On Mar 21 about 1:00 PM a caller named Tracy B (male) called my unlisted phone number and asked for me by first name. I said "who is this?" That is when he gave his name only. I told him I did not know him, and asked that he properly identify himself. He repeated his name. I asked for the company and he said, "I told you, I'm with CCA."
I told him that meant nothing to me, and reminded him to fully identify himself and his company. He answered, "I told you, this is Tracy B% from CCA, a financial institution." Again, I told him that did not tell me the name of the company or what they did. He said, "What are you getting so upset for? I already told you what you want to know, and you are getting upset over nothing." This really bothered me, so next, I asked to speak to a supervisor. He said, "There is no supervisor." This series was repeated a couple of times with me interjecting, "if you do not tell me who you are and what exactly you want, I am terminating this call." He continued as before, so I hung up.
He immediately called back and started in as before.By now I was talking really loudly. I said, "You are harassing me. I do not know who you are or what you want. Let me talk to your supervisor right now." I repeatedly said this last while he just kept talking and talking while totally ignoring my demand for proper information or a supervisor. Finally he said, "Are you even listening to me Phyllis?" I did not answer. I had finally laid the phone down in defeat, as I knew he would just call back if I hung up. He kept talking until he said "Phyllis, Phyllis, are you there? Are you listening to me?" After five minutes, he finally hung up. (I got on my dial up at once to search for this company and found this site.)
I have recently been behind in some bills due to a drop of over 40% in my income, but this past month I caught all of them up except my really old student loans. I call and have called my creditors regularly since Dec. and I try to work things out with them proactively. Some are less understanding than others. For example, WFNNB (World Financial Network National Bank) has called me at odd hours, and JCPenney's refused a hardship plan anywhere near what Target (better company) did for me. Trying to head off disaster, I also contacted two non-profit credit counseling service groups in January and February one by phone from a number Target gave me, and one on the internet through a christian site I use.
I hope you can help me find and identify this company so I can file a report with the proper authorities about this harassment. Reputable companies really listen up when you say you feel harassed. I cannot include WFNNB as one of the caring companies. I wonder if this "CCA, a financial institution" is a branch of WFNNB's bill collecting conglomerate. If so, I will be glad to pursue anything I can legally do to help them conform to good business practices. I owe one company that uses them less than $100 and the other less than $300. The latter one is supposed to have insurance on it, but WFNNB kept telling me it did not, or that they could not find out if it did etc. Consequently, I ended up behind, and received late fees etc. I did complain about WFNNB's treatment of me to the latter company.
I will be pleased to provide more information on these companies if WFNNB is involved in the harassment I received today. Thank you for caring enough to help people like me. I really appeciate it.
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