ftc complaint?
Date: Wed, 07/22/2009 - 13:52
Has anyone here had to file a complaint with the FTC? Will they follow up with you? Heres my beef:
I have a small loan with credit central, which has a local office for payment. When i signed up with T+C, they got an agreement in writing from credit central to accept payment from them and not contact me anymore. However, when the time came to send my money in to T+C, one of the payday loan check companies had drained my bank account ( idid stop payment on the check, but they sent it through electronically three times for lesser amounts and got their money anyway) anywho..needeless to say, t+c didnt get their money, so credit central did not get theirs. The manager, named mallory, called and informed me that if i pay the 18 dollar late fee, the will hold my account until t+c pays. fine. i went in their the following monday and paid the 18. two days later, the same woman called me and said that i would have to come make the full monthly payment by the end of the month. fine. i told her that i would be in that friday (2 days away) and she kept talking about how i needed to go there and bring my account current and blah blah blah. I was at the doctor and told her if she really wanted to keep discussing how i would be in their on friday i would call her back when i got out. she said ok. I didnt get out until after they closed but i didnt think to much of it since i had talked to her that day. The next day, she called me back and asked what was i planning to do about my account, and why didnt i call her back. i told her that i would be in their on friday as promised and i didnt call her cuz they were closed. she said ok. next day, friday morning, im in the shower and away from my phone for 15 minutes, this chick leaves me 2 voicemails, calls my employer (my boss is ok with it, but still) my sister(who was NOT on my reference sheet,we dont even have the same last name so i dont know how she found her #) and 3 of my friends looking for me. I wlked in their,determined to be the lady that my mama raised me to be and make my payment. an employee came up and pulled up my account and asked how much i would be paying, and mallory(the same woman who keeps calling) says very loudly from the back of the office "she has to make the whole payment, shes a week late!" needless to say, i was embarrassed and angry. i dont know what this womans problem is with me. i dont know if she has no friends to talk to and therefore spends her days dialing whatever numbers she can get her hands on or what, but i made the payment,smiling at the girl working behind the desk(who looked just about as mortified as i felt as was more professianal than there MANAGER for cryin out loud) and left. Is this grounds to file a ftc complaint? i thought once you talked to them and promised to come in they could not call your employer or references or even keep calling you until you dont come in on the promised date...i dont know..help...thanx for reading this if you made it all the way through. *side note:i have retained a bk attorney, so that will probably bring a whole new adventure with this woman.
I have a small loan with credit central, which has a local office for payment. When i signed up with T+C, they got an agreement in writing from credit central to accept payment from them and not contact me anymore. However, when the time came to send my money in to T+C, one of the payday loan check companies had drained my bank account ( idid stop payment on the check, but they sent it through electronically three times for lesser amounts and got their money anyway) anywho..needeless to say, t+c didnt get their money, so credit central did not get theirs. The manager, named mallory, called and informed me that if i pay the 18 dollar late fee, the will hold my account until t+c pays. fine. i went in their the following monday and paid the 18. two days later, the same woman called me and said that i would have to come make the full monthly payment by the end of the month. fine. i told her that i would be in that friday (2 days away) and she kept talking about how i needed to go there and bring my account current and blah blah blah. I was at the doctor and told her if she really wanted to keep discussing how i would be in their on friday i would call her back when i got out. she said ok. I didnt get out until after they closed but i didnt think to much of it since i had talked to her that day. The next day, she called me back and asked what was i planning to do about my account, and why didnt i call her back. i told her that i would be in their on friday as promised and i didnt call her cuz they were closed. she said ok. next day, friday morning, im in the shower and away from my phone for 15 minutes, this chick leaves me 2 voicemails, calls my employer (my boss is ok with it, but still) my sister(who was NOT on my reference sheet,we dont even have the same last name so i dont know how she found her #) and 3 of my friends looking for me. I wlked in their,determined to be the lady that my mama raised me to be and make my payment. an employee came up and pulled up my account and asked how much i would be paying, and mallory(the same woman who keeps calling) says very loudly from the back of the office "she has to make the whole payment, shes a week late!" needless to say, i was embarrassed and angry. i dont know what this womans problem is with me. i dont know if she has no friends to talk to and therefore spends her days dialing whatever numbers she can get her hands on or what, but i made the payment,smiling at the girl working behind the desk(who looked just about as mortified as i felt as was more professianal than there MANAGER for cryin out loud) and left. Is this grounds to file a ftc complaint? i thought once you talked to them and promised to come in they could not call your employer or references or even keep calling you until you dont come in on the promised date...i dont know..help...thanx for reading this if you made it all the way through. *side note:i have retained a bk attorney, so that will probably bring a whole new adventure with this woman.
I have filed a few complaints with the FTC, I've never heard any
I have filed a few complaints with the FTC, I've never heard anything from them. Maybe someone else will come along and have so advise to give you. I applaud you, you handled that a lot better than I would have, and like a lady. I have a bad streak in me I guess, I probably would have turned around and walked out the door and not paid. Knowing that it would only hurt me in the long run. anyway, might check with BBB.
