Riscuity threatened to arrest unless payment in full

I dealt with them before and they are ruthless. They took $300.00 out of my account a week early and caused my insurance and other things to bounce. Of course the bank paid it but not before tacking on the fees. I dealt with some lady named "Ty".

The last 800 number I have by a company with a name very similar to this is 800.716.6780. If this is the same "financial service' that wouldn't tell me who they were after months of harassment when looking for somebody else, then these people are bad news. They don't care if they're calling the wrong people!

bss, I missed your post before writing mine. I also have the same problem, Our calls started 2-3 months ago for some lady named Akiva (thanks. lady, btw). We told them she doesn't exist at this number, then had to keep renewing our voice mail recording so the bad-English speaking lady would understand it was a wrong number and even put them on selective caller reject - only to have them get around it by calling from yet another 800 number. Today was the last straw when the lady stuttered & couldn't even remember who she was even calling when leaving another messege and I'm tired of having to delete them. I called the number and there was no recorded business name so I had no clue who I was calling. A guy answered and in his voice I heard the doubt - he thought I wasn't telling the truth, like I was pretending not to be the person they've been trying to reach. Like I'd call them and tell them off if I was her??! DUH! He even questioned the address on file, which was of course a PO Box. He finally asked if I wanted our number removed. G,YA THINK??? We're unlisted, unpublished and are on the DNC list. My provider had to call to get the info that they're a finance company and he said he was told riscuity and they lied about having our number on file AND asked my provider for a SS#!!! Why do they need/want a SS# for someone who isn't even in their file? And why ask our provider that? They try calling here again I'll nail them because I now have proof, thanks to my provider.

In Pennyslvania you can *57 (check your local
phone book) and the phone company automatically
traces the call (charges apply) but you have a record
of how many times a creditor calls you (especially)
if they have the wrong phone number and then you SUE THEM. You have prove positive

all of you need to know there are laws BUT for every law protecting you there are 10 laws around it. I work in this field BUT not the old time debt collections, we pride ourself in resolution of the bills and that is what our company does, we resolve if its close, pay or dispute the bills. But what I see in most of these notes are only half true, YOU DO HAVE RIGHTS, but you also need to understand so does the collection agency. they can call your home fomr 8-9 7 days a week unless your state does not permit daily calls, they can leave messages at friends or fmaily 1 time, they can also recall friends or family IF they find the friend or family might have new informaiton. they can call your job, they can do lots of things. YOU CAN STOP it but once you stop the calls or letters you force them to process legal action. just remember IF YOU DO OWE the funds you need to do something to pay them. It will not go away.
unless you put it in writing, sent certf mail they can continue to call you home, as for you work the law says they must cease if you tell them to but honestly its your word against theirs. they can call and verify you employment even it you say not, they can report it to the credit. the bottom line is IF YOU OWE THE BILL PAY IT, don't pee them off, they can sue you, and don't think they don't have a copy of your check, they do, it may not be sent to you upfront but they only need to tell you who you owe, how much, who they are, and then if you request proof in writing send you the contract or check in question. just make sure when you lissen to all these poeple on this site that you don't have select hearing or select reading. when we are mad or upset we tend to do that.

First of all,if you read Gretchins' post there is a thread for all the fdcpa reg.,second,no one here is trying to get out of paying anything. We are protecting our rights not to be threatened,cursed at,screaming etc.,that I myself have been prey to. I have and wanted to pay off my debt,but a few of the CA reuse to even talk,without calling me everything but my name,and hang up. The point is,everyone need to be sure this isn't an old debt from 20 years ago,like mine,and the CA has the legal right to collect,before making payment arrangements. And never give out your bank info.,send them a money order,something that does not have your info.Many people have had draft after draft,without authorization taken out of their bank...Karen

Is there a letter or something that I can send to Riscuity to tell them to stop calling me at my job. The last time I spoke with someone there, they were very rude and disrespectful to me. They lied and told me that their employees will not be calling me, but their supervisors, but they do not identify themselves as that. I also want to report harrassament on them. Please help.

As a recent fired +++++good employee+++++++, i can tell you i was fired because i would not join the thiefs in cheating people any longer. Several of us got fired, or let go because we did not collect money, the probem was we would not lie to people and lie to get information to get money they do not owe, these master of thieves. This company purchased paper from a company that was closed down by the state of nc, the company was ban from collecting the checks and told not to contact anyone, they must write the bill off because of the laws and lawsuits. Instead of doing that they sold riscuity the business for penny's on the dollar and now we or the payment people deposited all these checks knowing these peolpe did not owe all this money, see what we got told was you writed a check for 900.00 and paid 350.00 so really you just owe 550.00 but they have a check for 900. So riscuity deposits the 900.00 and keeps the money, we got told to tell you riscuity sent you the moeny but really didn't so you need to go to the attorny general and check this law suit stuff cause they is in big trouble and now all of us are getting in trouble.......you need to file a law suit or call the state. We all got canned cause we could not keep getting all of you to pay what you don't owe.

I know where you're coming from! A few months ago I was driven to quit a similar job collecting credit cards and payday loans that were years old, paid off, bankrupted, and junked in any other way. The fdcpa was barely a whisper there, and since I came from an FDCPA-abiding student loan collection agency, I could not stoop to this low, trashy level. When my collections figures were low, I was harassed and ridiculed in front of the entire office. Now, the agency I worked at has been shut down for five months now. Riscuity's time is coming!

Glad to hear others have had this type of thing happen to them. I have been in this business and also did some studen loans, state leval contract but in my moist horrid nightmares I never ever thought I would end up fighting to keep a job that I knew was acting against the fdcpa, I am just at a point in life I needed my job, and jobs are not that easy to obtain in an area that tons of collection companies have closed. I need transit so I am limited to areas. but the weight off my chest has been a blessing. I am glad it ended before I ended up in court over something that I really had no control over. I do know they don't want me on the other side, I could spill my guts and they would be in deep crap. Truth is all I want is to move on. I will someday read the paper and it was say FEDS close local collection company or FDCPA fines in millions for local agency. The few still there are going ot break every law needed to survive. i hear they also fires some of the older agents claiming they defaced the company. Is that a joke or what. this company defaced itself from day one. Most of us didn't even work here when this forum started complaints about the service and broke laws. now we are getting blame for things that happen before I came on. Its Risuity's time, and I will be glad to sit outside and watch them pack and leave, maybe even hold a sign up, YES FINALLY, or some thing that will not get me shot at but get my point across. these are crazy people, We have the drug rings of collections here. real gutter people

sounds like you are still angry, you might want to count your blessings. The best thing that happen was getting out of that place. Come back in a few months. I know you will feel as the rest of us do, blessed beyond words. You will wake up happy, not taking deep breaths to go in a door knowing it was he--. you will go to sleep and rest, not have bad dreams of what will be tomrrow. All in all you will have peace. it is worth more money than that company could ever pay you. The Edwards, Mikes, Bobs,Mitch, big men with little to offer, these people will fall, and surface again. BUT they will never be happy nor will they be successful, remember. they owe big bucks to investors so they are not sleeping well these days. Once you loose the big mans money you get a name, and that name will keep with you forever. Be glad and be forgiving, pray for them, they really need it

I hear they are down to only a dozen collectors with half of them to disappear by the end of this month. Those left are under the impression that they are still there because they are great employees when in fact they are there to help clean up the remaining paper work before shutting down. The NC account debacle happened after collections continued for six weeks after receiving cease orders from the attorney general. They are laying people off, firing and even selling their furniture probably in part due to lack of funds to pay salaries. No new contracts in, old contracts being sold. Is anyone submitting contracts to this company any more? Their rep is in the gutter.

Who ever you are you seem to know what is going on, so it tells me you are a past employee. The truth is in your statement, it is fact, but those left are not good they are the dirt that will break everylaw to make money.

I sympathize. I still wish I'd stood up to my ex manager when he would heckle and humiliate me in front of the whole office. I wish I'd told him that his behavior was unprofessional and demostrated poor leadership. Even getting sacked on the spot would have been worth it to defend my dignity.

I just wanted to let you know that I have just recently had to deal with these people at Riscuity about an overdue account and they are really dirty. They called and offered to settle for half the balance to close the account. I paid the half and then they call back about every three months saying that if I want to avoid action then I will pay the remaining balance. They are tricky, lying, conniving jerks that will do anything to get more money. Hopefully I have taken care of it. I reported them to the Better Business Bureau and made it very clear that they are wasting their time and mine trying to scam me. They think everyone is as stupid as they are.

Does anyone know if they are affiliated with America's Network? I sent a C&D to Riscuity and now am getting calls from America's Network. Seems odd to me. I called the number back and the rude lady answered "America's Network" and I asked if they were affiliated with Riscuity. She said no, but was really weird about it. These Riscuity people are awful. They actually called my boss! At this point they have still not even proven to me I owe this debt that they say I owe. If they are still contacting me after I send the C&D what do I do?

Call the Riscuity number and get a PO.Box or address and asked if your account was sold to another agency. Then call the new agency and ask for their PO.Box or address, then post both on this site along with the last name of the represenatives. Past associates can determine if Riscuity set up a collector under another company name and number inside of the same office. All they have to do is file with the state and pay the license fee to have another company under the same umbrella and that's public record.

i was a collector there a while back. what is going on with the collectors?/ are there any left??? what about diane lucas???

are there any collectors left there? looking for a employee to give us some info on your staff and how is Mitch & Paul R??????? how about wes??? Diane Lucus still there ???? ?????

yes they are still there but not for long from what i understand they are moving to Duluth.

Hey for all those that said riscuity is breaking the law. I have one thing to ask you. Did You pay your bill like you said you would? Never forget you can't get put in collection if you paid your bill. If you know something about what the collectors are calling about. don't act like you don't know. don't say send me a letter. Do the write thing make arrangement to pay it. If you can't pay in full work something out with them. And if they did break the fdcpa then they will get whats coming to them, but you as a debtor probably has more then one outstanding debt do you think you won't have to pay that. OH for those that said Riscuity took money out of there account. You got a pay day loan. you gave a check or authorized to do a bank withdrawal to honar payment with the original creditor. That Creditor gave you a contract that states what would happen if you didn't have the funds on the date you aggreed upon, you signed that. Some creditor even state they would hit your account until the funds is recouped. But the fund more then likely don't get recouped. but the debtor checking is closed and they can't get another until they handle this. So what am i trying to say. Be accountable for your action. They don't go away!!!!!

Hey PAY YOUR BILL person What has any of what you said have to do with collectors calling for weeks after the A.G. processed cease orders? Or not supplying refunds in a timely manner? Or collection on already paid accounts? Or rudeness? There are 15 pages of complaints about company proceedure and attitudes, not weather or not a bill was due. You're missing the point. :shock: These people were not speaking of refusal to pay. They're commenting on questionable collection proceedures made by this company.

First let me say Riscuity KNEW>>>>>>several states ban the collection of the payday loans due to fraud and unfair interest. NC for one closed the doors and Riscuity purchased the paper and BROKE THE LAW depositing the checks, after the attorney general got with them they stopped in that state. Several states ban the collection of these debts due to unfair lending practices and the results being so out of reach with the laws of loans. ANY ONE and I mean you can be the biggest dead beat out there should contact the attorney general in the state they are in and research payday loans and the laws of the state. Riscuity broke the law in taking funds not owed and NOT PAYING IT BACK....they had the collectors LIE and say the checks got mailed out and knew full well they did not. They are just inches away from being closed due to THEY DONT PAY THEIR BILLS>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>Riscuity owes ever cleint moeny, the phone company the computr company, they moved to Duluth because (rumor) evicted so yes you should pay your bills but even if you can't no one deserves to deal with these types of people. I sit and look at what is happening to the company and I think YOU REAP WHAT YOU SOW

Regardless of Riscuity PR post. It's irrelevant. File a complaint with your state's AG office, FTC and the BBB. They have grossly violated the fdcpa and should be held accountable. All you have to do is file the complaint and your AG's office will take care of the rest.

Good Luck
Jay

i am telling you a lot of companies are in hot water and are getting tight BECAUSE of the complaints.

Are you pissed off at a debt collector? Are you a debt collector? If so, please call us at 1-800-96-JERRY and tell us about it. LOL

Riscuity collects for payday lenders on bad checks

I too pulled my credit report. Riscuity is showing up. So, I called them and gave her the account number. The lady I talked to was very nice to me. However, she told me that they no longer have my account, that it went back to the original account holder. So, I asked her who that was. She told me it was Sony BMG Music Club and their phone number is xxx-xxxx. (I've never had an account with that said Club, but I want it off of my credit report and trying to do everything that I can to get it cleared.) So, I then called that number. Spoke to another nice lady who told me I don't exist in their files. So, I call Riscuity back and tell the same lady that I spoke to earlier what I was told. She tells me that she can't take this off of my credit report until the account is paid in full. However, I can't make the payment to them even though they are the ones on my report. So, does anybody have suggestions as to my next step?

If I undersand you, the first conversation Riscuity said your account was return to the original holder. The law is clear, if they report accounts then return them, sell them or are no longer the collection agency on record they CAN NOT OR SHOULD NOT COLLECT THE MONEY, and THEY *****MUST**** remove cbr reports on return or sold accounts THATS THE LAW.. Do a CBR dipute and also do if fast. Riscuity sold their Asia office 1-2007 and are closing the GA office, ***DON"T GET to happy, they are now open under another company with the same owner and the same issues. Still the Mike, Gerald, Wendy and others, new name no change

Ex,
You are quite correct,if they no longer hold your account,their tradeline needs to be removed unless they desire federal court.

To the Operations Management that handle credit collections. I also collect, but how about you have one moment in your life when their are no family or friends to help and your deadline is near. So, you borrow some money, this company tells you they'll be a $90 fee if you cant pay in full you can pay a renewal amount of 290 but you still owe us 500 or 600 what ever you borrowed. Times are hard so you give them 290 instead 200 for the benefit and 90 for the fees of the amount you borrowed. You should give them the amount you borrow and suffer the results. But you don't they take their fees the first week out of your account then say you luck and pay them off next time around. They continue every week to take money knowing that you paid. So, then what? what's your excuse then. I've seen many honest people get taken advantage of everyday. Those who respond to collectors get treated like CRAP. Those who know the law and treat the creditors like TRASH, get treated like angles and still don't pay the bill. This is not about you working for or being a member of collections the big voice the rip-off-artist. This is about the small voice that doesn????????t no the laws, politic etc. that has found hard time. They speak out in order to seek real help so stop being a part of the problem and be a part of the inside solution. I watch people with hundreds and thousands even small millions file bankruptcy every 7 yrs some how using this wonderful law you speak of. PLEASE SPARE THE REDERICS. LOL. Even you owe some one. Even if you pay on time good for you past some help and good fortune in the path of someone you can use it. We need to help each other and stop complaining.

Hi. I had signed up with a BMG membership in 2003 and had gotten 2 cds from them. If I can remember my mom paid them for what I owed. A lady named Jamie called me and said I owed $17.00 for my membership. I cancelled my membership that same year. Why would they be calling me now in 2007 to ask for payment on the membership that I cancelled? I need advice on what to do. Please someone help!

Spam post deleted - Mike[color=DarkRed][/color]

Stop spamming the boards, troll.

Does anyone have a working number for riscuity? the numbers I have are 678-564-3300,800-670-4924,and 770-919-0204. All of which don't work. They are reporting that I owe them money for an account that was sold to them. This is untrue and ruining my credit.

Name: Riscuity, Inc
Phone: (678) 564-3300
Fax: (678) 564-3399
Address: 1600 Terrell Mill Rd SE # B
Marietta, GA 30067-8340
Employees: 1
File Open Date: March 2004
TOB Classification: collection agencies
BBB Accreditation: This organization is not a BBB Accredited business.

I always find it amusing to read some of the complaints people have in reference to the methods some agencies use to collect on money they rightfully owe. Just reading through some of the "blogs" from the debtors complaining on this site and it is clear these are people trying to avoid paying their bills or stall for time as they do likely with all of their other bills. First off, to make a statement about a bill and ask the company to prove that you received money is ludicrous, why don't you check your own bank records, or jog your memory to the day when you had a couple hundred dollars given to you. I remember when I get money, as do most people that don't excessively borrow.

To ask for something in writing is fine, and %100 of all companies will email you something in minutes, or mail which takes a couple days in addition to the warning letters that are sent out to the mailing address on the loan or financing application.

For the last post to state they were threatened to be arrested that is not true. Most debtors take things that are said out of context. For instance, if the company advises they or a 3rd party are proceeding legally and they may be visited by a bailiff, that does not mean you are being arrested, it means you will recieve a notice of claim to appear in court for a garnishment proceeding. In addition, it is illegal to "bounce" a cheque in the state of Texas and whoever made the last post is oblivious to actual law or the Federal Debt Collection Practices Act. Instead of trying to send a CEASE and Desist letter, try remaining in contact with the company and actually paying your bill.

Bailiffs are actually process servers, the term bailiff is not actually used in US government, the security provided in court are generally Sheriff's Deputies or US Marshals. Also the law you are referencing is deemed the Fair Debt Collection Practices Act. People on this site are not trying to get out of paying their bills, they just want to make sure they are paying the right people. In cases of debt buyers the legitimacy of their claim to said debt becomes very questionable when custody/management is transfered from one entity to the next.

I have been contacted by a collection agency in the past trying to collect over $350,000 for a mortgage from 1994, I was 14 years old at the time and certainly didn't apply for a mortgage, let alone could I lawfully enter a legally binding agreement.

As for misinterpretation by consumers, sometimes they may occur but there are some agencies that actually do make these threats. You have to realize that while most collection agencies operate within legal guidelines there are some that do not. Why else did the PA Attorney General's office and the FTC file a suit against NCO Financial for $1,500,000 for violations of the FCRA? If you do enough research you will find other FTC cases for similar acts of misconduct and deceptive trade practices. Also keep in mind that the FTC will only step in when they see a pattern of conduct from a company. If you check with sites for each state AG's offices you will see many more, such as the FL AG's office and their suit against Bass and Associates.

That is so sad that companies use their power to torture people. I hope that the advice you've received here helps you get this straight. Good luck!

I wish someone would call me like that at times.Having all my bills paid on time is down right boring at times. :lol:

Doe anyone have any contact information this this RISCUITY Company, I can't even amke contact. I have benn calling 770-814-8049 and it's either busy or just rings constintly.

Thanks

I have been getting phone calls from a person that claims that he is trying to collect a debt that I owe. I have repeatedly asked these people not to call at my current and former place of employement. It has been thru some digging and found out that a 3 year old account was sold to this company. They have refused to send me any documents that will explain this debt. I told these people at one time that I would be willing to set up a payment plan once they sent me the neccessary paper work. I did not know that the account was not paid three years ago and the former Account holder never notified me that I had an outstanding balance. What I need to know is what steps do I take at this time. The phone calls to my former employer and now my current employer are causing major problems!!!

i need some help about six years ago i owed some money to this company i paid but now they r saying i didnt pay i used a prepaid debit card that does not go back that far i have been trying to get a hold of the collection agency and both numbers r no good i tryed google the company name and it keeps sending me back to this web site if anybody has any info on rescuity intelligent risk solutionor rescuity capitalcrossing please cotact me at as soon as possible