I have been constantly called by Nelson from Nars. The first phone call he told me what he was calling about Cross Country Bank, I said "huh" and he said some Applied Bank, i again said "huh" i have no clue what you are talking about. He then started asking me questions about credit cards, and I made the stupid mistake and told him the only credit cards I knew about was my First Premier, and he goes, oh yeah that one, but he had already said something about Cross Country Bank. AND I had closed my Firs Premier bank cards a few years ago. ANyway, I told him that i would have to look into my credit report and find out what the heck he was talking about. He then called me back after I did NOT return his phone calls. He was demanding me to pull out my check book and write him a check for $1100. I told him NO way am I going to pay for something that I didn't open up. I did file a Fraud alert on my credit report. I called the bank in question and they told me that the COULD NOT tell me the address in which the credit card was sent to when it was opened, only that the card was applied for online. OH GREAT online credit card but they can't tell me where it was opened up. They said that I woudl have to call the collection agency that has the debt. Well NARS will NOT tell you anything until you actually give them money. I am NOT going to pay for somehting that i am NOT responsbile for. I did tell Nelson that he could no longer call me at work and I also changed my cell phone number becuase he kept calling the cell phone at all hours of the night. He told me that since it was the only number he could call me at he was going to. I told him that there are laws in the state of Texas that protect me from the harrassing phone calls and i asked to speak to his supervisor. After being on hold for ten minutes the call was disconnected. I figurd they had knew I know my rights, and he woudl stop calling. OH NO here come the calls again. Thank god for Caller ID at work becuase when NARS does call I just do not answer the phone. Just last week he called i ignored it and then he called right back so I told my friend to answer the phone and tell them that i no longer work there, and he asked for my forwarding information. Does this retard actually think that a new employee is going to give someone that calls personal information about an employee, that WOULD be BREAKING DOL laws for releasing personal information to 3rd party people. ANyway, I did some research and even on my credit report shows some addresses that I have never even heard of so that tells me that this card was opened by means of Fraud. I have also found where reports can be filed with the Federal Trade Commission that will protect me from these people. They lie to people to get them to pay and often use scare tactics to feel they "WON" when in fact they are the loosers. Its crazy what they are doing to people. Calling them at their places of employement and its not just once a week its like 12 to 20 times a day. The law states that collection agencies cannot contact you at your place of employement its against the law. Chances are if everyone files a class action lawsuit against NARS they will have to pay us MORE than what they are trying to collect. I actually am speaking with an attorney on Friday to see options of what else to do. BUT CONSUMERS BEWARE, with todays Economy dropping like it is, credit card companies and banks screwing themselves, anything can happen. Keep close eye on credit reports, and often check them with credit bureaus. Even if you ahve to pay for it, simply go fill out an application for credit just to get denied, and this will allow you a free copy of your credit report.
Enough said, i am so angry at NARS for illegal collection debt practices.
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