Being hassled by shady credit card company

Jmoon219,

Welcome to the Forum. Find out as much information as you can about them. Send them a DV letter to make sure everything is valid and if you know that they have been calling family and discussing it with others they are breaking law. They are not allowed to disclose any information with them. You have come to the right place. More people on here will have more knowledge then myself. But don't let them push you around. Don't avoid them and see if you can work something out. If you avoid them and try to sue you and you don't show up they will pass judgement against you and you will have to pay regardless.

Is this the credit card company itself calling or a CA?? If it is the credit card company, you have no protection under the fdcpa.

I am no expert but it sounds to me like it is a violation of the Gramm-Leach Billey Act. Specifically, Subchapter I, Sec. 6801-6809 - Disclosure of Nonpublic Personal Information. I work for a Financial Institution and it is a big deal. We are required to be retrained on it yearly. It is my understanding that ALL Financial Institutions are required by law to abide by this and it is enforced by the FTC. See link to this law below:

http://www.ftc.gov/privacy/glbact/glbsub1.htm#6801

Perhaps someone more knowledgeable than I can weight in.

It was the credit card company themselves that did this. So, they don't have to adhere to the privacy act? :?

I am not a lawyer, but I know that collection agencies cannot call relatives or employers; but I think CC companies can legally call you and your relatives at home and at work to try and track you down. If you are not paying, you are in breach of contract and they are trying to protect their interests.

You can send them a cease and desist letter, certified mail, return receipt requested, and see if that stops the calls. It can't hurt. If you are still paying your minimums, you should not be being harrassed.

CA's can call relatives and neighbors if the purpose is to track you down, too. Of course, that's never the real purpose. But since the fdcpa gives them the out that's what they claim when you bring them to task for it.