First I would love to say thank you to this website for assuring me I am not the only individual this this problem. This company has its day coming hopefully in court. I opened an account with them several years ago. Well before I ever got the card over $200.00 was charged to it.
I made several payments on time and for the amount they requested. I had decided to not pay off the card each month so I could gain some credit. Well as everyday things happen, I had other obligations to fulfill and making that payment was not a priority compared to rent and groceries.
Well I know credit reporting laws (considering I work for an outside credit reporting agency) anyways, they started calling me the other day after I inquired about where to send my cease and dissist letter too. First no physical address even though I am sending certified mail.
Then I had a gentlemen by the name of Murice Gay at the above number tell me that if I did not make an immediate payment that I would NEVER EVER be able to make another payment on my account for the next 15 years it was on my credit report. Well the law is they can only report for 7 years and thats from the date of chargeoff.
Well frustrated I asked for a supervisor, he stated that he was a supervisor and there was no one above him that would take the call. So I hung up on him and called right back, asked to speak to a suprevisor without giving my name or account info. They hesitated but I assured them I would not accept any less than a suprevisor. Finally a lady got on the phone, she was nice, but stated that they will call everyday until they receive that letter from me. Oh well
Well the following Sunday they called my home at 8:10 A.M. Asking for payment. I told them I would not be making a payment so they could stop calling. This girls name was Nicole she refused her last name. She was very rude and basically called me an idiot when I advised her I knew my rights.
So I played their game with them. They want to call me every five minutes, so I gave them a taste of their own medicine. I called right back and asked for Nicole, she got on the phone and I pleasantly asked her how her day was going. She got mad and hung up, I called right back. Well they told me she didn't want to talk.
Well I called back and got another girl named Tracey. She told me that if I called back they would have me arrested for harrasment, I asked her how could she do that when I am just reciprocating what they are doing to consumers everyday. And in turn told her to call the police because I wasn't going to stop (hey, it's a free call)
So I hung up and called back, another lady knew who I was before I ever said anything. This time she said her name was Lowanda Holloway a supervisor, she then proceeded to tell me that if I called one more time they had my checking account number from a previous payment I sent and charge my account for the full amount due on my account. Regardless if I gave them permission. I told her go ahead that account was closed.
She told me to stop wasting my time and tend to my children. That pissed me off.
Well I have sent letters to the FTC and four senators in my state. I have also included some print outs from this site and advised them to investigate this company. I am trying my best to have this company burned.
I understand if you sign a contract, you are liable for the debt. But for everyday consumers this harassment has got to stop. We are not prey to eat alive but hard workers trying to help themselves get further in life.
Until someone takes a stand all suffer at the mercy of this company and those alike. I will keep everyone posted as to my results.
Nicole
seaford, Delaware
U.S.A.
0 comments