<?$C=FGCI(830);$topic_title=$C[FldCreditorName];?>

The company is a collection agency and provides collection related services.

Exceptionally rude collection agents with no regard to the debt collection laws. Threatening and use of strong arm tactics to gain and acquire information from others not related to the debt.

Company doesn't want to accept proof of payment from a debt of $168 to Fashion Bug paid in October 2002. Exceptionally rude, telling people to look up certain words in dictionary to understand the meaning of words. They refuse to even speak with me unless I am prepared to pay $168.00 today with a check or credit card.

Send them a cease and desist letter. I just did. If they continue to harrasss you we should all get in touch with one another and file a group complaint.

Got a call from a worker at this particular debt collection agency named Monique. She was exceptionally rude with me when I had asked her who she represented she spoke very quickly and when I asked her how she acquired this number since it was my roommates number, her reply was that Verizon gave it to her. When I askled her for her companies info she told me to "look it up" and when I asked her again to tell me who she represented she told me again to "look it up." Then when I told her I would be reportingher to the FTC she became verbally abusive and asked me repeatedly when I was going to pay over and over again without letting me speak. I asked for her supervisor and she refused to give me the info for that and hung up.

Dennis,

You have the right to know the details of the debt they are trying to collect. Unless you are confirmed that you really owe the amount to them, why should you pay? If you get any call from them in future, ask them for debt validation. You can also send your request through certified mail, provided they give you their address.

Collection people cannot abuse you over phone, nor can they use objectionable words. They are not allowed to threat you by any means. If they do these, its violation of fdcpa and you can file complaint against them with FTC, BBB or DA's Office.

Wish to hear more from you.
Bryan

Hi Bryan. The assault is continuing!! They called again this morning pretending to not be there when they were. I called them back this afternoon and told them to quit the calls until I receive any paperwork. They claimed that they sent them and they sent them to the wrong address. I just got 7 calls in a row after I called them to complain about their reps. I just talked with a supervisor and I got more attitude. They stated that they are going to start reporting on a debt that was never there before on my credit reports. Basically I am fed up with them. I told them I was going to sue them and they laughed since it was over $148. Oh well!! Anyone wanna join me?

Any company does not have the legal rights to report a debt which doesn't exist. Basically, they are trying to threaten you so that you pay the money to them out of fear.

Consult your attorney so that he can deal this matter legally.

After telling KCA's employee who identified himself as "Mr. Ramos" numerous times that a debt to Verizon had been paid, this idiot still called me wanting $180.00. I finally got fed up with the calls at work (which I asked him to stop) so I called Verizon and had one of their customer service representatives call him to inform him this debt had been paid. She informed me that he was very rude to her also. Not surprising. I am writing a letter to Verizon and hopefully they will not use this collection agency any longer. This man is a total idiot.

Diane,

According to fdcpa, collection agencies should call consumers at the most convenient time and place defined by the consumer himself. They must provide debt validation before they start collecting the money.

You can file complaint with BBB, FTC if you find any collection agency is violating these rules. It will help the authority to identify those who are indulged in some unfair activities.

To know more on the debt validation weapon as per the fdcpa law, you can read the page given below:

http://www.debtconsolidationcare.com/validation.html

So has anyone heard this excuse for them to call you yet?

I paid KCA in August for a $63 medical debt. They called me last week and said that I authorized a "charge back" for the money. When I explained that I didn't they said that I must have because the paperwork was there in my file. I asked to speak to a supervisor and actually got one (I've talked to 3 now) but she was completely unhelpful. Although she did say to call my bank, which I took as a decent suggestion. When I called my bank they didn't know what KCA was talking about and now KCA operators are becoming ruder and ruder everytime I call them asking for some more information about the supposed "charge back." Today I called them and the woman refused to put me on hold to go find the paperwork, she simply hung up on me. Although she was far from the worst I've spoken too. What exactly can I legally do now? All I want to know is where my money is.

Leyla,

Send a letter in writing and request them to validate the debt if it is a genuine one. They will have to put it in writing as permitted by the fdcpa law.

Is that still a good way to go about it if I already paid the debt?

[quote=Leyla]Is that still a good way to go about it if I already paid the debt?[/quote]

No, never. None can compel you to pay it again once you have paid the debt. Hope you have kept all the documents of the payment. Send copies of these documents to KCA and ask them to stop calling you.

You can pull your credit report also and check the status of this particular account.

As I wrote above, it is just impossible to reason with this company. My problem was a bill with Verizon, that I had paid. So, what I did was write to Verizon and informed them of the type of collection agency they were dealing with. I also suggested they try to using another debt collection agency; this type of behavior by KCA reflects on Verizon and I don't think they want this kind of publicity. Write a letter to the Company you had the debt with and let them know what is going on. Maybe that will help.

I learned that someone stole my identity and charged up a Verizon bill. I would have learned months ago but the rude reps wouldn't tell me who the creditor was.They kept asking for my information, SS #, etc. After my responding in kind last night to their lovely street verbiage, they accidentally blurted out the account I was allegedly in debt for was last year.I verified today with Verizon a telephone # from a place where I have never lived. I contact KCA and leave a message for them to call me so that I can initiate a fraud packet. here I am begging them to call me. Of course they never did. How do I get their address, my acct. # with them (imagine that)so that I can work with them...... was pleasant on the voicemail and even made light humor about my asking them to call me back.

Rem

Here is the address to contact KCA FINANCIAL SERVICES INC

628 North Street.
Geneva, IL
United States 60134
Phone 630-232-2545

If you want to activate a fraud alert in your credit file, contact the fraud department of the three bureaus and an alert will be placed in your file. Your information will be shared within the three bureaus and anyone misusing your credit will be brought to legal attention.

It is truly amazing that they have a "night voicemail" on at a time when the staff would otherwise be calling you. I did hear from someone who gave a name and an extension. I will have to call them during regular business hours. I really appreciate you help.Another question,who does the original afidavit of ID theft go to? The local precinct? They say not to send it to the FTC........Thanks again, ahead of time... ..............

If there is an ID theft, the affidavit needs to be sent to the credit bureaus first. The fraud alert should get activated immediately so that no one misuses your accounts.

Dear Moderator, We get calls to our home weekly, if not more frequently. No identifying info is left, simply: "Please call 800-XXXXXX on an important business matter. Use the 800-# as the reference number." We have called 3 times and have been unsuccessful each time in finding out WHY we are getting calls. We did find out that the company is KCA Financial Services. They don't have our names, or addresses OR TELEPHONE NUMBER in their database, but they are unable to remove us from a call list. BBB won't take complaints like ours (I already tried), but I have filed a complaint with FTC. I will also write a letter asking for written debt validation. Any other suggestions?

Pat,

Lots and lots of people are facing this problem everyday. Perhaps these callers use a dialer system that has some technical problem or they intentionally do not remove any information from their database.

W/e, are you sure they are contacting you to collect some debts? You have mentioned that your name and address is not in their database. So send a cease and desist letter through CMRRR. Keep these records safely as the evidence of your correspondence.

Try to file your complaint with FTC or Consumer Protection Office of your state. Do keep us updated on this matter.

Another rip-off collection agency ...

Class action against this company has started here in Ohio

I am in Florida and KCA debited $142.47 out of my checking account and I have NO outstanding debts. I called them and they have no idea who I am. KCA insisted I was related (and somehow responsible) for someone else's debt with the same last name as mine...
My largest concern is how they found out my personal checking account number and accessed it and I do not have any bad debt!

Does anyone else have a similar situation? Please let me know so we are able to pursue same together.

I was hung up on yesterday when talking to a "manager" at KCA. They are trying to collect more money from me than what is owed. Where do I go with this?? How can they do this?? It is a 100.00 discrepancy that I am fighting - she told me she was going to ruin my credit report.

Brigid Hay,

Dispute it. Whenever you identify any discrepancy in what a collector claims, dispute it. Send them a letter mentioning the incorrect item. Then they should verify it and send you out proper response.

One more thing, wrong information can never ruin your credit. If they report it to credit bureau, FCRA allows you to dispute it. So there is nothing to worry.

Thanks Bryan -

Thanks for the info. How can they stay in business like this?? They are obviously crooked. I sent them a fax stating that I want all correspondence with us to be written because I feel like they are trying to cheat me. We'll see what happens. It is comforting to know that I am not the only one having issues with them.

They are sooooo rude. They called the day after my husband died last week. I said to call another day to talk to me and he threatened me and said "deal with it lady and pay your bills" They won't send me copies of the invoices either. :(

nurssetam57,

I am so sorry hearing what happened with you. How can they be so unkind? According to fdcpa they must you send you written documents entailing details of your account. Send them DV, make it certified. They should send validation once they receive this letter.

You can get their address at the top of the previous page of this thread. Hope this helps.

Per my phone conversation with Josh West today I have agreed to pay $200 in Jan '06 and $200 in Feb '06. At the end of Feb 06 I agree to revisit the amount we are paying and will discuss in good faith our ability to increase the amount we are paying. Please let me know if this meets with your approval?
Kevin O'Brien



Email deleted as per forum rules-Mike

Hi Kevin,

Welcome to forums :D

Please contact KCA to get your payment plan approved. This site has no connection with them. This is debt consolidation Care and this is the page where forum members have posted their feedback on this company.

In oct 2005, I found out about an outstanding debt with MCI via calls from KCA financial. After many calls from KCA, I finally recieved something in writing that gave only an account number and amount. I submitted a letter of dispute and recieived nothing back. KCA says they mailed the details and that I should check with my mail man. They even refused to fax the info. I have since found out on my own that debt with MCI was from 2003 and 2004 and was written off by MCI in Dec 2004 -- all totaling about $200.

4 Questions:
1) What is the statue of limitations for a national / international company like MCI?
2) If I pay KCA now, how might it affect my credit?
The actual debt written off is about $50 less than KCA says I owe. I have a statement I can send to KCA showing this, will this be enough to resolve the descrepancy?
3) I told KCA over the phone that I would be willing to pay via money order or bank check - is this a mistake? (Of course, they told me they wouldn't accept it - that they needed credit card or check payment over the phone.)
4) In most conversations with them (even managers), they have been rude, threatening, demeaning, and actually told me that if I called again, they would have me arrested for harrassment -- even though all I am doing is trying to tell them that I would be willing to resolve this with a money order payment.
Again, this is money that most likely was due to MCI (I had not previously received collections calls or letters from MCI and MCI wrote the debt off in 2004.)What actions should I take?

Statue of limitation varies with different states. So you have to check it with your state laws.

No legal action is enforceable for a debt that is past SOL. But that does not stop collectors from calling you. If you pay a single dime to an expired SOL account, the clock gets restarted and you become subject to legal actions again.

Have you checked your credit report recently? Is this account listed there? How is it showing, charged-off or collection? Both of these are negative marks. You can make it better by paying the amount in full, since it has long way to go to complete 7 year reporting time.

If you find a difference between the actual amount outstanding and that has been claimed dispute it. If they fail to respond to two consecutive dispute letters, you can ask credit bureaus to get this entry removed.

W/e be the mode of payment, make sure that you have records of your payment. Also make an agreement clearly mentioning the account number, amount and other details. MO is fine. It will help you keeping your checking account details secret.

You can talk to MCI, if possible to confirm the current status of your account also.

Just remember, they have the right (if they tell you) to record your conversation....That works both ways...(wink wink knudge knudge)

i would like to know what bills im being charged for and why they appear on my credit report?

beverly richied,

It seems that any of your debts has been transferred to KCA Financial. This company is a collection agency. Since it is appearing in your credit report, you can easily figure out which account are they holding. You can speak to them and ask for DV. It would be better if you send your request through CMRRR.

Or speak to your creditor directly and see if they can help you to settle the account. Keep us updated and ask your queries in forums if you have any.

to respond to someone info not being pulled up by a kca rep, lots of times yur phone co will have lines forwarded into your line w-o your knowledge-dont be so quick to judge that just because they are a collection agency, they are out "to get" you

I bought a business a year ago, opened an account with Verizon using the original shop phone number, and just recently began getting harassing calls from a Chris Mcadams. This guy had my office manager in tears, called me names, and used foul language. I offered him the original owners name and phone #, as she is payingoff all the old bills, but he just kept hammering on me. After a call to Verizon, and a cancellation of some of my services to Verizon, I got a call from Verizon apologizing and telling me they pulled accounts from KCA, and requested the firing of this McAdams guy...then KCA called and apologized. I am still filing complaints with the FTC, the BBB, and with my state congressman...I think there's a class action suit here for the right lawyer.

Dana's Transmissions,

You may like to call a lawyer to inquire if you can get any compensation from them. I think they should pay the penalty for harassing you.

this rediculous accusation about myself for thomas whomever for his transmission store is proposterous; he called me first of all, i answered all his questions and had some of my own i never used vulgarity when speaking to him and am sad to see the someone views themselves as too good to recieve a call from a working man like myself thomas no hard feeling but sir u were out of order on all of those phone calls with your disgusting choice of words for such a simple situation shame on you thomas

I also have had the displeasure of being threatened by this company, both Angel Ramos and the "manager" Paul Heckum for this KCA agencies, are they legit,they are calling me looking for a bill that was paid on time and was never late for an address I moved from over 3 years ago, who can I report this company to.

Janet,

KCA Financial Services is a collection agency. What is the current status of your account? Is it paid in full or holding some balance? Perhaps they are trying to collect the outstanding amount.

You can send them debt validation request through certified mail with return receipt requested. Also add one paragraph stating not to call you any more and mention that you will like to be contacted through letters only.

You can also inquire with your creditors if they will accept the unpaid debt or not. Keep us updated too.

I (on my own) called KCA to pay an unpaid bill with Verizon and they were just biggest idiots ever! I was transferred to a girl who kept telling me other peoples personal business, kept yelling out responses to another worker there while she was talking to me. As well, she would be in the middle of explaining things to me and just put me on hold suddenly without any notice! Talk about SEVERLY unprofessional people. I can't believe we have to give them our money and personal information!

Ali,

Consider sending them letters. Also mention your experience when you called them to work out some solution. Mention the date and time of the call as well. Keep copies of the letter with you and send it via certified mail with return receipt requested.

You may like to contact your original creditor as well. Explain your experience with KCA and try to settle the account directly with your creditor. Keep us posted.

many of the things stated in this forum is general and idiotic in itself.Yes, if you owe money a collection agency will call you.Your job as a consumer is to investigate the debt and resolve it with proof(actual proof) that it has been paid or eradicated by the client.So many people whine that they are being called by a collection agency when they just curse out the collector and fuels that collector to call back-be smart people,get your ducks in a row and utilize our mail system(request confirmation of delivery).Actually explain the problem to the agency without calling them idiots and you might be helped actually instead of being out on hold and ignored-sincerely, a HELPFUL KCA rep.

I have been getting calls from KCA since December on a debt that I do not owe. There's no reasoning with them. Be careful, these people use intimidation tactics (their number comes up on caller ID as 630 usually). Anyway, in my state of MA, collection agencies cannot call more than twice a week. KCA has been calling me sometimes 10 times a day. The calls are documented so if anyone wants to join me in a class action, let me know soon (email ). If not I'll sue them myself.


Email deleted as per forum rules-Vikas

KCA is completely unprofessional and if anyone is filing a class action against them in Illinois, please let me know. They have been harassing me too and whenever I try to have a conversation with me they end up hanging up on me. I have requested that they only contact me in writing and they still keep calling. They offered me a deal to pay off the debt I owed, so I took it, and then they told me the deal was never offered and are still trying to collect more money. It's so frustrating.

Quote:

I requested they only conatact me in writing via a fax. Is that good enough or do I still need to it through certified mail?

I would go with certified mail with return receipt requested because the stub that returns is evidence that you sent the letter and they received it. So further harassment can be treated legally.