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Collectcorp collection agency - Are they known for FDCPA violation?

Collectcorp Corporation is a collection agency located in Phoenix, Arizona. Many consumers complain that they faced problems while dealing with this collection agency. These problems are varied in nature and some of them, as shared by the guests and members of the DebtCC community, are discussed below.

Collectcorp complaints - Do they speak good of the company?

Even though Collectcorp has a good BBB rating, there are consumer grievances against them. The complaints against the CA does not quite speak good of the company. A few of these complaints are as follows:

  • Collecting money even after debt is paid off: A consumer alleges that the collection agency came after him even though he had paid off the debt. He says he repaid the debt in full to avoid any negative mark on credit report. Later on, the CA demanded another $6 saying he still owed the interest accrued before the payment was made. Know more.
  • Not complying with agreement: A customer says he settled a debt with Collectcorp. As per the agreement, they were supposed to withdraw money from his account on a particular date. But they withdrew money 1 week earlier than they were supposed to. This caused the customer to pay an extra $300 in bank fees. Get more on this.

Are there complaints of FDCPA violation by Collectcorp?

Consumers have accused the collection agency of violating the FDCPA (Fair Debt Collection Practices Act) on quite a few occasions. Some of the instances where the CA violated the debt collection laws are as follows:

  • Making calls at workplace: A consumer complains that the collection agency called him at his place of work repeatedly even though he had asked them to not do so. They refused to stop calling him at work until he paid them off in full. They even threatened to garnish his wages if he failed to make payments. Find more.
  • Making calls to friends and family: Another person says that Collectcorp makes annoying calls to his ex, who got divorced years ago. He says that his ex is not responsible for the debt and hence the CA should stop calling her. Get more on this.

The FDCPA lays down the rules which the collection agencies are bound to follow. As per the laws, no collection agency is allowed to call you at your place of work if your office policy prohibits it. The CAs are also not permitted to make calls to your friends, family and neighbors unless they fail to get in touch with you. They cannot also disclose your debt-related information to anyone apart from you.

What do you do if the CA tries to collect an old debt from you?

The CA may come after you to collect an old debt which has either been settled long time back or crossed the Statute of Limitations (SOL). This type of debts are also known as "zombie debts", which may come to haunt you when a collection agency attempts to collect it from you. The CAs often resort to illegal and unethical practices, like fraudulently changing the age of the debt, etc., to collect these zombie debts from debtors.

In case Collectcorp or any other collection agency contacts you to recover an old account which you do not remember or which you have already paid off, beware! Chances are that the CA is trying to collect a zombie debt from you. Thus, when you pay off a debt, you should save all the documents, copies of checks and bank statements, etc. to prove that the debt has been repaid. This will protect you from zombie debt collections.

You should also check if the debt is passed the Statute of Limitations. If it has crossed the SOL, you do not have to worry about repaying the debt. You can simply send a letter through certified mail with return receipt requested asking the CA to stop all collection attempts. However, you should remember that making payments to the CA to remove the item from credit report can renew the SOL. This is why, you should not make payments to the CA until they validate the debt.

You can contact Collectcorp collection agency using the details given below:

Collectcorp address:
455 N. 3rd Street #260 Phoenix, AZ 85004

Collectcorp phone number: (602) 443-2920 Or (800) 678-3052 Or (877) 719-7015

Hi all, I have been having an ongoing issue with ...
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Hi all,
I have been having an ongoing issue with this agency. It started with my AmEx account being misused. Someone somehow used my account in PA while I was here in Texas. If I'd know of this earlier I am sure it could have been settled. But because this was a card I used only twice (at most), I'd forgotten it existed. Also, the statements were going to my old residence, another reason I had no idea. When I moved back to my home city, I was given a ton of old mail and noticed the charge. By this time, the account had been sent to Collectcorp collections. After trying to prove that I hadn't used the card in PA, I finally gave in and paid the money because I didn't want a bad mark on my credit, which up until now had been clean. I paid by the date on the letter sent to me, in full.
Now they claim I owe another $6 because despite having a 0 balance at the due date, they are saying interest accrued before the payment, or some bull. My real concern here is that during this whole ordeal, CollectCorp has been rude even when I was just trying to figure out what this charge was and how it got there. The collectcorp phone numbers are rarely working, and they don't answer the phone if you call more than once. When I asked them to send a receipt of my payment by phone they sent me a letter for a payment plan instead - after I'd paid the entire thing. And now they are sneaking charges in on me. I don't know what to do. I don't want the deliquency on my record in the first place because I never made the charge(and I have proof that I couldn't have made the purchase because I bought groceries in TX that very same day with my bank card) so I sure as heck don't want to be their endless supply of pocket change.
So I guess my questions are:
1. Is there anyway I can't get this removed from my report although I paid it? I have proof that I didn't make the purchase. If I can't how will the delinquency affect me? The last person I spoke to said that 30 days after I paid it off and they reported it to the bureaus it will clear. Is that true?
2. How can I ensure that what I pay them will actually end all of this since they keep bring up new charges and excuses everytime I think I am paid off? What's the best action to take?
3. Is there anyone or any place I can report them for their horrible treatment? It almost as if they don't want me to pay them the way they send me from person to person, and hang up on me for asking a simple question!
I apologize for making this so long, but thank you for hearing me out as well as for any help you can give.

Hi Adra
Welcome to the forums. The first thing that you should do is to contact Amex and close the said account. Otherwise, possibilities are there that it might keep rolling with some other charges which you will have to pay in order to maintain your financial identity. Get it in writing that the account has been successfully closed.
Regarding the present transaction, request CollectCorp to send the complete information of the debt in order to prove that they are legally responsible to collect it.
Once the payment is made, the account information will be updated with the credit bureaus and you will have a clean report. Otherwise, the negative marking of unpaid debt will keep hurting you at regular intervals.
You can lodge your consumer complaints about any agency practicing illegal collections at the FTC, BBB and the consumer protection office in your state. Many of the consumers have filed their complaints about specific companies and necessary actions have been taken against them.
Do let us know if you have any of your queries unsolved.

Sub: #1 posted on Wed, 09/21/2005 - 11:59

roxette roxette

(Posts: 4009 | Credits: )

Thanks for you advice and quick response! I plan to put this into action immediately.

Sub: #2 posted on Sat, 09/24/2005 - 19:48


Interest? Amex?? Huh?? Unless you have a Amex Blue card, amex doesen't charge interest, just hefty late fees assessedbased on balance in lump sums.

Sub: #3 posted on Mon, 09/26/2005 - 05:56

(Posts: 1151 | Credits: )

look aned print out the Fair Debt Collection act

do away with the directly with the


Sub: #4 posted on Mon, 12/17/2007 - 15:22


Collectcorp collection agency is just rude in general. I called tonight and the lady laughed at me over the phone. I wrote an E-mail to the president!

Sub: #5 posted on Tue, 12/18/2007 - 18:29


collection agencies don't have to be polite. It would be wonderful if all collection agents were but it isn't going to happen because they don't have to care about customer service or loseing their jobs for being a jerk.
I tend to take the Golden Rule to heart when I deal with people but I know many who don't.

Sub: #6 posted on Tue, 12/18/2007 - 20:12

(Posts: 1950 | Credits: )

I was reading your commnts on Collectcorp collection agency and other agencies. I see where you guys are coming from, but look at it in their shoes. On a daily basis, they get people calling in and telling them off, just for doing there job!
Now I'm not saying that they are innocent, that's for sure, but in a job like that, they have to be a little hard. There are millions upon millions of people out there who are in collections, and there is only a small percentage of those people who, like Adra, never intended to accumulate a debt; things happened where there was miscommunication or had not recived notice what so ever.
There is a bigger percentage of people who KNOW they are in collections and instead of dealing with there matter, the simple take it out on other the collectors.
I was a collector once, and I went into that job, nice as can be, using my "Please" and "Thank you's"; and my "Ma'am" and "Sir". I even had a handful of people that said "You're one of the nicest collectors i ever talked to,". But there were also tons and tons of people who simple hung up the phone on me as soon as they knew my intention of calling, or told me where to go and how to get there. It's these "classic debtors" that make collectors the way they are sometimes...

Sub: #7 posted on Thu, 09/25/2008 - 17:50


Doesn't matter, there are still certain things they are not allowed to do, using abusive language is one of them as all it takes is one little F-bomb for the FCC to levy a $1 million penalty. Also being rude to a person because they have a question about their account is uncalled for. Sure they don't have to be nice but what about common professionalism, or does that not apply in an industry where people claim to be professionals?

Sub: #8 posted on Thu, 09/25/2008 - 17:58

(Posts: 2934 | Credits: )

Does anyone have collectcorp address or a fax number and/or email address for them? I recently settled a debt with them which was withdrawn 1 week earlier than I had asked and am now being assessed with over $300 in bank fees that in my opinion Collectcorp collection agency should be responsible for.

Sub: #9 posted on Mon, 11/17/2008 - 16:47


After receiving calls for a same named person, I started answering the phone and telling the debt collectors that "she committed suicide because of the debt collectors harassing her to death" ... then I hung up ... it worked as my calls have been cut in half

Sub: #10 posted on Wed, 06/03/2009 - 11:39


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