Redline Recovery Services: Can customers rely on it?

FDCPA is $1000 total no matter how many violations there are. Punitive is subject to the court.

you people say all this about how rude they, but when you had the credit cards you were swiping them like crazy but when it comes time to pay it back, you're all sick. wow

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yes, same problem


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Redline obtained my checking account information by fraudulent means and emptied out my account without my authorization. Do not EVER give them your info!!!

Redlline contacted me, a Tim Marshall, who appears to be out of the Buffalo office, and left a msg with his name, an 888 # and a reference #. I called him back and attempted to politely advise him that I'm now working with a Consumer Credit Counseling Service, and that I would like the name/address of his agency so that I could request no contact me made by phone. I told him I was requesting this info under the FDCPA. He started raising his voice and talking over me, and said I need to take care of my balance, and I needed to go get my checkbook. At no time would he comply with my request for an address. He hung up on me. I called back and got another agent, and after I asked her for an address, she hung up on me. A called back a third time and got sent to another agent, who distinctly sounded like Tim Marshall but who used another name, and he refused to give me an address and told me to go get my checkbook. He hung up on me. I called and registered a complaint with the corporate office in GA, and I filed an FTC complaint online.

I have received literally about 100 calls and voicemails from this company in the last year, not until today did I actually call back to tell them to stop. the thing is, they kept asking for a "danielle newman" and I'm not even danielle newman

By calling them? Sending a cease and desist....?

I recently received a settlement letter from them to pay 50% of my balance. I can never get anyone on the phone to discuss this. I would pay it in a money order but if this company isn't legitimate I don't want to give them anything. I called Amex which is where this originated and they did say that Redline was handling it. I'm not sure what to do at this point.

Received a settlement letter from Redline and set up payments which I completed as agreed to. I never received the letter I was promised, confirming that I had paid the debt as agreed. Today, four months after the final payment, I received a letter from ANOTHER debt collector looking to collect on the debt. According to them there is no record that I paid this debt. What a mess...I have proof I sent payments to Redline but that is it. I've asked twice for the confirmation letter, which I was reassured by a Redline associate that it was in the mail, but nothing. Truly depressing.

Robyn,

If you paid the amount shown on the settlement letter, I would mail Redline a another letter advising them to send you the letter verifying payment or you will sue, and send a letter to the new collector stating that the debt had been paid, and to cease collection efforts (with your proof, and sent Certified Mail of course). THEN, contact an attorney, because you MAY have a case against them for violations of the FDCPA.
I am having a similar situation where I paid Mercantile Adjustment Bureau, then the next year I was contacted by Resurgent Capital Services, and last year by Redline, and finally a lawyer. All because the debt owner (LVNV Funding) kept sending it out. I got a lawyer, and we have filed a lawsuit against LVNV.
You only have a year to go after them, so I wouldn't waste any time, and contact a lawyer soon. If they think your case has merit, they will even sometimes take it on contingency. Good Luck

why?i have dealt with this bottomfeeder,and the managers are worse than the drones.no benefit to speaking to them at all.

They called a family member of mine last night and tried to get my phone number from them. I had never even heard of Redline until then. They told my step-mother that they had already written to me. Bull crap! I am sure it is a scam.

For what it is worth guys, Redline is a legit company that legitimately collects debts. Generally speaking, the office in Buffalo has been really good with me. Sure, you get your occasional jack wagon on the phone that acts like a bully but for the most part they have been kind and helpful. The truth is that I had some credit card balances go into default because of a personal situation that I was dealing with. I am familiar with the fact that some companies contract debt collection agencies to collect for them while some agencies buy the debt outright and attempt to collect it themselves.

So, I tried to just be very polite and straight forward with things. They had the appropriate info so there was no scamming taking place. They actually allowed me to settle my debt for about 40% of what I actually owed at the time. I received my confirmation letter in a very reasonable amount of time and I have never had anyone bother me about it since.

Some things to remember about debt collection agencies:

~ There is a high turnover rate because, from what i understand in speaking with a few people that i know who work in collections, it is not a job for everyone. Some people cant take the constant volume and stress, some cant take the abuse that they receive from some debtors/borrowers when they are calling to collect on a legit debt that is absolutely owed and some just dont like sitting on their butts and making phone calls all day. So, it is entirely possible that if you run into a snafu with a company like Redline, it might well be because somebody brand new or even relatively new was handling your file and just screwed up.

~ There are definitely some dirty groups out there that violate the hell out of FDCPA guidelines. However, most of the people that I know in debt collections and others that i have spoken to due to my situation are legitimately out to help you. Yes, it benefits them to collect from you because it helps them reach their bonus goals for the month but many of them say that the best part is helping someone that thought their situation was impossible

~ Debt collectors are lied to CONSTANTLY by debtors. For every honestly sad story out there, there are probably 10 people telling a similar story to the collector calling them and completely fabricating it just to try to get some sympathy and in hopes that the collector will go easy on them. Debtors CONSTANTLY promise to make payments and never follow through. They constantly bounce checks. They constantly give out intentionally wrong info. This is why when you have a debt collector calling you about a debt that is honestly not yours they often won't believe you.

~ Most companies that I am familiar with are shifting to follow FDCPA and state guidelines far more strictly now than ever before. Because of the economy and the fact that it has caused more debt than ever before there is a TON of money to be made by these agencies. So it is just smart business to protect yourself as a collections agency by following the rules rather than to break them in order to collect a few extra debts owed.

~ It is perfectly legal for collectors to call your neighbors, family members, friends, spouses, ex-spouses, employers and anyone else that they deem appropriate to try to track you down. Now there are local guidelines at times (some states won't allow you to disclose certain info even to a spouse, some areas like NYC have limitations on how often you can contact someone in a given week, etc) but generally speaking as long as they do not disclose to that third party why they are trying to track you down (ie: to collect a debt) then they are within the legal parameteres of the law in doing so.

~ The last thing to remember is that, no matter how bad our situation may have become, we are still responsible for paying back our debts. I saw that someone mentioned about statute of limitations on certain debts and I do believe that to be true. However there are also certain debts, mainly federal student loans, that have NO STATUTE OF LIMITATIONS on them. This means that if you are 80 and have been outta school for 60 years and you have not made a payment, you are still responsible for the principal balance, any collections fees accrued over that time and your interest, once the loan is in federal default, compounds DAILY instead of annually!

Again, I realize that there are idiots at every agency. But is that not true of any business? Have we not run into jerks at the local grocery store? How about at Lowes? Walmart? In whatever school you or your kids attend? There are jerks in every walk of life. Where collectors are concerned, because of the questionable acts that went virtually unpunished in the past, they have a reputation as being scummy going into the call. In my own personal dealings with Redline (and other agencies whether i owed them debts or knew someone that worked there) as long as I stayed calm and pleasant and honest about things, I was never once harassed or forced to think something horrible was going to happen to me.

Just my two cents!

You stated your position very eloquently and you have some points. There are some out there who behave ethically and lawfully but unfortunately they happen to be the minority in the collections business.

I do realize that there are plenty of debtors who lie and berate a collector but the collector should always take any dispute seriously. It is a simple matter to contact the OC and get the details and then forward it to the debtor. It is the law. The collector can't decide if the person is lying or not.

You mentioned that it is smart business for collectors to follow the law but really they have no incentive to do so! Even the collection companies have admitted that they consider the violation lawsuits to just be a cost of doing business. What does that say about them? They don't care about the people they collect from as long as they collect and they don't care how they do it.

A smart business practice would be to simply get the validating documentation as the law demands. But think about it....these companies buy up huge portfolios usually with nothing more the basics of the debt information...they don't only buy from the original creditors, but from each other as well. Debt gets passed around all over the place.

Since so many companies have been found guilty of violating peoples rights, even some of the worst of the lot who will attempt to collect on debt that doesn't even exist, or has already been paid or settled, people HAVE to question a collector, even on debt they recognize because they need to be sure on who they are paying!

Honestly? It is these law-breaking collectors that make it bad for all collectors. The business practice itself is so rife with law breaking that it makes people suspicious of even the ethical companies.

I have been dealing with Redline for about 2 months and feel like pulling out my hair. I was contacted regarding a debt on a credit card that i had cosigned on for a family member that never got paid. The gentlemen i talked to was very helpful and got my total amount to be paid down a huge amount, which i was very thankful for. I was told that my account was paid in full and that my credit report would be updated and i would recieve notification in a letter through the mail stating the amount was paid in full. Great right yes up until a month ago when they did a transaction unauthorized from my account pulling out more money. I have now been dealing with manager after manager who refuses to answer the phone when i call or return my call, and was told that the money would be refunded to me in 24-48 hours 2 and a half weeks ago. Very frusturated and angry. For those of us who do try and do the right thing by paying back debt that is owed and we get scammed in the process!!

Stop trying to get a refund. Go to your bank and file a claim, they were not authorized to take out that money plain and simple.

You can also send them an intent to sue letter with a copy of the summons and complaint you will file if they do not comply....that you will sue them for the money they illegally took and also for punitive damages and pain and suffering you had to go through. It doesn't mean you will actually get any money other than what they took, but the possibility of it is a good motivational factor, especially considering they did this without your authorization.

If a refund is due, they will give a refund. Contact their client services division in Alpharetta Ga and notify their manager. It will be handled. I had a double payment taken out and I did get my refund after I sent a copy of my bank statement showing both payments. They paid the overdraft fee too.

My husband paid his debt through a settlement three years ago with Redline. The person who processed the settlement did so as a payment instead of a paid account and Redline then sold the account (illegally) to another collection agency.

I notified the other company and they quickly resolved the situation. At the time, I was unaware that Redline had made a mistake. When I contacted them, I was cursed at and hung up on. The second time I called I was lied to. The third time I called I was finally told that my settlement wasn't processed correctly and they would take care of it. I sent them copies of the settlement letter and settlement check. Three years later, my husband pulled his credit report (March 2011) and the account is showing "disputed by consumer" instead of "paid". I requested a letter from Redline in April 2011 stating the debt had been paid in full through a settlement three years ago and they agreed ~ I was told we would receive a letter within 10 business days ... we still have not received the letter.

Yesterday, I filed a complaint with the BBB and the next step is an attorney. This began in April 2008 and the issue still hasn't been resolved over three years later. I really hope that anyone else who is a victim of their unprofessional attitude and total lack of respect and integrity will report them as well :mad:

i work at redline.....theres are all well not all but mostly LEGIT debt most people who have the problem with collection agencies are not the people trying to make a living for their families but yet the dead beats who cant pay there bills.

learn how to form a real sentence before making a fool of yourself as that is what you have just done.back to phones humanoid.btw thread locked as i have deleted three attack posts in a row.sorry but usng profanity is against the TOS so again thread locked.