I took out a loan with Cash Transfer Centers and when I was unable to pay on the 1st, made arrangements to pay on the second paydate around the 15th of the month. The person I spoke with gave me a confirmation number so I felt confident that the matter would be closed.
Around the 10th, I started to get calls at work and home from CTC from someone named Derek Adams. He threatened to contact my employer. I wrote back to the customer service department as well as the department that handles late payments and they STILL contacted my employer about wage assignment the day prior to the day I had made payment arrangements (14th).
I wrote my payroll department to let them know the information I learned about this company from complaint, and they said Derek Adams had already called to verify employment, hire date and asked her to tell me he had called on the 13th.
Thankfully, my payroll department said they will not give out any further information or respind to the email or phone call.
Does anyone know how to get in touch with the FTC about the fact that these people are violating the Fair Credit Act? We need to stop them. I've done everything possible and followed the guidelines I found for responding to these types of loan companies and they are still breaking the laws. What can we do? I have also referenced the following sections of the FDCPA:
Sec. 1692c. Communication in connection with debt collection (section C)
Sec. 1692d. Harassment or abuse
Sec. 1692e. False or misleading representations
These are actual laws that are being broken by this company. These new laws also prohibit a debt collector from disclosing what I owe to anyone but my attorney. Where do we go now? They completely disregard these laws. Thanks.
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