Camco
Ripoff - false accusations rude liars Ripoff

My husband received today, April 16th a letter from CAMCO stating he owed money from a Bank Of America account. The amount in question was $573.67. There was a settlement price of $308.87. There was a # and extension to call to speak to a Collection Manager (wont include name, but have it).

So being suspicious person I am, I called. I left a message with her supervisor.instead of waiting for a call back, I called Bank of America to see if they chould shed some light on this situation. "Paul" at BofA said the account # given to me by CAMCO was an invalid Checking Account #. It was only 7 digits and should be either 10 or 11. He pulled up our information and said there was nothing in their records of any late payments or debt owing to them. He then called Camco himself and connected me with the woman stated in my letter. I told her, we were unaware of any of these bills. She told me the bill was from a checking account opened in Denver, CO in Nov 91 and closed in Jan of 92. This was obviously before I met my husband. So I told her I would need to speak with him on it.

First of all, his first name is spelt wrong on the addressed letter, and the middle name isnt his. So I was concerned she had the wrong person. She provided me with his correct SS # and birthdate. Thats when I agreed to call him. She told me if I paid NOW she would lower it to $216.21. (whatever that is about). I told her no, I will call him. So I called my husband at work. He told me first of all, its NOT him, he never had a checking account, savings account OR credit card or line of credit with BofA. SECOND, there is NO BofA in Denver Colorado! So I called BofA again and they confirmed this, saying there is none. I called the woman back and told her this, that my husband said its not him and there is no BofA in Denver and also that the account # is too small for any BofA accounts. She told me then that this was the 4th letter she mailed out to us.

I told her, this was the first we received and if I had gotten any others, we would have had this conversation then, not now. I was very worried about this. I told her since I met my husband, we've bought a house, bought 3 cars, and opened numberous CCs without this ever showing up on our credit report. She said that it would have "fallen off by 92" I asked her how this was possible since the account in question wasnt even closed til 92 and usually its on your credit for a lot longer than 11 months. She didnt have an explaination for me. I asked her for more information regarding this, feeling like my husband was subjected to fraud back in 91/92. She told me that all the information they had, was in the letter I received. I told her the information in it is wrong... I also asked, if BofA is saying we do not owe anything, and have no record of owing or any write offs, who, IF we were to send a payment, would the money go to. She then told me that THEY keep the money.

So I told her, well why would I pay something, that is NOT on my credit report to someone I dont know, and to a company who said I dont owe anything! She told me I didnt have to pay it, they dont report to anyone, but if I didnt, to let her go because she had other people who are willing to pay. Which made me kind of curious that she would give in. So I told her what would happen if I didnt pay? She told me that they would keep trying to contact us. Eventually they would sell it to another collection agency and it would continue til we paid. She also told me Camco bought it from another collection agency. I told her we NEVER received anything from any other collection agency on this ever before. I then asked her, what I needed to do, to get this taken care of.

I dont want bad credit, I dont want this following us around either. She told me there is NOTHING I can do but pay. I asked her again, why should I pay them, if they dont even have any correct information. She told me that they mailed us a letter in July stating that I had 30 days to dispute this. I told her I never received the letter, and if I did I would have taken care of it back then. She told me she found it hard to believe that I never got the letter. I asked her, NICELY, if she could send me the information they were willing to send me back in July, so I can investigate it and clear it up once and for all. She told me no, they were no longer obligated and for me to PROVE to them I didnt get the letter. I told her at that point, pretty pissed off as you can probably imagine at this point, for her to PROVE to me that she mailed me one. She then proceeded to scream at me on the phone saying "She didnt need to prove anything to me!" and hung up.

I called the BBB and they suggested I file a complaint with the FTC. Which I immediately did. I am also going to file a complaint with consumer affairs in both California, Colorado and Illinois. Also I will file a complaint with the Attorney General. I am going to write the cease and disist letter that the FTC rep told me to write, sending it certified, registered, returned receipt. I spent a good 2 1/2 hours of my afternoon trying to clear something up, that wasnt even our fault! These people should be put out of business! I see they have been sued, but obviously that hasnt stopped them..

Paula
Suisun, California
U.S.A.

Company: Camco
Country: USA
State: Illinois
City: Rockford
Address: PO BOX 5087
Phone: 8772980845

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