Encore Receivable Management is harassing me. How to stop them?

Collections Manager,

Recorded conversations are admissable in court. We have used them. Depending on what state you live in, you don't have to inform the other party of the recording. How do you think we caught Encore in so many violations? And if we chose to tell you and you keep talking, you are giving your permission to record.

I'm not gonna pretend to be an expert on every states laws. Thats something I was unaware of. What state is that? Our reps are trained that if someone does say they r recording they are to ask them to stop and wait for verbal confirmation they have stoped recording. If they don't get that they are to disconnect the call. Every company does have it's share of employees not familiar with policies though. I would suggest to get the our notes on the account though. Was encore handeling your card as first party or third. When you talk to them do they say they are encore or capital one?

They stated they were from Encore. Then after they spoke to us, continued calling up to fifteen times a day. Encore has cursed, called us deadbeats, told me to get off my ass and get a job, liar, etc. You need to look up and see what states you can do a one party permission and whats states have to have both parties consents.

wow!! I guess I'm lucky. They were calling me once a day every day, even after getting my cease letter to stop all phone calls. Just recently, they stopped for about three days straight, I thought they were done, now they're calling every other day instead of every day. I have never talked to them on the phone, I refuse to and they know I have told them to stop calling but yet they continue to do it over and over again anyways. I have never answered once and I have never returned their calls and I'm not going to. Especially after hearing what you've been through. what jerks!!! I am getting call blocking on my phone, but I figure then, they will find another number to call from. shirley

I don't work at a dreadful place like Encore, but where I work I really am ready to walk. I didn't fall off the back of a turnip truck one morning in front of a collection agency and have a job handed to me in a little gift-wrapped package with a bow. I can tell when someone is flat broke, yet my orders from management are to dictate the terms and maintain percentages. I've heard it all from both sides (debtors and managers) and I'm f'ing sick of it all. I'm stuck between a rock and a hard place, the rock being my manager who sets unrealistic collections goals for me, and the hard place being debtors who are as poor as a church-mouse. My health both physically and mentally are being affected by this three ring circus and I am really about to crack! Help me forum friends! Or else you'll find me in a padded room somewhere doing the Curly-shuffle in a straitjacket!

Another thing that is really wreaking havoc on my once-positive attitude in collections is trying to build rapport with people only to be called a "funky-ass
****", the c word, told never to f'ing call again, and have some snitty little witch read me a cease and desist over the phone when I have never harassed anyone in my life! I try and try and try and just get shit on. I'm not pointing fingers around this forum, because there are no irresponsible louts logged on here. As for all the selfish, rude, overspending parasitic losers out there...I GIVE UP!!! Wallow in debt! Do what you want! I'm quitting!

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

Sorry if I seem overly irritable. I have a cold and I'm just completely petered out.

Oh Ari, I already consider you my friend and I'm glad that one day you decided to drop by here in the forum, and we got to meet you. You are a special person. I know your job sucks, I KNOW IT DOES. You are not the bad guy, you're just doing your job and trying to make it in this world just like all the rest of us. THis is you trying to earn a living, trying to put food on the table. You are merely the messenger of what your boss tells you to do, the middleman if you will, yet you have to take alot of crap from debtors who won't pay their bills. To be honest, I wouldn't want to be in your shoes. I know theres alot of @ssholes out there that work in the collection agency field--we've all dealt with them, but theres also a lot of @sshole debtors too, as I'm sure that you have dealt with. I'm sorry you feel so down, lifes too short not to be happy doing what you do. It sounds like you could use a hug. ((((hug))))Shirley

Thank you Shirley ever so much for letting me vent! Oh my goodness gracious does my job ever suck! Lunacy it is! No lunacy here in the forum though! We're here to be at each other's side and provide emotional safety nets, we all need each other!!!

What we all don't need is the mind games that brought us all together in the first place. I find that a lot of the time the client is the one in the wrong. I'm noticing patterns with clients including Wells Fargo, Rehabilicare, and all the payday loan pigs. I just tell the debtors who claim this that while I file their account as a dispute, that they need to touch base with the creditor, and sometimes their HMO at the same time. I tell them "truth first, money later" because so many of these clients are complete charlatans and it's so embarassing to be stuck in the middle of some big clerical error. Every time I see a retail accout or a bank card my face goes pale because I know I'm about to get my eardrums blasted with profanity.

Just to let everyone know, there is one guy at my office who gets himself in hot water frequently with fdcpa corner cutting and sidestepping. He probably spends two to three hours a week in the general managers office getting screamed at because a borrower complained about his crap attitude. One time the manager let him have it right in front of the whole office! Yet he's still cruel to borrowers, he just doesn't get it. Ironicly, his collections numbers every month are astronomical compared to mine! He's getting complaints on a weekly basis and laughing all the way to the bank, I'm letting people have their say, giving them their space, and extending them a fair length of patience, and I'm squeaking by! This is an elaborate farce!

Still waiting to hear back from Coca Cola. I've applied for more positions. I think they pay their vending-machine guys better than this agency pays me!

Quote:

Here's an update:

Encore called today and set up the reage program with us. It was explained to me as the gentleman in the previous posts explained it. I have 3 payments of $250, then it goes back to Cap 1 in March, and she told me to see if they'll do something with the interest rate (was 9% now 25.9%.) She told me I'd get a letter in the mail showing the agreement within 14 days or so. I did speak to a supervisor to set it up. I explained everything we had going on (medical bills basically) and told them about that Jack*ss that was calling me and being so ignorant.

I think it all depends on who you talk to at places like this?

I'd like to thank everyone for their insights! I really appreciated them.

Call blocking doesn't work. We use computer dialers that call out using tons of numbers that are encoded to display the same number on caller ID. It's alot more hassle to try and dodge and fight than to look at what you can do to get rid of us. I'm betting your both fairly delinquent...like 3-4 months or more. Ask for a settlement if you can afford it and get it split in 3 payments. Settlement means you pay to the penny what you charged no interst and no fees.

Call Blocking does work! I know, I have it!

those guys called me twice today, that 800 service thing and hung up...and i got a thing for a credit card for capital one a few days ago...do they want to give me money? or take my money? cuz i have none....

I just started getting calls from this number and was wondering if you guys have heard anything else on them...?

Marilyn,

Talk to your phone company in this matter. You might be able to get this number blocked.

First off about the phone calls. You have to request in writing that the company not call you more than once in a 24 hour period. You can state the exact time, but most of the companies find ways of getting around this. If you record the conversations and they harass you by cursing or even making a threat, you should IMMEDIATELY take the recorded conversation to an attorney or the FTC. The collection company will have to remove any and all information they have supplied to credit bureaus, forfeit their license as a collection company, pay fines to the FTC in excess of $50,000 for each violation, plus pay punitive or general damages to you in the amount of $1000.00 per charged violation.

Encore is pretty bad, but believe there are worse ones out there.

I did a search on the internet and came across this information.

Encore Receivable Management, Inc.
117- A Commerce Park Drive
Westerville, OH 43082
Phone: 614-865-0724
Fax: 614-865-0727
Contact: Teri Strahine Senior Vice President
E-Mail: tstrahine(at)encorermi.com


thought maybe someone might could use the email address?? shirley

these people are calling me also, several times a day and when I call the number back, they don't even say who they are and I haven't received a letter in the mail from them either, so I am not talking to them.

You don't have to talk to collectors if you don't want to. When I was in a financial farce because my ex was throwing out my mail, leaving me ignorant to my own financial farce, I settled with the original creditor for less than what the collectors wanted. Yes, it did leave one black mark on my credit report, but the score is good (712) and no collector had the sick pleasure of adding spoilers to his dink-lengthening car at my expense. Commissions are a nice incentive, don't get me wrong. When I collected student loans, I maintained my dignity and that of the borrowers, and I could take pride in recieving bonus checks for the fact that I rehabilitated enough loans to help people rebuild their credit and financial security. The job I just quit, collecting payday loans, bank cards, and med bills was just an office of bloodthirsty pirates who got bonus checks on the backs of people who were just barely scraping by. There is no pride in that and I hated it. Too depressing and the fricking manager was a complete basket case!

This company calls my house atleast 10 times a day and it is getting VERY annoying. They do not leave a message and I want them to stop calling my house

You can send them a cease and desist letter. Do you know why they are calling?

Or you can bust their balls very time. If you don't own a fax machine, get a police whistle, a blowhorn, or a whoopie cushion. Your choice of course. Encore is just retarded, they are also so full of you know what that they can be smelled from miles around, and by the way, if it really is you they are looking for, don't pay them jack because you will never know where exactly your money is going.

I got a letter here while back from Capitol One apolozing for the conduct of Encore Receviable Management. All Cap 1 was doing was covering their butts.

Cap 1 is crud. I canceled my two accounts with them because their service stinks. My USAA is much better, so is my Chase. I haven't decided whether or not to toss my HSBC. Haven't used them in over a year.

HSBC is suing me for non payment and they ahve been receving payment through consolidation and we have the copies of the checks they cashed from T&C.

Well then they are wasting their time and money, not to mention embarassing themselves since you have proof that the account is in consolidation.

My husbands Dell accounts were with Encore at one point. After sending several 'validation request letters', they turned the accounts back over to Dell. guess they didn't have what it took to fight me on it. Be strong with them and don't whimp down---thats the ones that like. shirley

Sprint turned me in for not paying our bill. I has stopped my service due to me going to another provider. I was waiting for the end bill to arrive. After one month I received a phone call from Encore. I paid 181.10 to them but the other 39.86 had already been paid to Sprint. I told them this. I keep receiving harrassing phone calls as well and a lady named Mrs. Witt was horrible to me. She told me I was a loser cause I didn't pay the bill. I did and I have proof that they cleard but she told me that I ahve to take this up with Sprint. Of course, Sprint conveniently doesn't have any of the payments that I paid. I had to fax a copy of both checks to Sprint. However Encore won't let me send those copies to them to show the proof that the bill has been paid in full and I don't owe any money at all.
Please help I don't know how or who to turn to to get it off me and stop the phone calls.

Tammi, talk to a debt counselor or an attorney if you can't fix this problem on your own. This problem is due to lack of information between both the companies. It will get solved once your files are updated. Do a free registration in this website and a counselor will call you back. Discuss the problem with him and he will help you in fixing it.

your staff is very rude. they do not identify who they are and call multiple times. I know the call is coming from your folks and they need to cut it out!!!!! I am placing a complaint with the PSA since you are violating my civil rights. someone has used my phone number and now I am receiving harrassing phone calls!!!!!! I will enter into a class action suit if this continues!!!!!!!!!!

I know, people working in Encore Receivable Management are full of jerks. Call them directly and put your point to them. Send a cease and desist letter in their mailing address to cover your legal basis.

Encore Receivable Management, Inc.
117- A Commerce Park Drive
Westerville, OH 43082
Phone: 614-865-0724
Fax: 614-865-0727
Contact: Teri Strahine Senior Vice President
E-Mail: tstrahine (at)encorermi.com

How horribly emabarrasing. After changing my home number some how they got my cell..and worst of all my neighbors number!! I have my cease and desist letter ready to mail certified. But reading the above post I am concerned if they will abide by it.

If Encore does not follow the federal law of cease and desist communication, ask your neighbors to take actions against them on legal grounds. Consult an attorney specializing in fdcpa violations. The collection agency must compensate for each violation after you win the case.

Encore will ignore the cease and desist letter. I sent 4 of them and they stated that they don't have to obide by the letter or the fdcpa because they do in house collections for Capitol One. After we hired a lawyer against them, I received a sappy letter from Capitol One stating that they apologize for the conduct of Encore Receviable Management. They werent sorry, they were sorry that they got caught.

Hello!

I have to jump in here. I want to help you all out, because I see soooooo much law breaking and deceiving going on here.

http://forums.debtcc.com/forums/guide-dealingca.html

I say: Mr. CA, I'm not fighting or dodging you. I'm gonna make you validate. If you refuse to validate and you send another letter or phone call, I WILL sue you!

Tammy, it is past time for you to sue sister! Gather your evidence and head to the court house!

Mom of twins, well done my good and faithful sister! I look forward to hearing about what you will spend your settlement money on. Paying off a debt that's really yours and is validated by the OC? Perhaps some new clothes for the kids? Maybe a night out with you hubby?

Friends, you owe it to yourself to learn the FCRA and fdcpa. Especially the FDCPA! Sue these companies that are harrassing you. They deserve it for breaking the law. Besides, do you know why congress created the FDCPA? You can read it in the Act itself: to keep debt collectors from harrassing people and breaking up marriages.



A call to arms! A call to arms!

Thank you for the beginnings of an informative post. It seems you may in deed have a wealth of experiences and knowledge. Please take a moment and register for the community. I can understand your reluctance to put some of your information out there, but by registering you than give others and your self the option of using private messaging through the forums.

I tried to. But evidently I didn't do it properly and I signed up for something else....? Duh! I'll go to the home page again and see what I missed....

There we go. Much better.

Demoncasterouter, here is some fun forum trivia that I'll be you didn't know!

The two members you just responded to, Tammy and mom of twins... are actually the same person! She just used that screen name before she officially signed up, then changed it twice since!

I changed it twice do to a certain poster who was being rather quite rude and slamming good intentions. We all know who it was.

I have read those posts earlier. Tammy, you have now become much more confident and stronger in your approach. Now we can handle these slimy collectors who have no good intentions but to threat us. Nothing to worry. There illegal activities are now uncovered and they just can't continue with that anymore. We just have to stay strong.

i actually work for encore,, the reason y we are calling is bec of debts,, we are actually helping u people out,, instead of paying for the balance in full we have payment plans for the monthly MINIMUM payments to help debtors bring their accounts current and display 0 days of deliquency,, and no,, and pls try to call the 1800 number that was registered in ur caller id and when calling pls give ur name and fone number so we cud pull up ur account,, iv been cursed plenty of times during my 4 month stay here,, but i enjoy collecting debts,, wyl there are a - hole debtors,, there are actually nice ones who just comes short of paying the amount past due and ends up thanking us once we set them up wid payment plans,, and oh we can waive late fees,, something that ur creditors cant do,, if u have further questions just ask me ok

i work for encore,, we deal wid debts,, how may i help you all..?? any questions..??

Encore is one of the rudiest collection agencies I have ever dealt with. They would call from one place and claim to be callng from Kansas. The calls would start at 7:30am and wouldn't quit til after 10:00pm at night. When that was brought to the attention of Encore, they stated they were calling at the right times in their time zones. Wrongo, you have to go by the time zone in which the debtor lives. We have several recorded conversations where collectors from Encore stated they didn't have to go by the fdcpa laws and that they didn't have to obide by the cease and desist letters for they weren't 3rd party collectors. I received a letter from Capitol One apologizing for the actions by Encore Receivable.

and for the calls u receive wer u dont hear anything dats bec we are on a predictive dialer,, so u myt be at the other end of the line but we havent picked up the fone yet..

I just got my very first call ever from Encore. The call was for my wife, and Encore refused to tell me the nature of the call, or the nature of their buisness, as it was a matter they had to discuss with "my wife" not "me". They've already charmed the pants off me. I can't wait to deal with the next round. Expect more posts and probably questions from me. Thanks for the board.

"And for the calls u receive wer u dont hear anything dats bec we are on a predictive dialer,, so u myt be at the other end of the line but we havent picked up the fone yet.."
_________________


^^^anyone care to guess why there are so many entry "mistakes"?^^^

How can the govt allow people like this to have access to our files???? Are there no rules for such jobs? Certain requirements such as the ability to make a complete sentence with less than 21% of the words derived from moron language??

This is how "mr smith" gets his credit screwed for "mr smithersons" debt.

Well I see that I am not the only person being harassed by Encore. I received 11 pre-recorded messages in one day. The y continued to call after I agreed to payment arrangements, on the sdame day and the next. I file a complaint with the FTC and will send a cease and desist letter via certified mail. They are over the top and so annoying.

Real quick, before the bashing starts... I have spent over 3 years at encore and they have been some of the best of my life... I have learned a lot and I'm going to give you all some insight that I feel you should know, and maybe, just maybe after you hear what I have to say, your still not going to like us, but you will understand a little more of where we come from...

Which ever collector is typing on this forum, please stop! I appreciate your effort to explain how we operate... but your making us look like idiots.