So i am sitting at my desk at work and i get a letter from these yahoos' I open it and think what the heck is this all about...
They claimed that i owed 500 bucks from an NSF check drawn on a bank that i have never done business with. And the great part is that it was over 13 years ago!
I called and inquired about what this was and that they had the wrong person. The first person i spoke with was actually very nice. But as soon as she said that she did have any information and that they have a credit report with my name on it that says that a company called "fourscore" has owned the account and it has been on my credit report for years" i said okay i am done speaking with you i want to speak to your supervisor
so on came Mr. Calvin Thomas who at first was pleasant but as soon is I questioned the valididty of the claim he became very hostile.
I let him rattle on for a bit about how they came by the account and that he is just making a living just like me...
Then he said why dont you just admit that you goofed up... That you wrote a bad check and that you dodged your debt... I will settle it for 190 bucks... Come on work with me here. I laughed and told he was nuts i was not going to pay for something that was not mine, and then he said the stuff that really pissed me off...
And I quote " look I'll be honest, we targeted you because you have money, you are doing well, and you have excellent credit, and you dont seem like the kind of person that would want a negative comment on your credit report...
I stopped him and said "wait a minute even if it was mine you cant report it and you would have to sue me to collect and then viola SOL laws get thrown in your face... And for what 190 bucks? Your insane and i laughed at him again. He said that i had made payments at the the SOL clock had been restarted... I asked him what company he got a credit report from and he said that he had a Trans union report from 1997 that showed the deleiquint account and that it was being paid...
I told him strike one 1000 bucks for me... Because i happen to have a report from 1997 (because that is when i bought my house) and it is not there... He then tried to correct and that it was a 1999 report and that he can see that i am doing well and that 190 bucks is nothing to me. I can see your mortgage and your credit cards he proceeded to rattle of my current mortgage and current cards and i called him on it again. I informed him that if he ran my credit report without my permission i wouyld sue him. He said oh no this came with the file we got last year... Again those are current account less than a year old... He is so full of crap...
Anyway the converstaion went on like this for a few more minutes and he just got more and more upset because everytime he tried to make up something i countered with something he could not fight... I laughed at him. It was actually quite fun... Becaus eit was like turning the tables...
He would not admit that he could not report a anything to a CRA but finally he changed the story to him being able to place a "WATCH REPORT" on my credit file, and that while it does not show up as a negative item it is a redflag to future creditors and they wont lend to me. NO SUCH THING at that point i told him that he need to be careful because everything he says from that point on is being recorded... And that if he continues this i would sue him personally in small claims court for each violation of the FDCPA he commits...
He said well you have until the 31'st to decide on our settlement offer. Click...
Immediatly i fired off a Dispute, cease and desist and a copy of the federal and state regs with a big note saying to F OFF
I also reiterated that i had documented a minumum of four times that he lied and violated the FDCPA and that I would sue him because it would be easy money for me...
Belive me if i here from them again i will sue him, he will be so pissed because he would have to come to small claims to defend himself. And i really would not care if he paid me of not... Hopefully he would not because i would love to have his skank butt harrased for trully being a dead beat...
J
Turlock, California
U.S.A.
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