I received a call from KCA Financial this morning regarding a closed bank account 11 years ago.
I had opened the account to cash an insurance check that was to be electronically transferred to an old account at the bank that was closed 2 years prior. I had to open it as it was the only way to get it cashed. I mentioned that I was not interested in keeping the account open and was told it would be closed once the check was cashed and I did not keep it active.
I called a month later to ask if I needed to come in and take care of it and they said it would be taken care of.
In 2002 I received a call from a collection agency regarding a bill due, well over $100, the account was not closed and I was being billed each month for charges even though there was no activity nor deposits. I hadn't even received a statement for a number of years.
I followed up on this and it appeared to be taken care of, I was told not to worry about it from the local bank, they would take care of it.
So the call from KCA. They had purchased the account as unpaid. A few weeks back I received the first call from them, they demanded payment immediately. I got a little irritated right off the bat as they were far from polite about it. They were downright belligerent and seem to get off on being so. Soon it was as shouting match and when I tried to get a little more civil they became less so. There was no attempt at talking about this. They reminded me it was recorded and I asked for a copy of the recording, they avoided the subject.
My wife was overhearing the first conversation and told me she had mailed a check some time back when another collection agency (the original one) had called She was not aware that we did not need to pay it according to the bank.
This morning, another call, they began immediately with abuse, saying I had refused to pay the bill, at one point they asked for a credit card to pay this off immediately, as if I were going to give it to them. I asked for my account number and other information, they wouldn't give it to me but again demanded my credit card to pay for this.in no way was I going to give someone my credit card number, particularly one who would not give me account information. He insisted that they had sent a letter informing me of this collection, not a certified nor registered letter. They insisted that that was good enough. When I mentioned to them I didnt received such a letter they said that was between me and the post office.
So again I asked more information on an account number, they insisted that they did not have to do so as it was in the letter. Then they again demanded my credit card number or they would put into my credit report a refusal to pay the balance which went for over 5 years before an attempt to collect by anyone. When I mentioned that in the State of California that if there is no attempt to collect after 1 year you can no longer do so. To which the caller mentioned that once they have bought the collection that did not apply. I tried to have a talk with the representative but it was always one sided and threatening, No matter what I asked he responded belligerently.
I called later to inform them that they needed to send me a letter if I requested it, again the person I spoke with was belligerent and it deteriorated into name calling. He hung up.
A little later he called back and said he was entering into my credit report the refusal to pay, I didnt say I refused to pay outright. I said that it was taken care of and I was not going to pay him.
I would love to have a copy of that supposed tape on both conversations, first, they did not tell me it was being taped during the first one until I got a little hot under the collar, that was at least a minute or more. Again with the second one they did not tell me until well into the conversation that all of this was on tape. My understanding is you have to be notified before they recording, they did not do so, if you say it is being monitored that is not the same as being taped, and they did not even mention that.
There was no attempt at a civil conversation, these guys get off on being abusive that is for sure.
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