This company started calling me about a returned check. The first time they called they claimed to be a company called Check Systems. I spoke to someone earlier in the week and told the caller I had not recieved anything in the mail. He told me that I was notified by my bank. Only problem is I need to make the payment to the collection agency and I had no way of doing that since I had not recieved anything in writing telling me where to send payment to.
The collector became very nasty when I told him there was no money in the account and so he began to yell at me and threaten me with "charges". I hung up on him and when he called back my husband answered. He proceeded to become beligerant with my husband. So my husband hung up on him.
They called back today and I recognized the number on the caller ID so I waited on hold for their auto dialer to connect me to someone.
Finally I get to talk to someone who gives me the same song and dance about how they sent me a letter. Anyway, I got the info I need to make the payment now.
This company has violated the FDCPA by:
1. Misrepresenting who they are on the phone. Telling me they are Check Systems, then saying they are Computer Cheque.
2. Threaten me with "charges" for the check being 30 days old.
3. Not sending me a debt validation letter, or any letter at all notifying me of the debt and giving me 30 days to either pay or dispute it.
4. Being verbally abusive.
5. Not having/providing a phone number that they can be contacted at. The number that comes up on caller ID takes you to a fax machine.
I understand that I am responsible for making a returned check good which was what I was trying to do. If they would have followed the FDCPA this could have been taken care of weeks ago.
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