I like a great deal of other Americans faced a great deal of financial hardship. I lost my job, got a divorce and was faced with illness. My Chase Credit Card account was referred to GC Services. There is one other thing about me, I am a former officer and site manager for a third party collection agency. I was trying to get back on my feet and realized that my full time job was not going to be enough to pay my debt. I am also seeking an additional full job to pay back Chase. I called them a couple of times but in the mean time they referred one of my accounts to GC Services. Under FDCPA guidelines you can leave a voicemail at a persons place of business if the voicemail is identified but you can only leave the telephone number and not the company name or any additional information. GC Services left messages on my business voice mail that stated the name of the company and to quote the agent "we have left you messages and you had better get in contact with us. Because things are not looking very good for you." This is a clear violation of FDCPA because a business voicemail may be shared and accessed and therefore other people at your place of employment may hear the voicemail. The representative called my current employer at their corporate headquarters and stated that they were calling from GC Services. They also called my previous employer and told the supervisor that they were calling from GC Services and they went into detail that my current employer could not find me in the system. They also called my ex-husband and advised that they were from GC Services. I called GC Services and spoke to the representative and asked her why she would call my current employer and previous employer and state that she is from GC Services and go into so much detail that they realized it was a collections agency. I advised her that a third party collections agency cannot under any circumstances give their name to a persons employer because of the internet it is easy to figure out you are a collection agency. She stated to me that because I had not returned her call that she left messages at both my current and previous employer. As a former collections manager this is a violation of FDCPA guidelines and the privacy act. I have contact Chase and asked them to research this violation of two federal laws. I may be behind in my bills but God knows that I have not broken two Federal Laws. I called GC Services and asked to speak to a manager. The person who answered the phone stated he was a manager. I told him he was the first manager that I knew of that answered inbound collections calls. I asked him are you an account manager, supervisor or manager. I told him that I wanted to speak to a Manager he stated he was an assistant manager. I could tell that this person was not a Manager and it made me very angry. I advised him of the situation and that I was going to contact Chase. I told him that I was glad that the calls were recorded his reply was that not all calls are record. He basically was telling me, yes we may have broken the law but it does not mean it was recorded. If Chase wants to keep a decent name they should drop GC Services. I am going to make it a life mission to see that Chase drops GC Services due to the fact that they have broken federal laws. I am also going to contact Fitch, Moodys and S&P and advise them of the federal laws that were broken. This will result in a lower grade and in turn it will be harder for them to get contracts with other companies.
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