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Regional Adjustment Bureau: Are customers happy working with them?

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  • Regional Adjustment Bureau/RAB

RAB Inc Regional Adjustment Bureau company is calling me non-stop at home, at work and now on my cell!! I called them and told them that I DID NOT want them to call my cell phone, as I am charged for those calls. Well the little B***H on the phone told me "oh yes we can call your cell phone and you need to pay your bill", I told her she was a joke and hung up. I can't take this anymore, I've told them to stop calling my place of employment as well, but it just does not stop. These people are SO rude and demanding. What can I do????




Yes, I don't have problems with them contacting by phone until they began mis-representing our conversation and documenting false information about what I said and what my husband said.

Sub: #51 posted on Wed, 03/17/2010 - 14:41

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A Mike Lee with RAB keeps calling our place of business, and he is so rude and mean to whoever answers the phone, that we don't even know why he is calling. He has treated 2 of our employees so horribly, that we will not take his calls any longer, as our employees do not deserve to be treated so horribly, nor does anyone else.

Sub: #52 posted on Thu, 03/18/2010 - 12:50

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So far this scum has called my former roommates cellular phone, I believe 2 neighbors who have landlines but no caller id, and my cell but they hang up quickly and never leave a message. They ask people for my personal information and to get a message to me. Also, they have lied on the phone, represented themselves as a credit clean-up company, and now may have succeeded in getting one of my old e-mail addresses at a site I haven't used in 1-2 years! I dont know why they are calling, I cannot get any response but I do know they have over a hundred people suing them for Un-Fair Debt Collection pratices in several states and they lose EVERY CASE! I found a law firm that has successfully sued them over a 100 times in recent history, and has won every time. The first rule that they seem to forget, you must have a VALID debt to collect on and the only valid outstanding debts I have are through a bank that I am in the process of paying off because I insisted on paying them in full. BTW their latest phone number that they use as a bogus is 714-277-3521 and its a computer voice mailbox. Good luck with these A**holes. I have worked collections, myself, and I have never seen such a disregard for laws, privacy, or human respect in my life!

Sub: #53 posted on Tue, 03/30/2010 - 10:50

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they called me and talked me into paying 100 dollars to get on there payment plan so i gave them my bank account number so they could take the 100 dollars out of my bank then about 20 minutes later some man called me back and said that wasnt enough money to be on a payment plan and said they would still take my 100 dollars out of my acct. but not put me on a payment plan cuz 80 a month was not enough so i called my bank shut down my acct b4 they could take my 100 dollars they got mad ha ha jerks

Sub: #54 posted on Tue, 04/13/2010 - 19:11

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I recently had my tax refund seized and applied towards a student loan account that i owe, which is all fine and dandy, but when i called RAB (which by the way, use the 901 area code number, the 800 number automated system hangs up on you) to get an updated account balance, the $1309 was not credited to my account. The notice that i received in the mail stated that the 1309 was sent to RAB on 04/20. The lady on the phone, who spoke so fast and so low that i couldn't pick up a name, told me that i needed to make a payment plan so that they didn't send my debt off to another collection agency. my balance last time i was having wages garnished was 1189.00 and when i called she told me that it is 1983.57? can they actually tack on just about 1000.00 to an owed debt? the lady on the phone also told me that i could set up payments of $50 a month to have the debt paid off, but when i asked her how to set up a 50 a month plan, she told me that 50 a month wouldn't be enough, kinda contradicting isn't it? I am not sure what i should do at this point, could someone place me on the right path

Sub: #55 posted on Mon, 04/26/2010 - 15:03

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And from what i have read, it is funny that the government sends your delinquent debts to a company (RAB) that defies and obliterates so many of their own (the government) laws

Sub: #56 posted on Mon, 04/26/2010 - 15:07

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Hi Custer,

If there has been a judgment against you for Federal or state taxes, the agency holding the judgment can seize your tax refund. But if it is a creditor or a collection agency, your tax refund can be seized only if they obtained a judgment against you and levied your bank account in which the tax refund was placed.

Contact the original creditor and tell them that you have the intention to pay them off and work out an affordable repayment plan with them. If they agree to work with you, there is no need for you to deal with the collection agency. You may contact a debt settlement company, who will negotiate with the creditor on your behalf to have the debt settled. They will negotiate to reduce the outrageous interest rate, late fees and charges that the collection agency is tacking on.

Sub: #57 posted on Tue, 05/04/2010 - 23:52

Good Nelly Good Nelly
Industry Expert
(Posts: 2684 | Credits: )

Quote:
Originally Posted by Anonymous
These people have no right to call neighbors, distant relatives, x husbands. How do they get confident information? Rude and dishonorable. Has to be against the law.


collectors can call anyone that could provide information about a debtor. neighbors, relatives, coworkers, ex's, are all available on a website called lexisnexis. the information is usually provided by the original creditor. do research you ignorant bitch. transunion also provides information. collectors can legally do all of the above, as governed by the fair debt collection practices act.

Sub: #58 posted on Sat, 05/22/2010 - 16:55

Unregistered


Quote:
Originally Posted by Anonymous
I recently had my tax refund seized and applied towards a student loan account that i owe, which is all fine and dandy, but when i called RAB (which by the way, use the 901 area code number, the 800 number automated system hangs up on you) to get an updated account balance, the $1309 was not credited to my account. The notice that i received in the mail stated that the 1309 was sent to RAB on 04/20. The lady on the phone, who spoke so fast and so low that i couldn't pick up a name, told me that i needed to make a payment plan so that they didn't send my debt off to another collection agency. my balance last time i was having wages garnished was 1189.00 and when i called she told me that it is 1983.57? can they actually tack on just about 1000.00 to an owed debt? the lady on the phone also told me that i could set up payments of $50 a month to have the debt paid off, but when i asked her how to set up a 50 a month plan, she told me that 50 a month wouldn't be enough, kinda contradicting isn't it? I am not sure what i should do at this point, could someone place me on the right path


the 1309 probably took time to process. rab will not send debts anywhere else, rab is already a third party collection agency. their only other option is sending it back to the original creditor, who CAN send it to another agency. they cannot tack on more money other than interest, you are blatantly lying. collectors will never recommend one thing and then go against it. she probably was using 50 as an example, not as a reasonable payment. pay $100 a month for 13 months is the best option. dont even try to get a settlement, 10% is right around the maximum percentage that most student loan departments will take off. or just pay the balance is full. get your debt paid, dont sign a contract if you cant hold to it. period.

Sub: #59 posted on Sat, 05/22/2010 - 17:04

Unregistered


Quote:
Originally Posted by good.nelly
Hi Custer,

If there has been a judgment against you for Federal or state taxes, the agency holding the judgment can seize your tax refund. But if it is a creditor or a collection agency, your tax refund can be seized only if they obtained a judgment against you and levied your bank account in which the tax refund was placed.

Contact the original creditor and tell them that you have the intention to pay them off and work out an affordable repayment plan with them. If they agree to work with you, there is no need for you to deal with the collection agency. You may contact a debt settlement company, who will negotiate with the creditor on your behalf to have the debt settled. They will negotiate to reduce the outrageous interest rate, late fees and charges that the collection agency is tacking on.


Nelly....Federal or state debts are NOT sold and no judgement is ever needed to do a tax offset.'

If you are assigned to a CA, the original creditor for these types of debt will not work with you. Nor can you use a debt settlement company. Interest is not negotiatable.

To custer....student loan interest accrues daily and is capitalized so that is why your balance went up. When taxes are seized, it can take up to 6 weeks for the guarantor to receive it and post it to your account...then they notify the collection agency. RAB did NOT receive the tax refund...your guarantor did.

Sub: #60 posted on Sat, 05/22/2010 - 21:18

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
(Posts: 17271 | Credits: )

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