because I had filed complaints and wanted a refund for the $ I overpaid and they said they are not illegal. They said that these companies do not operated in Ohio so there is nothing they can do. I stated the laws of Ohio which I had received from here and was told that they would have to look into that but did not think it would help. They can lend out of their state and they can regulate them. I asked about the money being put into my account and that was were it ened in OHIO and she did not think that it mattered.

I don't know where to go from now. I have filed my complaints and they are not helping me. She did not even seem to know the laws. I asked if I was interpeting them wrong and she did not have an answer for me. I am now getting collection calls for some of them. The collection agency is not leaving messages so I don't know exactly which ones they are calling for. I just don't understand why I am not getting help from these places. The bank and AG have been nothing but trouble. Am I just doing something wrong??

Mj, I am so sorry things are so difficult for you. I do not think you are doing anything wrong. Are the pdls still debiting your account? As for the collection calls, Do you know which CA's are calling? If you can provide the name sometimes certain CA's collect for certain companies. Also, I have a letter I used for my CA's if you want it. I was in the same situation, not knowing who they were collecting for but the letter worked.

It is AIS that is calling. And I don't know if they are still debiting my account because there is still a freeze on it but that will be lifted soon. A letter would be great if you can paste is here.


I just got an email from the AG office.
It is signed Marc Dunn but it was from Bonnie is is the case rep.

May 2, 2008


MJM


Re: Three B Financial, Complaint #:
Magnum Z LLC, Complaint #:
EDollarsDirect, Complaint #:
EZLoans by Net, Complaint #:

Dear Mr./Ms. MJM:

Thank you for filing your complaint with the Attorney General????????s Consumer Protection Section. We strive to help keep the marketplace safe for consumers through mediation and education. I am the mediator assigned to personally handle your complaint. Please feel free to call me with any questions or concerns you may have throughout this process.

Let me explain the mediation service we offer. First, we have already sent a copy of your complaint to the supplier along with a letter citing any possible violations of the Consumer Sales Practices Act. We have requested that the company respond promptly to the allegations in your complaint. Once we receive a response, mediation can begin.

If the supplier is in violation of a law within our jurisdiction, we will work with the supplier to resolve the problem. When the consumer and the supplier disagree, we work with both parties to reach a compromise. Mediation often requires that both parties compromise to reach a resolution. Without this cooperation, mediation may not resolve the problem. If this occurs, you may need to consult an attorney to protect your interests.

While the Attorney General????????s office can and does prosecute businesses that violate Ohio????????s consumer laws, unfortunately, we do not have the staff or the resources to prosecute on behalf of the tens of thousands of complaints we receive annually. The court systems are better designed and equipped to handle that volume.

Fortunately, we do resolve many complaints favorably through mediation. We save or recover millions of dollars for consumers every year. The Attorney General realizes that you rely on the Consumer Protection Section to solve your problem; therefore, I will use my expertise to assist you as best I can. We also realize how frustrating and devastating these situations can be, so we hope we can provide you with some relief.

Our next step will depend on how the supplier responds. If the supplier contacts you directly, please contact me so we can discuss the response. If we are contacted first, I will notify you of the supplier????????s response.

Once again, I would be happy to answer any questions you may have, so please feel free to contact me. I look forward to working with you.

Very truly yours,

MARC DANN
Attorney General

sky here...

I too 'had' a loan with edollarsdirect. Paid $960 on a $300 principle and they are wanting to collect $300 more. I recd an email from ICollect that my 'account' was being turned over to AIS. Icollect apparently is a broker for edollarsdirect..meaning edollarsdirect contacts Icollect to find a collection agency to either buy the outstanding 'loan' or to service the collection of the outstanding loan. Icollect, nor AIS should be able to debit your personal account because edollarsdirect cannot, by law, provide them with your personal account information....
I wonder if these pdls have ever heard of mental anguish/emotion distress...a very suit friendly personal injury.

Hmmm.... That is confusing...She tells you one thing and the letter said another. Form Letter maybe? Hang back and see what happens for a little bit. Then if no action is taken, contact her supervisor.


Here is the address I found on the site for AIS.

AIS Services, LLC
50 California St, Suite 1500
San Francisco, CA 94111

email: info(at)aisservicesllc.com
Phone (888) 920-1300
Fax (415) 651-9333


MJ, I spoke too soon, I left my USB drive at home. this is one I found on the site and you can change the information to reflect your situation.

http://www.debtconsolidationcare.com/forums/about216.html


I also added this just before the last paragraph...

Please note the debt you are attempting to collect is for an unlicensed and illegal company. I have forwarded information regarding this company to the (your state) Attorney General and the Federal Trade Commission. I will also be forwarding a copy of this letter for their records as well.

[/quote]

Thanks Roxy...I can still send this to them even though I do not know exactly which ones they are collecting for.?

I would not suggest this to be done regularly however, I did becuase I did not want to call the CA and have a confrontation with the CA. The messages were bad enough. So I understand your hesitation to call and findout who they are collecting for. I just sent the letter and ensured my ssn was on there (they already have it anyway) so they knew how to figure out who I was. I can not remember which CA it was and my stuff is at home but, I sent them a letter without referencing which company they were collecting for. At the time I was still dealing with five pdls. Sky posted above that AIS is one agency that works with edollars...which you have so that may be it. (thanks Sky.) Be sure to send your letter certified return receipt. If you need anything else, just post.

Just got these two emails. (Plus one from BBB that is on the other thread)

This is the first email received from you. We are a processing center, not the loan company you obtained your loan from. I will request all collection attempts on your account be stopped. I will also request your account be marked paid in full. That is the most that I am authorized to do, by your loan company. If you have any questions, feel free to call me at the number below. Dennis
Debt Doctor
Phone 1-888-276-4189 ext. 100
fax 1-866-813-6029
[email]dbest@debtdoctor.biz[/email]


and


WITHDRAWAL NOTICE
--------------------------------------------------------------------------------

Date: 5/2/2008
Account Information: Your account with Debt Doctor that was sent to AIS Services has been removed and no further collection action will be taken.


Pretty funny this happened after I responded to the BBB and the AG said they were going to contact the people. He spammed me from sending emails to customer [email]service@debtdoctors.biz[/email] but not his email so I sent an email back saying I wanted the number to the company he said the loan is through so I can get my refund. I doubt he will answer but we will see.

Spoke to soon...he emailed me this.

Magnum Z LLC
Edith Solomon Building
P.O. Box 636Charlestown, Nevis
West Indies
Telephone: 869-469-0224Fax: 869-469-8060

If they are in the West Indies how do they have a phone number in the states?

sky here...

ok folks, I found that in 2006 the NV State Financial Institutions Division issued a cease and desist order against MW Marketing dba Freedom Financial Group and EDOLLARSDIRECT.com to stop loan and check cashing activities immediately. C&D order says the company has been operating w/o a license. I checked the NV Sec of State's website and I do not find a valid license for either of the 3 companies.

You can go to www.fid.state.nv.us and look under 2006 press releases tab for the c&d order. I do not find anywhere a revocation of the C&D order! So do ya think edollarsdirect is in serious violation of their own state laws (since they claim to be doing business in NV)? Me too.

I'm filing a complaint with NV AG's office and I'm making sure a copy of the press release is attached.
I'll also have many copies for the collection agencies when, or if, they call. MJM I suggest

Dennis emailed again and said my account was paid in full and that magnum did not have an email address.

How can they lend if they are out of the states? And does this mean that I can get my money from the bank since they are illegal being out of state and all?

Sorry...I meant to say I did not find where the C&D order had been withdrawn. I have the term 'revocation' on the brain.

MJM..edollarsdirect told me they are out of West Indies Bahamas too...

Edollarsdirect had not told me they are out of the bahamas as far as I know they are in delaware or nevada I forget which. I have not hear anything on my complaints other then I had to call them to get it taken care of and they would not respond to my emails.

This company that the address was for MAGNUM Z aka Debt Doctors.

Roxyny or cannr.....do you think I will be able to get my money back from the bank since this was overseas. Also I have not gotten anywhere yet with the bank as far as them saying some are illegal and others are not.

Roxyny or cannr are you guys around. I asked a couple of questions but have been unable to get anyone to answer them. Can you help???

Can anybody answer the question about the illegal out of the states company?

Here are the questions I posted that I needed answered.

How can they lend if they are out of the states? And does this mean that I can get my money from the bank since they are illegal being out of state and all?
Thank you!

Mj, Sorry, had a busy weekend. There are quite a few companies that are out of the company and lend in the US. I would try very hard to get my money back from the bank. I would show them proof they are not licensed or legal in your sate and show the bank your state laws and all your bbb information. Hopefully they will help you. Did you ever file a complaint against your bank?