CPS security re: home shopping network HELP

Have you checked the latest statement of these payments from your credit card company? If the payments were declined, the transactions won't appear in your credit account. It is then possible that the shopping company might have used their collections department for recovering the money. Speaking in terms of law, no collection company should make threats of lawsuits to the consumers. If they really intend such actions, a letter should be sent before the court date. Ask the CA to validate the debt so that you can review it thoroughly before sending your payments. It will also be good to resolve the matter directly with the shopping company.

I just went thru the same situation last week with the rudest b*stard in the world!!!!! He must have hung up on me atleast 15 times and when I contacted hsn they acted stupid. I told them that i thought that my balance was paid and why didnt they contact me. I was told that a letter was sent. My response to that was you had my email address as well as my telephone number so theyre tactics was uncalled for and done improperly. As for cps I asked for my account number and theyre mailing address so that I could file a complaint and I they wanted to go to court it is what it is. They guys tone changed completely. What you need to do is call hsn for they 877 telephone number and make sure you have ur account number with cps when you call the automated service. Pay about $50 onto ur account and as long as you made some type of effort to pay on the balance they cant touch you.

I just also went to the same thing. CA called my job harrasing me and my supervisor. They called back to back like 5 times, which I have notated. They threatned to gnarsish wages & even talked to my HR. My HR stated CA was going to fax the paper work, but never has. Its been a few days. It's not for HSN, its for a payday advance loan that they were debit frm my ckg acct.

A similiar incident happened this week to us with this same company. If you don't pay us, we're prepared to file a lawsuit this week. For an acct that is less than $500.00 dollars? I'll admit, I caved in and paid to get them off my back. I should have had attorney deal with them, and if someone pulls this again, we will!! What these companies do is reprehensible, and I think it is outlandish that they continue to do these things! Our local, state, and federal officials need to crack down on this industry, in fact, collection agencies purchasing debts whether old or new that OC has charged off, should be made illegal, and any attempt to collect on these dead accts should become a federal offense with mandatory jail time for collectors that attempt to collect on them. It does'nt make any logical sense that anybody would owe a debt collector anything, when you never purchased a service or borrowed any money from them. If the ordinary consumer pulled some of the tricks that collection agencies pulled, we would be jailed for racketeering! I would prefer to deal with the real cosa nostra than these "wanna be, thugs", that hide behind a phone and sit behind a desk to do their dirty work. "Really brave boys and girls that use the phone to vent with strangers all their angst and unresolved issues. Word to the debt collectors, find a real job before things begin to change and you wind up falling under federal scrutiny for pulling illegal tactics on consumers in order to make them pay debts. Don't believe it will happen? Look at the GA att general's office (along with GA governors' office) that is investigating both Mann Bracken and Fred Hanna....once the state begins leveling charges, even criminal charges against these two companies...a lot of people will begin to jump ship, and believe me.. if these entities go down, a lot of other collection agencies are going to start feeling the heat. If I were a bill collector, a lawyer, or a paralegal working especially for these two companies, I would definately start looking for another job, really soon. Another collection agency that was under investigation by the state of Georgia closed its doors for good recently...they got shut down. While collection agencies will never go away, I believe that they should wind up having to be placed under some sort of federal control, or at least the industry does, in order to insure that a lot of the exploitation that has been going on over the last several yrs. will stop.

First off, you are misunderstanding what a charge off is. That just means the creditor has reported it to the IRS as a loss in order to get a tax write-off on it. It is *not* the same as being sold.

Most debt collection agencies operate as a service provider to their clients, who are creditors. They get a percentage of what they collect, and the rest is sent to the OC, which is why when they sue, they sue "on behalf of ...".

The industry IS under Federal control (the FTC), it's called the FDCPA (and the Fair Credit Reporting Act). People have to SUE these companies, the FDCPA was designed to be a SELF-POLICING mechanism. It requires YOU, the wronged debtor, to enforce it. The FTC can only step in if there is a noticeable outcry of properly filed complaints. It is likely the simplest and plainest written law in US government, except for being fuzzy about what constitutes debt validation.

THAT is why Mann Bracken & Fred Hanna were sued - because of the large numbers of complaints filed with the State Attorney General's office; combined with numerous lawsuits by wronged debtors.

Our government is bloated enough as it is. To investigate every single complaint would require a massive bureaucracy that we would all have to pay for by our taxes. It is not practical at all.

Um, why are you looking at them as the bad guys. If you bought something you couldn't afford to pay for- that's on you. Yes, you should be treated with respect and if you are trying to pay it off, great. But why should you get stuff you made an obligation to pay for, for free or less than what you agreed to. This is why our country is suffering. Don't look to us to pay off or write off your debt- do it yourself.

Um, whatever. :roll:
"http://fivemilliondots.com/post/2009/06/10/Mann-Bracken-Named-Defendant-in-Two-More-FDCPA-Federal-Lawsuits-e28093-55-so-far-this-year.aspx"

Yes, that's FIFTY-FIVE IN 2009 ***ALONE***. Back to the phones Momma, don't lose your job.....

HSN should be shut down. Everyone that I have spoken with that WORKS there is so stupid you can't even deal with them! I tried to make a purchase online a few months ago and they declined me. I had to call, when I called, all I wanted to do was make the shipping address different from the billing address. Is that so difficult? Why is it an option if they don't really allow it? Anyway, they declined me again and put a block on my account. I called the next day and they said that I needed to speak with the security department. I called the security department and they were closed, so I waited until the next day. When I called the security department- THE NEXT DAY,(three days of dealing with this now) I spoke to a woman that said my account was closed and that the person I needed to speak with wouldn't be for two more days. WHAT!? So I have to wait ANOTHER two more days to get this resolved? Unbelievable! I call two days later and FINALLY speak to this moron that I've been waiting for for two days and he couldn't help me. Instead he removed the block and asked me to use another card. First of all the card that I was originally using is a debit card and I have nearly $22,000 in that account. Why would I have to use a different card to make a $300 purchase??? Whatever, so I went ahead and used a different card and what do ya know... the item I wanted was sold out. I truly hate HSN and hope to GOD that people reconsider doing business with them. They lack customer service and common sense. I haven't been this angry with anyone before, ever!

Listen, there are two sides to the equation. But before i mention that, what Chrys Henderson said is accurate. Now, i used to be a collector for a 3rd party collections agency. The collections agencies all walk a thin line between lawful and violating the law; i used to do it myself. We knew the laws, but the debtors didnt. But there were a few smart ones out there that would bait us and then snare us, and have us served with papers.
Bottom line is, quit saying things like HSN should be shut down, or the collections agencies should be regulated by teh government, etc. They are a business and actually serve a somewhat useful purpose by controlling the cost of doing business by recovering debts for the creditors. However, they do violate the law and if you are smart and do your research, you can come after them and sue them for a lot of money. Most of the time they will just settle out of court for enough to still make you happy.
So dont assume that you are the customer and have rights; because you arent and you do and you dont. You were the customer, didnt pay your bills and now are a debtor. Your rights are to dispute the bill and provide evidence that you do not owe it, your rights are to pay the bill in full, or you can send written correspondence demanding they cease and desist all communications with you.

i think people who dont pay their debt should go to jail

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they better go back to school to talk to people like you are dirt,get a real job, cps workers, will put my foot up your nose , you talk like a dam pig,

Alright, folks, let's be adults here and keep it clean, please....

Well I've too have been a long time customer of HSN. But I seem to be having the same problems as most of you. Except I tried several times to pay for my item which was on flex pay. My debit card expired so I called them to give them the new expiration date. Mind you it was the same card number... just a new date. It took them over 10 months and me fighting with them about this issue. And it still never got resovled. I did the online chat so I had proof of me trying to give them the info. i have saved all my phone records waiting for the attorneys letter for court. I filed a BBB report on HSN. Why is it my fault that their customer service can not get it right. I told BBB that they could have their item back at their expense. I said I would gladly pay for half of the balance due to the hassarment from CPS. But the response I got from HSN. Was that my card was declined. Well no way.. you don't say. Dah... I know it was declined. It was expired. So as far as I'm concerened they can keep calling. I'm just not going to answer anymore.