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troubling collection agency 2 blocks away

Date: Tue, 03/14/2006 - 13:01

Submitted by Teleport
on Tue, 03/14/2006 - 13:01

Posts: 1388 Credits: [Donate]

Total Replies: 10


I have successfully made all attempts possible in rebuilding my credit. Or at least I thought.

There was an item on my credit report that was not mine, and so I disputed it. It was for an emergency room visit, dated back in 2003. During the Spring term I was in Oklahoma City living, so I knew right away the item wasn't mine. The collection agency for the hospital was very pleasant to deal with. The item is currently being reviewed and will be deleted this afternoon.

However, the account holders for the ambulance visit were very defensive when I spoke with them today. The rep got very angry when I told her I wanted to send a second dispute letter via certified mail.

I already disputed with the credit bureaus, and she's claiming without a doubt, that this debt is 100% mine. I told her that I wanted to put a bet on it, and asked for her managers name. After being explained that they don't accept certified mail, I asked for the owners name. They were not willing to give out the information after I explained that all I wanted to do is send a letter of complaint about the rep, and quite possibly the manager. I used the word beligerant, describing the rep, and he interrupted me---claiming he had been listening to the entire call.

Towards the end of the call, he started asking the usual collector (first time) call questions. Work, etc. I explained, I'm not willing to discuss anything with you over the phone. Before hanging up he wanted to know if I had any intention of paying the debt. I wanted to snicker, and I told him if he had be listening very carefully he would have heard me tell the rep that the debt is NOT mine, and that I'd be willing to put a bet on it.

My concern is, when they are saying
Quote:
"without doubt, 100%, this debt is yours"

can they somehow make the debt yours.


I finally managed to get the owners name, and their mailing address. The manager also informed me that I realy need to get a signature I can send FedEX. I'm just not very clear on why certified mail is rejected. Honestly, I should just hand deliver the letter and take a picture of who takes it from my hand. My address is downtown, and I can walk to their offices.

One thing I'm upset about is how my information was provided to the collection agency who was handling the hospital account. I was working at the hospitals auditing department during the time of the first phone call made to me. It was a brand new number, so it had to of come from my mothers account. They saw the "next of kin", searched her name, and found my name and phone number. I think it's scary how collection agencies can just tag your name because you're the first John Doe they find in the computer, and gain your contact information by looking through the other patient files and next of kin contact.

One more thing, there are 2 people with the same name in Michigan, and another in FL. My last name isn't that common.


Mikey, did you send the first dispute letter through certified mail? if so, was it accepted then? I've never heard of anyone not accepting certified letters.They're not going out of their way to cooperate with you at all. How can they know 100% that its yours unless they made it up to be yours. I wouldn't doubt the capabilities of some CAs to 'make' a debt yours, just to pin it on some joe blow in hopes of making money because joe blow doesn't know any better--that he doesn't know his rights. They are trying to make it impossible for you to complain or legally correspond with them. If it was really yours, it seems they would be more cooperative. If they can do this and DO do this, then how are we suppose to get out of a debt thats REALLY not ours? this is scary to think about. shirley


lrhall41

Submitted by imkimssister on Tue, 03/14/2006 - 13:19

( Posts: 1301 | Credits: )


Quote:

Somehow it just doesnt seem fair,that you have to go to all this trouble for a debt that is not even yours.If you dispute it with CRs dont they have to prove to them, its your debt or they must remove it?

Yep, thats the way it works. That would help to clear it off of his credit report, but I think he's more worried about getting this settled OVERALL so he can get these jerks off of his back. Taking it off of the report won't stop them from still trying to contact him and saying that its his. also, the bureaus, I just found out, only does a verification check on the account you're disputing. Meaning, the Federal Trade commission does not require that the bureaus obtain documentation such as signed sales slips, signature cards, contracts, etc. Nor are they mediators or negotiators in account disputes. so this wouldn't help to rid the situation.


lrhall41

Submitted by imkimssister on Tue, 03/14/2006 - 16:31

( Posts: 1301 | Credits: )


How can they know 100% that its yours unless they made it up to be yours. I wouldn't doubt the capabilities of some CAs to 'make' a debt yours, just to pin it on some joe blow in hopes of making money because joe blow doesn't know any better--that he doesn't know his rights. They are trying to make it impossible for you to complain or legally correspond with them. If it was really yours, it seems they would be more cooperative. If they can do this and DO do this, then how are we suppose to get out of a debt thats REALLY not ours? this is scary to think about. shirley


Sounds like Collectcorp. They try to screw you out of money you dont owe and will lie through their teeth to get a commission from you.

Its simple really. Harrass random people untill someone bites and they get to collect their commission.

The bureaus should be held accountable for giving up private information without proof of debt.

The government should be stepping in on these frauds instead of forcing the victim to figure out how to fix their destroyed credit.

This happens constantly and nothing is being done.


lrhall41

Submitted by on Fri, 06/22/2007 - 15:05

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