First Credit of America

They are out of Chicago, Illinois. They have been in legal trouble several times. They were Avalon Technologies til they got caught. Please call the Attorney General in Illinois and file a complaint against them. They are one of the rudest agencies out there. The Attorney General in Illnois is Lisa Managan.

Not just rude, but a bunch of lying money-grubbing swines.

they have been calling ne saying i owe a bill from 2000 and they wont give me any proof

eric c,

register on this site, and perhaps someone can give you more assistance!

Terry,

DO NOT SEND THEM A DIME!!! Make them validate the debt. I have dealt with them personally and they are nothing more than junk debt buyers. They use to collect under the name of Avylon Technologies until they were severally fined and shut down for numerous fdcpa violations. So now they are operating under First Credit of America and are under close watch of Lisa Mandgan AG of Illinois. They think nothing about calling a person and threatening them with sending information to the legal department. Stand firm with them and let them know you are not going to play their game. These idiots actually had the gull to call a police officer a liar over the phone. I just thank god I contacted the police while John Smith was on the phone. Or so he claimed his name was John Smith. Kind of like the officer stated, that sounded like a false name.

Tammy is right. FIrst Credit of America is the absolute worst of the worst and they are under no circumstances to be trusted. Hang up on them.

If memory serves me, this thread was much longer! Where did the rest of it go?

Maybe there are two threads of the same topic? That happens sometimes.

I also have been harassed by them for a loan that I paid off a year ago. Thank you for the information and I am also going to contact Lisa because they keep threatening me with legal stuff and that I know I still have a debt with Platinum B because I agreed to send them money. I did agree once I received validation that I still owed Platinum B. I contacted Platinum B and was told my account has been paid in full.

File your complaint with the Illinois AG and include all proof of debt paid in full that First Credit of America is claiming you owe. Include in the complaint all threats made and the names of the people that have contacted you that issued the threats.

Quote:

Why was money taken out of my checking account?

Terra,

Who took money out of your account?

They call me like 15 times a day. They don't even leave me a message anymore though. They were like we have contacted your payroll department.....still waiting for that to happen.

Tammy, this thread is about "First Credit of America" I think Terry did a search on Google for FCA and came to this page. That is the reason she is addressing her issue thinking this website to be FCA.

Terra, get in direct contact with First Credit of America at the following address

1st Credit of America LLC
300 N Elizabeth St
Suite 220B
Chicago, IL 60607
Telephone: (866) 505-2632

They called me like 15 times a day. Leaving messages on my answering machine that they have contacted my payroll department. Sorry charlie (and for the pun) but until a lawyer contacts my payroll department I just ignore them. But they tell me how much I owe on the answring machine too. That doesn't make me want to call them back either.

I have encountered the same problem, they just contacted me at work and I'm worried that they make this really embarrassing for me. I will contact the IL attorney general immediatley. Thanks so much for expressing your same problems this helps save me money that I might have sent them.

Thanks for the info, all. I've just started getting calls from them and it's very annoying. I have no idea what they want or what debt it is they may be trying to collect on. I don't answer my phone in general - I have caller i.d. - but their number shows up at least once per day. Pretty persistent people, huh? But I just overheard a recorded convesation. Apparently the dude calling me probably is connected by a telephone or computer system that actually dials. So he was being recorded by my voice mail system and I heard all about him talking to a co-worker and saying all sorts of stuff. I'm tempted to call them back and let them listen to how unprofessional that was. I'm still laughing at the fact he didn't know he was being recorded and it took him several minutes to realize why he wasn't being connected to a live person. LOL

My suggestion is to DOCUMENT everything. get the names (even so-called names) they use when they call. advise them you are recording the call AND do it. note each & every call. Here are all the numbers I have been able to track down for them: 800-293-1486; 312-604-3701; 866-505-2632 & 800-852-9465. The key to making your claims stick is to have documentation about their actions.

These people have been calling me for a year.
They insist that I'm someone else. Well they've shared enough info about this other with me such that I know, if he exists at all, that he lives in the middle of what is a forest and his city has moved a few miles to another town by the zip they give. But they don't bother doing any of this basic research.
They have screamed that I'm lying when I say I'm not who they're looking for; though last year they claimed they were updating their files with the info I gave. They've also claimed they're sending authorities to my door. I laugh and say "go ahead, I need to talk to the authorities about you guys". "you're going to have trouble sending authorities when you don't know who I am [originally I gave them my name a year ago but they evidently don't keep records. Now I just identify myself as the owner of the phone they keep calling, and they don't even research that] and send those authorities to the non-existant address you have".
Their phone bank is the [800]293-1486 number.
Their corporate office is [866]505-2632
They also have [312]948-2942 [312]604-3701 and [312]698-7186 to different offices but these are not toll free. They have other credit entities at [866]803-5474 [866]505-8249 and [800]852-9465

Be aware that toll free numbers though free to us are paid by the company buying them. Their charge is by the number of uses and amount of time. The number of dial-ins are the most expensive. So you should probably not go to Control Panel and open Dial-up Networking and set up a new connection possibly named First Credit and enter their [800]293-1486 number (or any other should they shut that one down). You shouldn't have done the previous, but if that happened you shouldn't double click on that connection and select Properties. If you did you'll see your current modem in the lower window and you shouldn't select Configure which will open your modem properties window with a Connection tab. At that tab if "Cancel the call if not connected within ? secs" is checked then your computer will automatically disconnect the call after ? seconds. 49 seconds gets almost through three repetitions of 'dial one if you know your party's extension; otherwise press two to be connected to the next available representative'. With 49 seconds they will not know you called and will just get the bill at the end of their billing cycle. Increasing that number to 75 seconds will not only get one through the three repetitions but will connect with a rep till they start disconnecting when they see the account come up on their screen. But even that takes action from an employee and thus costs them more. And their employees get so riled. If you make a mistake and do the above be ready to field or record alot of nasty calls. But you shouldn't have done the above. Not really a good idea if they really know who you are.

Anyway from the modem Properties window and Connection tab if one selects OK then those changes are saved and you're returned to the New Connection window with a Dialing tab. Selecting that tab is where one can have the computer 'try to connect 100 times' and give it any number of seconds between attempts. If the connection screen in the last window was set to less than 60 secs then this one should not be set to a number such that the total is 90 secs or more as this will make it difficult for them to claim that they weren't connected and it must be a phone company error [each dial-in will come stamped with a new minute on their bill]

Anyway, as I've said, no one should do this as it's really disruptive to their professional working environment and they get really pissed. And I would hate to see the company's bill for their toll free lines.

What the hell are you talking about?

I live in PA and for the past 4 weeks keep getting calls from them, asking for a Mark. I've informed them I don't know a Mark and I had this number for over 10 years. They are abrupt and nasty. Today I received 2 calls from them and they refuse to put the manager on the phone. I did send a email to the Attorney General in Illinois today.

You made the right move by filing a complaint against them with Illinois AG. She does not tolerate this kind of behavior.