CA Called my mom and represented as credit card company

Hi

I checked this company's name in the BBB website and a lot of them are related with credit reporting agencies as well as the loan companies.

I found only this entry that is said to be a collection agency. Is the CA from this company placed a call to your mother?

PREMIER CREDIT MANAGEMENT
5500 Main St. Ste. 106
Williamsville, NY 14221
(716) 633-2483

As per the fdcpa laws, any collection agency is permitted to contact a third party other than you only once. This contact should be done entirely with intentions to locate you. They should not discuss about your debt during this contact and use other ways to acquire personal information about you.

Ask your mom to narrate the complete conversation and see if something was told besides locating you. Remember, that this contact done is allowed only once as per the FDCPA laws. The collectors can't contact her twice on this matter.

Ok so this what he told her:

He asked for me. She said no she is not here. M mom asked him who was calling. He said my name is Sam Davis from Premier Credit and she applied for a credit card and put you as a reference. She also put (my dad's name, and some one else I never heard of) and everey question you answer she gets a point for. So he asked where I lived was I married where I worked and he kept telling her great she's going to get approved. Then he asked my mom for my phone number. She then got a little suspicious and said she didnt feel comfortable giving out that info. So he told her to have me call him. His Phone # was 866-808-7175....Sam Davis. I googled the phone number and I guess this guy has questionable activity. So now I want to know is it legal for him to say that he is calling for a reference for a credit card I applied for? I have not ever applied for a credit card. EVER! Any help would be appreciated.

The approach used over here to locate you was unfair or I would say, illegal. The Rep should not have kept his identity and purpose hidden while trying to locate you.

Next time, when you get a call from this person, start recording it and if it is not permissible in your state, inform the person about the call being recorded. You will have legal proof of this illegal contact.

It might be that the collector is trying to collect a debt from you which you owe. In such case, you should place a call to him and inquire about the purpose. Do place this call from any payphone outside. Do not use your home phone for this purpose. Know the reason of the contact and ask them to validate it if they are seeking collection.

Do not give any of your personal info until you are sure that it is for a legitimate collection. If he asks for your info, tell him that he has used unfair means to contact you and you are reluctant to update your contact address.

Do read this article to know why it is important for you to contact them.

http://forums.debtcc.com/forums/scarycollection.html

Please let me know your take on this

Regards
Roxette

According to some states, it is leagal, as long as it it for COLLECTION only.

A company can not misprepresnt themselves in anyway. What that collector did was call a mult or a surname. It's on the shaky legal side but not illegal either as you are not supposed to divuldge any personal information.

I would report his sorry butt to the FTC...Go here and report this immediately. No matter how you look at this it is not acceptable for a CA to divulge any personal information...

They will respond to you within 24 hours if you file online...

If you spent half as much time trying to figure out how to get those EVIL Bad, bad collectors and just take care of your LEGALLY binding obligations you took out- you wouldn't be here. Rocket science I say- Go hire an attorney for more money rather than pay it while your at it. Just pay your freaking bills instead of feeling like a victim.

Spoken like a true collector. Get a life and stop commenting on things you know nothing about!

jenkarthik,

If I were you, I would check with the credit bureaus and make sure that no one has tried to get credit in your name or something like that. It probably was a collector being sneaky, but just to be safe...pull your credit report. Better yet, put a fraud alert on your report so no one can view it without your permission for the purposes of giving you credit.

If he is a CA then what he did is illegal. Read the fdcpa he used false and misleading statements meant to confuse your mother into thinking she was helping. As guest said check your Credit Reports for any activity not started by you.

Quote:

Quote:

If you owe it pay it! If you would have updated your demo information like you stated you would on your federal contract than they would not have to call your ref's to get contact info on you. You listed them on your prom note as people to contact if we loose contact w/ you. I am sure you borrowed the money w/ the intent to repay so pay it!

"If you spent half as much time trying to figure out how to get those EVIL Bad, bad collectors and just take care of your LEGALLY binding obligations you took out- you wouldn't be here. Rocket science I say- Go hire an attorney for more money rather than pay it while your at it. Just pay your freaking bills instead of feeling like a victim."


Premiere guy, Why should someone pay a bill that they dont owe? The reason were trying to fight these evil bad collectors is because theyre committing fraud, identity theft and harrassing people isto giving them money. Im sure you wouldnt give money to someone just because they harrassed and tricked your eldery mother.

I had a message on my answering machine from premier credit he did not say who he wanted to speak to and I do not know who premier credit is or what type of credit cards they handle.The message very stern and deep voice went like this-you have not returned any of our calls it is important that you call on monday centrel standard time between the hours of 9am and 8pm,you must call this is not a game.Funny to me I don't know who premier is nor do I have a credit card with them.I have to wait till Monday to call if you can shed some light on premier credit for me I would appreciate it very much.
To answer your question sounds like he was fishing to find out all the info on you he could.when someone calls here to ask about my family I tell them I don't give out any and I mean any info about them over the phone.

They have been harrasing both me and my parents over some debt my bother owes. My bother has not lived in Calif for over 10 years, yet they keep calling and keep calling and tell us we are liers and they know he still lives here. My parents finally got fed up and cut off their phone, now they are calling mine more and more, I can't turn mine off as I need it for business.
Primer Credit Management is a half ass bunch of loud mouth smart **** and really should be stopped, they like to hide behind a phone and smart off with you and when you ask for a supervisor you only get someone else (with an equally phoney sounding name) who is just as much a smart ass.
I work in support and NONE of my supervisors would ever tolorate us talking to a customer the way these jerks do.


[color=Red]****Adult term removed - Jason[/color]

Premiere Credit of North America (Mid-Stage Placement)
(866)808-7175
P.O. Box 19309
Indianapolis, IN 46219

I owe on an old student loan, only $1000 left. I guess I lost track. They let me set up payments at only $75 per month. I wasn't sure if I owed the money, but I pulled credit, and it was on there, so I have agreed to pay it. I stil get calls from the 311 number. I am calling my rep on Monday morning. They have agreed to pull the debt off my credit.

shut down this industry. call their toll free number again and again. they pay for the calls. they began harassing me and my famils for a debt i do not owe, so idecided to harass them back. see how they like having their day ruined. redial is your best friend. hang up when someone answers. shut down their ability to do business. keep in mind that they have to pay for the call. run up their phone bills until they can't afford to pay their bills. forget filing a complaint with the FCC or Do Not Call List. they work for corporate interests. happy dialing.

Its more a waste of your time than theirs. Your incoming calls dont cost them anything. Instead, do like they recommend on this site and send them a letter redquesting validation of the debt and while your at it include a cease statement in the same envelope. When I get someone on the phone I tell them the same thing - if they want the calls to stop they need to send us a request in writing and it is very rare that people follow through.

These jerks from Premiere Credit enjoy harassing and annoying people. Make no mistake, folks, that is what they do .... and what they intend to do. I believe it's time to respond to these creeps ... AT THEIR HOMES!

I am in the process of verifying addresses, email accounts, and phone numbers for David Hoeft, Todd Wolfe, Eric Wolfe, Todd Hartmann, Don Conway and any other Premiere Credit creeps I can.

[email]dhoeft@premierecredit.com[/email], [email]twolfe@premierecredit.com[/email], [email]ewolfe@premierecredit.com[/email], [email]thartmann@premierecredit.com[/email], [email]dconway@premierecredit.com[/email]

Once this information is posted, I would hope anyone who is being illegally harassed by this outfit, contacts the principals in the same manner they are being contacted ... AT HOME & AT WORK .... OVER & OVER & OVER AGAIN.

Folks, if you know the names of the Premier scum who are harassing & annoying you ... post their names, check them out in the Boone or Marion County Tax Assessor's Office for their residence, get their personal phone numbers .... and do some tit for tat! ... Oh, and post that info on these boards.

Stay tuned ...

The best thing to do is to document their FDCPA violations and then sue them, after filing a complaint with the FTC, the FCC (if they are harassing you over the phone) and your state Attorney General.

Doing something illegal and unethical in order to combat illegal and unethical behavior in others is hardly mature nor effective.

Besides...the Moderators will delete any personal info that might get posted.

Premiere Credit demonstrates a pattern of illegal (banned by the FDCPA) collection activities that are obviously a part of their business model, and operating procedures:

- Causing a telephone to ring or engaging any person
in telephone conversation repeatedly or continuously
with intent to annoy, abuse, or harass any person at the
called number. (Relentless calls (8 - 12 per day))

- the placement of telephone calls without meaningful disclosure of the caller???s identity (spoofing numbers, or no number)

- The use of any false representation or deceptive means
to collect or attempt to collect any debt or to obtain
information concerning a consumer. (the bogus "reference check crap, where they contact your neighbors). They are only allowed to contact 3rd parties to "locate" you. When they call a neighbor, and say they are conducting a reference check for a job it's obviously a "false representation". They already know where you are, if they've been calling you and can determine who your neighbors are.

How about them apples, Chrys??? These schmucks, as a matter of practice, are in constant violation of the FDCPA.

Here's an example of just how stupid a typical Premiere employee is ... after stating to a 3rd party they are conducting a reference check for a job, the cretin asks if the 3rd party knows the person's cell phone number.

People ... log all their illegal activities to, not only support the $1000 payment you will receive from Premiere for each violation, but to demonstrate the overall pattern of how they operate while annoying, abusing and destroying the reputations of their "victims". that is where the big payday is!

Enough is enough.

Oh yes, I am aware of their illegal and unethical practices, which is why I always say Document Everything, and SUE! Pass Go AND collect $1,000! If they want so badly to hand out cash to people, get in line! Rather than pay them, make them pay *you*!

* WSDC provides free representation. You do NOT have to pay attorney fees. Only small charges towards court costs and filing fees will be required.

Solicitation not allowed here - Jason

Most definitely. Every civil court has referrals to Legal Aid, both at the court and on their websites. Plus there is the National Association of Consumer Advocates. You can pay little or nothing (pro bono) depending on your particular situation.

There is no reason to be without an attorney in the United States unless you really would prefer to - and are very intelligent. The other side will have an experienced attorney who knows his/her way around the law and the courtroom and will have the same advantage as the alpha male in a pack of lions...

[QUOTE=Anonymous;438648]These jerks from Premiere Credit enjoy harassing and annoying people. Make no mistake, folks, that is what they do .... and what they intend to do. I believe it's time to respond to these creeps ... AT THEIR HOMES!
I am in the process of verifying addresses, email accounts, and phone numbers for David Hoeft, Todd Wolfe, Eric Wolfe, Todd Hartmann, Don Conway and any other Premiere Credit creeps I can.
[email]dhoeft@premierecredit.com[/email], [email]twolfe@premierecredit.com[/email], [email]ewolfe@premierecredit.com[/email], [email]thartmann@premierecredit.com[/email], [email]dconway@premierecredit.com[/email]
Once this information is posted, I would hope anyone who is being illegally harassed by this outfit, contacts the principals in the same manner they are being contacted ... AT HOME & AT WORK .... OVER & OVER & OVER AGAIN.
Folks, if you know the names of the Premier scum who are harassing & annoying you ... post their names, check them out in the Boone or Marion County Tax Assessor's Office for their residence, get their personal phone numbers .... and do some tit for tat! ... Oh, and post that info on these boards.
Stay tuned ...[/QUOTE]



David Hoeft, Todd Wolfe, Eric Wolfe, Todd Hartmann, Don Conway are no longer connected with the company. There are new jerks to track, as the company has been sold and David Hoeft and Todd Wolfe no longer own it. The new ones you should be interested in are Robert Meck, Shane Archer, and Daniel Truitt. Also it is an interesting fact that this bunch are all former Sally Mae employees.