Camco (Capital Acquisitions And Management Co. They call from Jamaica to somehow skirt around the laws and persist in calling 5 times a day, as well as not answering who they are when asked. The list is long, ripoff Harassing and intimidating Rockford Illinois
I was given a Visa card($1800C.L.) in the fall of 1988, the year I graduated. Off to college I went, misused the card, maxed it.
Tried to pay on it until 1995, the card was charged off by Chase.
Tried at different times afterwards to pay lump-sums to Chase, but the charge-off had occured and no records existed. I moved on and began to change my buying habits i.e. debt by credit.
Recieved a phone call 6-15-04 from Camco,who did not reveal who they were after several times of me asking, but continued over and over asking me "are you so and so?" After 9 years of not hearing a word about this debt I was blindsided and fraseled to say the least. Immediately after the 1st phone call I felt this change in my home and was instantly in strife with my wife and son. I allowed this entity to effect my family. We prayed and cast that spirit out and moved on. Realizing I just received a call from Jamaica where vodoo runs rampant. This must sound strange to some, but spiritual disernment was evident here.
I since have read all the laws regarding the debt collection practices and have they stepped over some legally as well as morally. Harassing and intimidating.
I have realized that this debt is not a debt, because they are charging interest on money that does not exist. Therefore it is them that are is oposition to the laws of this country.
I will continue to oppose this debt.
Chris
Northport, Michigan
U.S.A.
9 Updates & Rebuttals
James
Santa Cruz,California,
U.S.A.
CAMCO SCAMCO
#10Consumer Suggestion
Sun, September 26, 2004
Camco buys old credit files for as low as pennies on the dollar, and tries to find vulnerable consumers to pay debts past the 7 yr US Code Title 15 (fair credit reporting act) statute of limitations. 1)I asked them to email me a repayment agreement 2) I printed it adding my own type written "Cease and Desist" note 3) I mailed it to Equifax, Trans Union, the FTC, and CAMCO. Deny the debt, assert "do not call", citing statute of limitations. They went on to harass a more uninformed victim James B. FTL inc.
James
Santa Cruz,California,
U.S.A.
CAMCO SCAMCO
#10Consumer Suggestion
Sun, September 26, 2004
Camco buys old credit files for as low as pennies on the dollar, and tries to find vulnerable consumers to pay debts past the 7 yr US Code Title 15 (fair credit reporting act) statute of limitations. 1)I asked them to email me a repayment agreement 2) I printed it adding my own type written "Cease and Desist" note 3) I mailed it to Equifax, Trans Union, the FTC, and CAMCO. Deny the debt, assert "do not call", citing statute of limitations. They went on to harass a more uninformed victim James B. FTL inc.
James
Santa Cruz,California,
U.S.A.
CAMCO SCAMCO
#10Consumer Suggestion
Sun, September 26, 2004
Camco buys old credit files for as low as pennies on the dollar, and tries to find vulnerable consumers to pay debts past the 7 yr US Code Title 15 (fair credit reporting act) statute of limitations. 1)I asked them to email me a repayment agreement 2) I printed it adding my own type written "Cease and Desist" note 3) I mailed it to Equifax, Trans Union, the FTC, and CAMCO. Deny the debt, assert "do not call", citing statute of limitations. They went on to harass a more uninformed victim James B. FTL inc.
Chris
Northport,Michigan,
U.S.A.
John-the supposed ex-employee, just because camco has all of my info that they are entitled to collect on something with no invested time, money or labor. That to me is fraud.
#10Consumer Comment
Sun, September 26, 2004
john from Loves park,
This country was founded on free enterprise your right, but within the law. Interest charged for money that does not exist is illegal. That debt was charged off and the contract terminated. I would not be held reposible for that debt in any court in this land. You seem to think that just because camco has all of my info that they are entitled to collect on something with no invested time, money or labor. That to me is fraud.
I have sent a cease and desist letter, no more contact has been made. I have also contacted the State Attorney Gen. of Ill. as well as the FTC.
John did you know the day after I was contacted, camco had just lost a case for fraud.
Call the FTC and start looking from the view of the people who actually know the law.
John the world is temporal, but things of the spirit are eternal, for we wrestle not against the flesh, but of pricipalities, mights and dominions. It is not just about what you can see, smell, touch and hear my friend.
Chris
Northport,Michigan,
U.S.A.
John-the supposed ex-employee, just because camco has all of my info that they are entitled to collect on something with no invested time, money or labor. That to me is fraud.
#10Consumer Comment
Sun, September 26, 2004
john from Loves park,
This country was founded on free enterprise your right, but within the law. Interest charged for money that does not exist is illegal. That debt was charged off and the contract terminated. I would not be held reposible for that debt in any court in this land. You seem to think that just because camco has all of my info that they are entitled to collect on something with no invested time, money or labor. That to me is fraud.
I have sent a cease and desist letter, no more contact has been made. I have also contacted the State Attorney Gen. of Ill. as well as the FTC.
John did you know the day after I was contacted, camco had just lost a case for fraud.
Call the FTC and start looking from the view of the people who actually know the law.
John the world is temporal, but things of the spirit are eternal, for we wrestle not against the flesh, but of pricipalities, mights and dominions. It is not just about what you can see, smell, touch and hear my friend.
Chris
Northport,Michigan,
U.S.A.
John-the supposed ex-employee, just because camco has all of my info that they are entitled to collect on something with no invested time, money or labor. That to me is fraud.
#10Consumer Comment
Sun, September 26, 2004
john from Loves park,
This country was founded on free enterprise your right, but within the law. Interest charged for money that does not exist is illegal. That debt was charged off and the contract terminated. I would not be held reposible for that debt in any court in this land. You seem to think that just because camco has all of my info that they are entitled to collect on something with no invested time, money or labor. That to me is fraud.
I have sent a cease and desist letter, no more contact has been made. I have also contacted the State Attorney Gen. of Ill. as well as the FTC.
John did you know the day after I was contacted, camco had just lost a case for fraud.
Call the FTC and start looking from the view of the people who actually know the law.
John the world is temporal, but things of the spirit are eternal, for we wrestle not against the flesh, but of pricipalities, mights and dominions. It is not just about what you can see, smell, touch and hear my friend.
Chris
Northport,Michigan,
U.S.A.
John-the supposed ex-employee, just because camco has all of my info that they are entitled to collect on something with no invested time, money or labor. That to me is fraud.
#10Consumer Comment
Sun, September 26, 2004
john from Loves park,
This country was founded on free enterprise your right, but within the law. Interest charged for money that does not exist is illegal. That debt was charged off and the contract terminated. I would not be held reposible for that debt in any court in this land. You seem to think that just because camco has all of my info that they are entitled to collect on something with no invested time, money or labor. That to me is fraud.
I have sent a cease and desist letter, no more contact has been made. I have also contacted the State Attorney Gen. of Ill. as well as the FTC.
John did you know the day after I was contacted, camco had just lost a case for fraud.
Call the FTC and start looking from the view of the people who actually know the law.
John the world is temporal, but things of the spirit are eternal, for we wrestle not against the flesh, but of pricipalities, mights and dominions. It is not just about what you can see, smell, touch and hear my friend.
Scott
Akron,Ohio,
U.S.A.
John is a liar and a thief Jeff Garrington is a worthless waste of flesh(
#10Consumer Suggestion
Sat, September 25, 2004
Do not listen to this crook. Jeff Garrington is a worthless waste of flesh( and alot of flesh at that). Putting compliance manager in front of his name is a joke because he could not care less about his companys illegal doings. Send them a cease and desist letter and be done with it. IF they call again then sue them. There are some good attorneys in your state who have crushed camco in court multiple times.
John
Loves Park,Illinois,
U.S.A.
Hey Chris This country was founded on free enterprise
#10UPDATE EX-employee responds
Fri, September 24, 2004
Let's all give Chris a loud applause for being so honest about his spending habits with this line of credit. Chris, you are a man of great honor, thank you.
I can understand your frustration to this situation beacuse I have been there myself. The rep that called you the first time should have handled things a little differently I do agree. The whole vodoo thing is Jamaica is way out in left field though. Lets keep our feet planted on this world for a moment.
If you want to do the moral thing then call the main Camco office @ 877-298-0845 and explain to the compliance officer your concerns. You have to be prepared to negotiate a settlement to get this demon off of your back though.
Honestly, Camco is not out to scam anybody. This country was founded on free enterprise and how can we think for a moment that the IDEA itself is wrong. There are situations that have happened here that SHOULD raise an eyebrow, no doubt. The only fault of Camco's is that they are attempting to control something that is very difficult, if not impossible to control. You can't monitor every call, from every employee every day. It's the ignorance of the people standind on the outside looking in that gets me.
Chris, good luck to you. I hope you can get your problem solved.