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

OHHH.... That was not even me... What was someone else. Mine was the 1st one.

exactly.that guest want's to insult.they get deleted.glad you came back.

But if you want anyone to take you seriously and not just another troll in disguise, stop hiding behind a Guest ID and register.

Okay I did. Im not scard to register. But Im not In debt that was my only thing about signing up. I just did that for some trust so...

Whit

BTW, Name name is Whitney

greetings whitney.hopefully you can help people understand how collections works.the good and the bad.we have a few members who do recovery and do it professionally and fairly.stick around you'll be glad you did.

Thankyou very much!!! :P

okay this is Goodcookie, I cant figure out how to change my password or make one bacause it never asked me and I never got a e-mail... so... I donno what to do...

So, This was my approch when I worked at Encore. 1. Instead of introducting myself as a collector I introduced myself as a account manager because, I felt that it sounded more professional and the people I called was less angered by my call. Because alot of ppl were mean there and rude and I would rather take the more professional and polite approch. 2. I gave options lots and lots of options. Let me also say A secret of collections. Has someone ever gotton angry and you because instead of paying by a check by phone you wanted to mail it in??? Reply to this and found out the reason why,

oh sure,the people you called were mean and rude.PUH-LEASE,you keep thinking that.also it's the consumers right with all the identity theft and scams to send payment to a physical address.bottom line you worked for a bottomfeeder deluxe,and nothing you say will dispell that.

ook, whitney, i'll bite....please tell us why they get all mad. my best guess is this--money in hand right now is the only thing a collector wants, because promises are made and broken all the time. anyone can say "I'll send you a check tomorrow", but few people would actually do it. so, my guess is that a collector will lie and claim that "you can only pay with check by phone right now" to avoid getting a broken promise, and to get money in hand right now.

Of course, no intelligent person should ever give out their banking info over the phone to a company like Encore, they are a bunch of crooks. And in the past, they have cleaned out more money than they claimed was owed from people's bank accounts. So, if you ever intend to continue collecting, remember this--if you push that "you can only pay with check over the phone today, or we're suing" garbage, keep in mind that you could very well be responsible for someone being defrauded out of money that your collection company has no right to take.

Exactly when you do a check by phone its not bad but your boosting that collectors ego and Bonus.... Example: If I was to collect well.,... I get 3 grand on a 2 week check. Maybe that money that they are awarding collectors should be used to help people get out of debt. But I would Advise to always do I check my main (Mail). Unless Your about to charge off and want to save your credit or a settlement offer has been offered to you. IM really happy that Im here to help. BTW Paul I am now a Manager at my other job. Taco Bell, It is so much better there. Im happy I made the switch.

What cha like there?

I paid Encore in full for an account I had with Providian, Encore sold the account to another collection agency who is now calling all the time. Encore have not sent me a paid in full letter for 3 months now despite my asking for the past 3 months. Can i take legal action against Encore? Help anyone!

if you have proof of payment send it to this other CA asap.then i would look into legal options.also send a DV and C&D letter to this CA.send it certified mail return receipt.

Dear HATEENCORE.

When you do the BIF, Providian not Encore is suppose to send you that statment. Try calling providian and demanding the calls be stopped. Also, If you have that confrimation number (if you did a payment over the phone with them) try to fax that to providian also if you have that bank statment fax both of that over to provodian proving that you paid that. I do kno for a fact that In Dell Financial if I ever had a BIF paid Dell sent the CU a BIF letter or a settlement letter. Starting a law suit against Encore would be a waste of time. Im not defending Encore Im just telling you the truth it will just turn around and be a law suit against Providian because providian hired Encore as there collector. If the dont stop calling and Providian doesnt send you that statment start a lawsuit because its providians responsibility to send you that letter because thats where you owe the money you dont owe it to encore.

For a couple of months now I have been receiving several calls a day from this company as well. Same as everyone else, there is usually no one there when I answer. And when I do speak with someone, they are asking for someone other than me. When I explain that they have the wrong number, they want me to verify my full name, address, and social security number!!!

ENCORE RECEIVABLE MANAGEMENT IS A TERRIBLE COLLECTION AGENCY.

Why are you guys blogging? If you're really Encore Managers, that's not a good idea. We've got written copies of your shoddy treatment of Cease and Desist Letters; if indeed you are actually Encore employees. Dumb idea to provide us with ammo for lawsuits

I ALSO HAD A PROBLEM WITH THIS COMPANY..UNTIL I SENT THEM A cease and desist letter, ADVISING THEM THAT THEY WERE TO IMMEDIATELY STOP ALL further telephone calls AND LETTERS.

In the body of my letter I advised them that all telephone calls would be recorded, supported by monthly telephone bill which itemized all calls incuding the date and time the calls were made to my telephone number.
I advised them that if they continued with their harassment, that I would file litigation in Fedral court or other courts of competent jurisdiction and would seek maximum damages allowed by law. I further advised them that I was considering filing a Class Action against them, and that successful litigation with the FEDERAL TRADE COMMISSION would result in penalties of $500,000.00 or 1 % of their net worth...the greater of the two.

I closed my letter by stating:

"YOUR COMPANY, OFFICERS and staff at all your physical locations and addresses in the UNITED STATES, are banned from this point forward and forever more from calling or sending letters to us. You are respponsible for ensuring that all offices within your organization are made aware of this ban."

You have been advised...govern your actions accordingly.

I remain sincerely yours,

xxxxxx xxxxxxxxxxxxxx

Certified mail, return receipt requested
**********************************

this was sent several months ago....not another call or letter !
Article number xxxxxxxxxxxxxxxxxxxxxx

A MAN NAMED JEROME CALDWELL CALLED ME AND TRIED TO TELL ME HE IS GOING TO GIVE ME A SETTLEMENT DEAL ON MY JUNIPER MASTERCARD AND ALSO TOLD NE MY CREDIT SCORE WAS 733 ON MY TRANSUNION CREDIT REPORT WHICH IS A BUNCH OF BULLSHIT BECAUSE I WENT TO TRANSUNIONS CREDIT REPORT WEBSITE AND IT SAID SOMETHING TOTALLY LOWER AND HE FLAT OUT LIED TO ME. I CALLED HIS NUMBER BUT DID NOT GET THROUGH AND THEY CALL ME 25 TIMES A DAY. WHAT IS GOING ON WITH THESE PEOPLE?????????

A MAN NAMED JEROME CALDWELL CALLED ME AND TRIED TO TELL ME HE IS GOING TO GIVE ME A SETTLEMENT DEAL ON MY JUNIPER MASTERCARD AND ALSO TOLD NE MY CREDIT SCORE WAS 733 ON MY TRANSUNION CREDIT REPORT WHICH IS A BUNCH OF BULLSHIT BECAUSE I WENT TO TRANSUNIONS CREDIT REPORT WEBSITE AND IT SAID SOMETHING TOTALLY LOWER AND HE FLAT OUT LIED TO ME. I CALLED HIS NUMBER BUT DID NOT GET THROUGH AND THEY CALL ME 25 TIMES A DAY. WHAT IS GOING ON WITH THESE PEOPLE?????????

All telephone calls here get logged into a computer by caller-ID information. I manually make any comments as necessary. Encore is one of the callers in which the caller-ID information is unknown name unknown number. I no longer answer calsl from any unknowns, or any credit card companies, or anyone I don't recognize.

I have 3 calls logged from a collection agency where the name was "Walgreens". This was quite annoying as I had a job application in at Walgreens, and thought that I was being called to work.

I just found this forum today because of my scary experience with Encore and Dell. Encore sent me a letter in November stating that I could settle my Dell account for much less than I owed. I called Dell to see if it was a legit offer and they said that yes, Encore works for them and the settlement offer was real. I went ahead and paid the settlement amount in 3 installments and asked the Encore rep I've been dealing with when I will get confirmation from Dell that they closed my account. He said it should be within the next billing cycle and before I get a monthly statement from Dell.

Well, it's almost a month since my last payment (1/27) and Dell just sent me...you guessed it, a monthly statement. I called and the Dell rep said the 3 settlement payments I made show up as regular payments, NOT settlement payments. They are waiting on Encore to send them "documentation."

Meanwhile, Encore says they already sent the "documentation." When I freaked out on the phone, they promised to send it again. :)

I'm stuck in the middle...what do I do now, besides call both of them every day until this is resolved??

I was injured at work an am now on permenent disability. The credit card companies refused to work with me on a payment plan that i could afford on my now $966.00 a month income. I am receiving calls from this company "Encore" with the caller id saying Allstate Insurance Co. I did a reverse lookup on the phone number and found out it was encore! I read another blog that said they did the same thing to him/her but it was id' as Walgreens, someone they had an application into for a job. If you think they dont know EVERYTHING ABOUT YOU your WRONG! Allstate is my actual insurance co. My policy is to never answer the phone unless I know for sure who is calling.

just so everyone is aware, ill clear a couple things up.

for starters, collection agencies only have to abide by cease and desist letters sent within the first 30 days, after we have mailed you notice.

secondly, when you hear no one on the other end, wait a moment. were on auto dialer, and it takes a moment to connect us.

most people claim to have never received said notice, but most people also toss aside or throw away mail from people/places/companies they are unfamiliar with. but i assure you, we send out the letter.

we also do not have to validate the debt, because we are third party, and debt validation occurs within first party.
most people seem to think if they hang up on us, that we cant call any longer that day, because weve spoken to you/youve answered one time. that, however, is not the case. if you hang up, it is marked as hung up, and the calls continue. if you want us to call only once a day, then answer, speak to whoever is on the other end, hear us out, and be curteous (until the other person isnt).

im sure most of you by this point, arent really paying attention to what im saying, and think that im some rude encore employee. but that really isnt the case. i just happened upon this, and so im giving you a few heads up.

please be aware that while some employees may be unreasonable and rude, that doesnt mean we all are. it also varies a lot between departments.

have a good day guys.

-anonymous encore employee (im not giving my name so that i wont be harassed for working for a company)

Encore employee....GO BACK AND GET MORE FDCPA TRAINING!!!!
Were you sleeping thru this section of your training?? Or is this just more proof that Encore violates the law!!


?? 809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

PS....Encore has paid me well for FDCPA violations!!!

Quote:

This is a violation of the FDCPA. You should get help from someone. For a good list of violations, see yourcollectionrights.com

Encore is a bunch of liars it would seem, they certainly have no idea of the law and don't seem to care. They are not publically traded most likely because they can not meet SEC requirements.

So call the President at their 877-213-1160 number William Higgenbothan, or Stephen Panik (VP) or Stacia Taylor also (VP) see how they like it to be harassed.

Then call the Kansas AG's office 785-296-2215 or 888-428-8436 tell them the illegal act and they will help you. I have found most AGs are not very friendly to collection agencies that break the law. It will take a bit of work but it is a good feeling in the end. Nothing like getting a higher up calling and apologising hoping he won't go to jail.

I to have starting recieving harassing calls, they tell me they sent me a notice (no notice recieved) but yet they refuse to give me their mailing address. they want my personal information but refuse to give me their information. They are in violation of federal laws. "See Federal Fair Collections Act" hopefully the address given on this site is correct I intend to send a cease and decess notice.

Is Encore allowed to pull my credit report without my authorization?? I do not even know who they are. My husband and I are looking to buy a house. After pulling our credit report, I noticed that they pulled my credit on Feb 9, 2009. They did not have my permission. I don't even know who they are and do not have any debt associated with them!!

They could have bought some old junk debt. Are they currently listed on your credit reports? If not, then you can dispute it with the credit reporting agencies, stating that you have no business with them and they do not have a permissible purpose.

Encore calls every 15 minutes. The numbers that show on my ID caller are not real phone numbers. It is an "computer automated calling machine" .. if you answer, they thank YOU for contacting THEM, and then wait (until an operator/collector) come on the line. Only then do you know which debt they are trying to collect on.

GE Money Bank uses them. I missed my payment on March 20th .. by March 22nd I started getting these weird calls all day long. Mervyn's stores went out of business, I've paid down my debt quite a bit....until I lost my job. They don't care, said I should have contacted them before the payment was due. TRUE! But still.... why do they HIDE with bogus phone numbers that show they are from Puerto Rico, Mississippi, Kansas, Missouri, and a 555-555-5555 number? Since I am on a "Do Not Call" list, I don't answer them. I only did out of curiosity... that's when I found out who they were.

Banks and Credit Card companies are getting a big bail-out .. however, they do not extend the courtesy to work with most consumers!

:lol:

I have been dealing withthese people for over a month now! I have a phone that's in a friends name and yet, they think it's necessary to call this house up to 6 times a day, even on Sundays!! I have about had it. I get very mean with them and tell them that the conversation may be recorded for qualtiy assurances purposes just like they do me.
But what I love is that they WILL not send me a statement or anythig to even tell me who to send a payment to!! I don't get it! plus on top of that, the number comes up Unavailable. So I of course know who it is and answer it and sometimes they put ME on hold after they CALLED ME!! Then you sit there sometimes and then after about 2 minutes of the cheesey elevator music, it hangs up on you. Then if you talk to this one lady, and she doesn't like that I have to ask to call her back, she just hangs up no more said, just click. Can someone tell me if this company is even legal or not. Becuase they are jumping on the lines of straight up harrassment in my world. I know there are debts to be paid, but with the way things are and trying to keep a roof over my kids' heads, well of course MY CHILDREN COME FIRST!! But there has got to be a limit to what they can and can't do. I now have to spend an extra $7.00 a month to block their calls with privacy manager!! Please help!!

Encore callsmy house like 6-7 times a day. I have answered at times...I have hung upon them. They just keep calling. Iasked for their address and they refused. I once was a third party collector and we were told that if you get hung up on that you cant call backfor three days. We were also told we were not allowed to call someones home or work more than three times a day. So if I ma not mistaken they have already violated the FDCPA just by calling me so many times in one day. They have gotten smart and now their number is blocked.....however, I know in the angencies systems they canpull accounts by phone numbers and it will show every time someone has accessed said account...as well as who did it.

Listen up buster....THERE ARE PLENTY USELESS, WORTHLESS, GONNA GO DOWN HILL QUICK BECAUSE THEY DONT KEEP THEIR EMPLOYEES IN CHECK PIECE OF CRAP COLLECTION AGENCIES OUT THERE....YA KNOW LIKE YOURS. AS YOU WERE PREVIOUSLY TOLD READ THE FDCPA AGAIN. ASSUMING THAT YOU HAVE READ IT AND BEEN TESTED. YOU DO REALIZE THAT YOU CAN BE PERSONALLY SUED FOR 1000.00 PER VIOLATION...RIGHT KNOW IT ALL?????? YES YOU DO HAVE TO VALIDATE THE DEBT....WHEN THE CONSUMER ASKS FOR VALIDATION ( I DO BELIEVE THERE IS A SPECIFIED TIME FRAME THEY HAVE TO DO THAT) YOUR AGENCY IS TO GET THAT FROM THE ORIGINAL CREDITOR AND PROVIDE IT TO THE CONSUMER. IF YOU CANT DO THAT....THEN YOU HAVE TO LEAVE THE CONSUMER THE HELL ALONE. THERE ARE MANY OTHER THINGS THAT YOU ARENT ALLOWED TO DO. THINK ABOUT THIS LOGICALLY WHY WOULD ANYONE WANT TO HEAR YALL OUT YOU CANT EVEN ABIDE BY THE SET OF LAWS THAT SPECIFICALLY GOVERNS YOUR COMPANY. I KNOW THAT IS FRUSTRATING AS A COLLECTOR TOBE HUNG UP ON, CURSED OUT, NOT GET YOUR MONEY...BECAUSE I KNOW YALL HAVE GOALS AND I'LL BET YOU MAKE COMMISSION.....BUT GUESS WHAT IT HAPPENS. LET ME GIVE YOU SOME ADVICE BECAUSE I WAS A COLLECTOR FOR 15 YEARS UNTIL MY COMPANY SOLD OUT TO NCO ( THEY ALSO SUCK) AND I QUIT. JUST LIKE A SALES PERSON...THERE REALLY ISNT SUCH A THING AS TALKING A PERSON INTO DOING SOMETHING THEY ARE NOT INTERESTED IN DOING. SO MOVE ON. CALLING PEOPLE OVER AND OVER IS GONNA DO NOTHING BUT PISS THEM OFF AND THEN YOU WONT GET A DIME. DO YOU EVEN KNOW WHY THIS SET OF LAWS WAS CREATED? YOU NEED TO BRUSH UP OR GET SUED WHATEVER....

Well after reading the posts, I headed the much advice on this page and tonight when Encore called I used the "you are being recorded" line, which was not exactly true since my child was screaming and couldn't get to the in-line cassette recorded. The lady from Encore informed me that it was illegal to record a collections call and I needed to turn my recording device off or face charges. I told her that I refused and she promptly hung up. The second call, 20 minutes later mind you, IN ran through my same spiel and a different encore personel again got irate before hanging up. They have yet to call back. I'm not sure if I'm making head way, but they usually manage a call every 20 minutes from 6:30 am-10:30 pm 7 days a week. Yes you heard that RIGHT, they call 7 days a week. The other funny thing, the account they call about is with GE Money bank. I pay it online and clicked the "contact us" link a few weeks ago. I received a response from GE Money Bank informing me that they handle all their own collections and do not use a third party. Odd is it not? Any ideas how Encore has locked their sights on me? Perhaps cruising the credit reports or received "leaked" information from somewhere?

wow i was suprise after getting so many calls from collections for my brother. A lady called just moments ago and left the number 18887857719 and her name. I was writing the number down and saying it outloud then hung up. My aunt had overheard it and said is that collections for your brother. I was like nah it's just a courtesy call. Gees, I was wrong until I found this forum. Now I know why we've been getting so much calls lately for my brother. It's been really annoying. Now I'ma grill him for being irresponsible with cc's and make him do something about it. He's the kind of person who uses cc's freely and acts like it's nothing. And I know my parents are gonna go berserk when they find out because my mom would always pick up the calls not knowing what's going on. They're frustrated with the calls already. Now I've turned the ringer off and don't care whoever calls.

Hi. I'm a new Collection Care Representative of Encore Receivable Management. I will be starting this May 11, 2009. I must tell you I am quite surprise by your stories. I can't believe I'll be working in that kind of company.

I'll try to answer some of your questions when I'm on their system already.

Later!

you will be assimilated by encore.resistence is futile.

:twisted:

Do a google search. Lots of violations. Encore paid me for violations.

I WANT THE DESCRIPTION OF CASH & RECEIVABLE MANAGEMENT FOR MBA FIN

??

I've also been getting these annoying calls. They are calling for someone who has the same name, but lives in another state. Each time they call they tell me that they are taking me off the call list. They have not, so it's time to turn the tables. Encore is owned by a company called Convergys. The president and CEO is named Dave Dougherty, and he lives in Cincinatti. The next time I recieve a call from Encore, then Dave will be recieving a midnight call from me!

Hey, I work in Cincinnati. I could find out where he lives and have someone put instant mashed potatoes on his lawn. With all this rain we've been getting I'm sure it would be a good laugh for us!!!!l


LOL!!!!

They are calling my house with a recording for someone
who does not live here - very annoying. When I call
the 800 # they leave on the message, it is nothing
but advertisements.............who are these people
anyway ????

My sister in california has been receiving annoying phone calls from the company and she just now told them she doesnt have anybody there living by that name. well first of all they have my name wrong.. and she just got there phone number. I will pass on all this info to her.