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Regional Adjustment Bureau: Are customers happy working with them?

Submitted by on Thu, 04/17/2008 - 15:36
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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????


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.


Submitted by 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!


Submitted by 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


Submitted by 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


Submitted by on Mon, 04/26/2010 - 15:03

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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.


Submitted by Good Nelly on Tue, 05/04/2010 - 23:52

Good Nelly

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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.


Submitted by on Sat, 05/22/2010 - 16:55

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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.


Submitted by on Sat, 05/22/2010 - 17:04

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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.


Submitted by SOAPLADY on Sat, 05/22/2010 - 21:18

SOAPLADY

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I had co-signed for a friend last year and she fell on some hard times and was unable to make payments she fell behind 3 months, and they finally contacted me about this situation, of coarse I knew nothing of it. While I was speaking with my husband about the settlement they were offering the woman on the line with the name of Tosha Thomas in Memphis TN. she said "I don't have time to talk to your husband, you need to get your check book now, or I will end this call" I was like oh my gosh. When I told her I needed to speak with my husband about this issue she said I had since I co signed for my friend to speak with him about this issue. I then informed her no I hadn't we had only been married for 3 months. I understand that they are a collection agency and I guess they are not required to have any morals about themselves or any respect for the human race but they should not be allowed to speak to people the way they do. And when you request to speak with a supervisor they are just as bad if not worse. I can't believe they are still in business. We ended up paying the settlement, they told us we would receive a letter of settlement in the mail after the payment cleared. They payment cleared on May 21st I have still not received any letter or e-mail from these people so I have no documentation stating that my settlement is clear! This was the first time I have ever dealt with a collection agency I am really good about paying my bills. So I was just amazed by how these people spoke to me


Submitted by on Mon, 06/14/2010 - 19:43

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you probably wont get one either. You never ever settle an account without a written settlement letter.

Collection agencies are not around to provide customer service...well they do but the debtor is not a customer...the client who hired them is the customer. Rudeness is not illegal...their job is to get the cash.


Submitted by SOAPLADY on Mon, 06/14/2010 - 20:59

SOAPLADY

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Those of you who insist on aiding and abetting debtors who don't pay will be subject to the same penalties as the delinquent debtor! I work for a collection agency, and believe me, I understand that times are tough. I don't threaten or harass people when I call them, but I do know when people are helping their dead beat friends/relatives hide. I also know the difference between someone who has just simply fallen on hard times and a dead beat. The dead beat ALWAYS has people covering for them. Hell, I am in the process of suing a friend of mine for helping hide his dead beat brother! My soon-to-be ex-friend has never even owned a credit card or been in debt for a split second and is well off enough to retire from work and he's not even 40 years old yet. And now HE may lose it all because he thought he was helping his dead beat brother by claiming he had "never heard of him" when all we wanted was information. That's it. I begged him, pleaded with him to just give my company a lead on where we could locate his brother. I explained to him time and again how this wasn't personal, it was strictly business. He took it personal anyway. Thinks his brother can do no wrong. He refused to talk. Well, I hope that blood thicker than water saying works, because now, the debt is on him! he may lose everything he owns now. Let this be a lesson. Don't aid and abed those who are capable of paying but just simply won't. Lest you will end up owing it for them! My success rate on collections is the highest at my company, and why? Because I don't threaten or harass. I work with people. But, there is no compassion for those who are in hiding or those who act as accessories!


Submitted by on Thu, 06/17/2010 - 13:42

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The judge will throw your case out. Your lucky soon to be ex friend has no liability so how can you sue him? I can just hear Judge Judy laughing!!! If he wasnt a cosignor, he cannot be sued for a debt...and he sure as hell cant be sued for not giving you information. He could actually turn around and sue you for malicious procecution!!


Submitted by SOAPLADY on Thu, 06/17/2010 - 13:58

SOAPLADY

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Quote:

Originally Posted by Anonymous
Those of you who insist on aiding and abetting debtors who don't pay will be subject to the same penalties as the delinquent debtor! I work for a collection agency, and believe me, I understand that times are tough. I don't threaten or harass people when I call them, but I do know when people are helping their dead beat friends/relatives hide. I also know the difference between someone who has just simply fallen on hard times and a dead beat. The dead beat ALWAYS has people covering for them. Hell, I am in the process of suing a friend of mine for helping hide his dead beat brother! My soon-to-be ex-friend has never even owned a credit card or been in debt for a split second and is well off enough to retire from work and he's not even 40 years old yet. And now HE may lose it all because he thought he was helping his dead beat brother by claiming he had "never heard of him" when all we wanted was information. That's it. I begged him, pleaded with him to just give my company a lead on where we could locate his brother. I explained to him time and again how this wasn't personal, it was strictly business. He took it personal anyway. Thinks his brother can do no wrong. He refused to talk. Well, I hope that blood thicker than water saying works, because now, the debt is on him! he may lose everything he owns now. Let this be a lesson. Don't aid and abed those who are capable of paying but just simply won't. Lest you will end up owing it for them! My success rate on collections is the highest at my company, and why? Because I don't threaten or harass. I work with people. But, there is no compassion for those who are in hiding or those who act as accessories!


more humanoid stupidity.be still my heart.:rolleyes::rolleyes: i would make the back handed comment of you being a mind reader,but that would imply you have a mind.which you don't.


Submitted by paulmergel on Thu, 06/17/2010 - 14:07

paulmergel

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Quote:

Originally Posted by paulmergel
more humanoid stupidity.be still my heart.:rolleyes::rolleyes: i would make the back handed comment of you being a mind reader,but that would imply you have a mind.which you don't.


I know people on here don't take kindly to collectors. I can understand that, given that the dregs of society, those junk debt buying creeps have soiled our reputation. I like to think of myself as a rare breed. A collector who works with people, and not against them. Do I feel like sh*t having to sue someone who was once a close friend? You bet. It sux, but, he should not have been an accessory to his deadbeat brother. His brother is perfectly capable of paying, he just won't. And my soon-to-be ex-friend laughed about it. Well, he has been found guilty of obstructing our pursuit of a debtor, and could go to jail for it. It's a sad situation, not only because the guy was a friend for many, many years, but he has always been successful in life, and now may lose it all! But, he can't say I didn't warn him, time and time and time again. All I'm saying is, if a collector calls looking for a friend or relative, just cooperate. That's it! All we want is a lead. Plus, I want others on here to know that the law has changed. the law now allows us to sue those who aid and abed. We don't want to, but, if left with no choice, we have to. That change in the law is largely unknown, but is soon to be made public.


Submitted by on Thu, 06/17/2010 - 14:28

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Quote:

Originally Posted by Anonymous
I know people on here don't take kindly to collectors. I can understand that, given that the dregs of society, those junk debt buying creeps have soiled our reputation. I like to think of myself as a rare breed. A collector who works with people, and not against them. Do I feel like sh*t having to sue someone who was once a close friend? You bet. It sux, but, he should not have been an accessory to his deadbeat brother. His brother is perfectly capable of paying, he just won't. And my soon-to-be ex-friend laughed about it. Well, he has been found guilty of obstructing our pursuit of a debtor, and could go to jail for it. It's a sad situation, not only because the guy was a friend for many, many years, but he has always been successful in life, and now may lose it all! But, he can't say I didn't warn him, time and time and time again. All I'm saying is, if a collector calls looking for a friend or relative, just cooperate. That's it! All we want is a lead. Plus, I want others on here to know that the law has changed. the law now allows us to sue those who aid and abed. We don't want to, but, if left with no choice, we have to. That change in the law is largely unknown, but is soon to be made public.


more proof of your stupidity.there is no such a thing.you can't and won't be able to sue anyone on an assumption,and if you want to lie humanoid do it on the phone not here.again all you are posting is lies you spew on the phone.kinda like one humanoid who stated the SOL laws were changing,but upon further research the supposed change was in their empty head kind of like yours.again if you want to lie and BS.do it on the phone einstein not here.


Submitted by paulmergel on Thu, 06/17/2010 - 14:35

paulmergel

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Quote:

Originally Posted by SOAPLADY
The judge will throw your case out. Your lucky soon to be ex friend has no liability so how can you sue him? I can just hear Judge Judy laughing!!! If he wasnt a cosignor, he cannot be sued for a debt...and he sure as hell cant be sued for not giving you information. He could actually turn around and sue you for malicious procecution!!



I got him on being an accessory to helping a delinquent debtor hide! His spanking is coming!


Submitted by on Thu, 06/17/2010 - 14:38

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First of all, it's abet, not abed, idiot! Secondly, the law has NOT changed. You're so full of it your eyes are brown. Go spew your nonsense elsewhere, we're not buying it. You can NOT sue someone for NOT helping you find a debtor. It's none of their business to begin with. If you call me looking for one of my friends or family members, guess what you'll get from me? A cease and desist letter. And guess what will happen if you don't abide by it? I'll sue YOU!You need to get over yourself, buddy.


Submitted by OhioGal1 on Thu, 06/17/2010 - 14:38

OhioGal1

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Quote:

Originally Posted by Anonymous
I got him on being an accessory to helping a delinquent debtor hide! His spanking is coming!


:rolleyes:

Okay, where are the cameras? This crap can't be for real. Well, then again, if it's a collector, anything is possible. Good luck on suing your soon to be ex-friend on some trumped up charges. Sounds like you are just p*ssed off at life in general. Maybe your ex-buddy has "always been successful in life" because, get this, he's not a debt collector! Yeah, jealousy noted when you typed that bit about his success. Get a life you moron. And no, you are not a "rare breed". You are in the same category as those "junk debt buying creeps". The only difference is the type of debts you purchase.


Submitted by jmoon219 on Thu, 06/17/2010 - 14:49

jmoon219

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Quote:

Originally Posted by jmoon219
:rolleyes:

Okay, where are the cameras? This crap can't be for real. Well, then again, if it's a collector, anything is possible. Good luck on suing your soon to be ex-friend on some trumped up charges. Sounds like you are just p*ssed off at life in general. Maybe your ex-buddy has "always been successful in life" because, get this, he's not a debt collector! Yeah, jealousy noted when you typed that bit about his success. Get a life you moron. And no, you are not a "rare breed". You are in the same category as those "junk debt buying creeps". The only difference is the type of debts you purchase.


jmoon this guy came on to flame the boards,but this is too much fun exposing him as the typical piece of JDB garbage.i can just picture this cretin on the phone as he's posting.only it is being said,and not posted.this guy is an absolute fool.


Submitted by paulmergel on Thu, 06/17/2010 - 14:54

paulmergel

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Called this number and the one who answered didn`t know any of these people listed and never heard of the Wydal`s. These people are looking for my wifes nephew who we haven`t seen in over 5 years an don`t know where he is. They say that they`ll remove my number but they keep calling anyways. Everybody in the country should call that number 10 times a day and laugh and hangup as they need to be harassed and tie up their phone lines.


Submitted by on Tue, 04/12/2011 - 13:23

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