CCA Collection Company Of America, Savino Villalobos, Sr Director Of Operations Pursuing Legal Support to Fight CCA for breaking contarctual agreement. Denver, Colorado
I received a call from CCA for a collections that I was not aware of about an ATT cellular account that my daughter defaulted on. The account was in her name under my main account. They had been in contact with my daughter but never myself and submitted the collections to the Credit Bureau without my knowledge where as it now appears on my credit report which was in excellent A+ ratings before this. I told them in my first and only conversation that I will pay it in full immediately if they remove it from my credit report. They agreed however I asked for an email confirmation first. I received the email confirmation from the Director of Operations saying that they will remove it as I was not aware of the collections.
That email was dated January of 2009, since then I have left several voice mail messages and emails to the Director of Operations and of course no response. I also left a voice mail to their legal department and no response. I contacted the collection agencies and provided the email confirmation and of course they ignor it with some ridiculous premade letter that doesn;t apply.
The collections still appear on my report. I am seeking out legal help in this matter as I have a contractual agreement that they have not honored as well as exposing them that they make these promised with no intentions of delivering. I would like some direction to where I can get the best legal help and how to publicly expose them as a fraudulant company.
A.J.
Parker, Colorado
U.S.A.
6 Updates & Rebuttals
Megon
Brighton,Colorado,
United States of America
Sue them for Fraud
#7Consumer Comment
Sun, January 17, 2010
Collection Company of America, CCA, Collecto, Inc., EOS CCA, and many other trade names assicated with this company are illegal. Regardless of weither you owe a debt or not, this company if properly sue will not see a dime of your money. Not paying your bills is not a defense that can be raised against you. Everyone falls short at one point in time. If you have collection companies knocking on your door, it is because they purchased your debt at pennies on the dollar. Most collection companies will not sue you, but when they do, make sure you do your reseaarch on them. There are less than a dozen collection companies in america who are in good standing. Most of them will argue, curse, and get irritated when you tell them you are not gonna pay them. They are fueled off of agression. You never have to talk to them, and if you write them a letter telling them not to contact you, they have to follow your request, or they can be sued. Record your calls with them, and make sure you mail letters certified. CCA, Collection Company of America has been sued many times, and have lost many lawsuits for violation of the FDCPA. One of the Parent Companies they claim to be Collecto, Inc. recently lost a class action lawsuit, see Castro v Collecto, Inc. My sugestion to you regardless of weither or not you owe a debt, is to #1 mail a letter requesting validation of the debt, a written notice of assignment, and a full accounting record of the debt, to include all payments you have made, outstanding balances, and what exactly the debt is for. Remember that they have the burden of proof that you owe this debt. Most of the time their records are not accurate, and they will avoid persuing accounts that are inaccurate and incomplete. They have to validate the debt as their own. In my case they representative said that if that I want that information I can go to the hospital and request it myself. That is her big mistake, I am not the one required to obtain that information, the burden is hers, and not mine. #2 File a complaint with the Federal Trade Commission, and the Secretary of State, as well as the Attorney General. The more complaints they receive against these people, the more they will persue them. See the case of The United States of America v LTD Finalcial Services. This case was brought by the Federal Trade Commision after hundreds of complaints were filed against a collection agency that violated the FDCPA against hundreds of people. It takes a lot of complaints to catch the attention of the FTC, and States. The forms are located on the websites of all theses agencies, and it doesnt cost a dime, you dont need an attorney, you just need a valid complaint. Makes sure you save copies of all correspondences. False reporting on a credit report is also punishable in criminal courts, as well as monitery damages. Do your homework on these people, and know that it is illegal to conduct business under more than one assumed name. These people have registered and actively use at least 6 names that I have found so fa in Colorado alone. I printed the applications to the Secretary of State, and printed their license status off the Attorney General's website. #3 sue them, sue all of their trade names, and stick to it. Eventually something as big as another class action lawsuit will bring these people to their knees, or at least force them to create new alias'.
Ashley
Springfield,Missouri,
U.S.A.
Dispute
#7Consumer Suggestion
Tue, April 14, 2009
have you disputed this report on your credit to the credit bureaus? If not you have 90 days from when the ding to your credit occurs to dispute the validity of the claim.
Laurie
Haslet,Texas,
U.S.A.
THAT IS BECAUSE COLLECTION AGENCIES LIE -NEVER EVER AGREE TO PAY A COLLECTION AGENCY
#7Consumer Comment
Tue, April 14, 2009
they put a lot of lies those in writing - just to get you to pay - REGARDLESS OF WHETHER YOU OWE IT OR NOT. (they like to file FALSIFIED COURT DOCUMENTS, so sending you a promise they do not intend to keep is nothing to them)
You did not provide much info regarding the account - however you also did not indicate whether YOU REQUESTED DEBT VALIDATION either?
So with that in mind - HOW DO YOU EVEN KNOW IT WAS VALID?
Laurie
Haslet,Texas,
U.S.A.
THAT IS BECAUSE COLLECTION AGENCIES LIE -NEVER EVER AGREE TO PAY A COLLECTION AGENCY
#7Consumer Comment
Tue, April 14, 2009
they put a lot of lies those in writing - just to get you to pay - REGARDLESS OF WHETHER YOU OWE IT OR NOT. (they like to file FALSIFIED COURT DOCUMENTS, so sending you a promise they do not intend to keep is nothing to them)
You did not provide much info regarding the account - however you also did not indicate whether YOU REQUESTED DEBT VALIDATION either?
So with that in mind - HOW DO YOU EVEN KNOW IT WAS VALID?
Laurie
Haslet,Texas,
U.S.A.
THAT IS BECAUSE COLLECTION AGENCIES LIE -NEVER EVER AGREE TO PAY A COLLECTION AGENCY
#7Consumer Comment
Tue, April 14, 2009
they put a lot of lies those in writing - just to get you to pay - REGARDLESS OF WHETHER YOU OWE IT OR NOT. (they like to file FALSIFIED COURT DOCUMENTS, so sending you a promise they do not intend to keep is nothing to them)
You did not provide much info regarding the account - however you also did not indicate whether YOU REQUESTED DEBT VALIDATION either?
So with that in mind - HOW DO YOU EVEN KNOW IT WAS VALID?
Laurie
Haslet,Texas,
U.S.A.
THAT IS BECAUSE COLLECTION AGENCIES LIE -NEVER EVER AGREE TO PAY A COLLECTION AGENCY
#7Consumer Comment
Tue, April 14, 2009
they put a lot of lies those in writing - just to get you to pay - REGARDLESS OF WHETHER YOU OWE IT OR NOT. (they like to file FALSIFIED COURT DOCUMENTS, so sending you a promise they do not intend to keep is nothing to them)
You did not provide much info regarding the account - however you also did not indicate whether YOU REQUESTED DEBT VALIDATION either?
So with that in mind - HOW DO YOU EVEN KNOW IT WAS VALID?