Collections Company Of America,Norwell Ma. CCA Student loan rehab liars,and deceptive crooks Norwell Maine
June 2008,I received a phone call from CCA regarding a student loan from 23 yrs ago,in 1985,which was in default.They told me at that time that if I made an agreement with them to make arrangements to pay $500.00 as a down payment,then they would make payment arrangements with me for $100.00 a month until $1200.00 was paid off,and then my credit would be in good standing and I wouldnt owe them anything.And my credit would restored to good standing and all credit bureaus would be informed that I was paid in full.
So they asked me by the end of the month if I could pay them $250.00 and then the following month I could pay them another $250.00 to cover the $500.00 down payment to get this student loan rehabilitation program started,and I told them I could not guarantee $250.00 but I could guarantee $200.00,and at that time that was acceptable.
Well then after I had given them my bank information I paid them $200.00 as I had promised and they told me that I made a committment to pay $250.00 which was not what I had promised,and they then told me that they never said that they never said that the loan would be settled after all of the payment arrangements made and that it would only take it out of default.I told them that they knew if they had expressed it to me as that that I wouldnt had even probably agreed with it.
The following month I received a statement for $100.00 from them,and I sent the $100.00 payment to them,a week later they went into my account to take $250.00 out for the payment for that month and that messed up my account and their check didnt clear but I was charged $34.00 for an NSF fee along with other NSF fees that would not had applied if they werent tryoing to help themselves to my money,because I figured that I paid the statement for that month.
So I talked to a supervisor for CCA and he then told me because I had made a voluntary payment of the $100.00 for that month that the following month which would had been the month of August they would submit the check again for the $250.00 and then I wouldnt have to pay until the month of Sept,$100.00 the other day I received a form requesting 3 personal references and my employers information,and I called them and told them that I didnt understand what they needed any other information from me for since they have been getting their money and they told me that they were not going to have this loan after it was out of default status,and the next lender that ends up with this loan needed the information,which I am not comfortable submitting to them and I refuse to,and yesterday I came home from work and I have another payment statement with a due dat of Sept.28,2008,with a payment due of $200.00,when our agreement was $100.00 a month so they constantly contradict themselves and have been for the 3 months that I have been dealing with them.
I tried to get my payments down to $50.00 a month sincew I am a painter by trade and they told me that was impossible and that just wasnt enough money per month.I told them that was $50.00 a month more than they have been getting for the last 23 yrs.In the 23 yrs I have had this student loan,there has been no documentation on any payments made prior to June of this year in which prior to that there was 2 different banks contact me and make arrangements for payment on this loan,and the loan keeps getting sold to other banks and other institutions,I have had a lawyer put a lien on my taxes on this matter,which nobody has had any documentation to speak of regarding this loan.But I am thoroughly convinced that CCA of Norwell Ma. is deceptive liars and thieves and question whether or not they are part of a student loan scandals as far as their attitude towards the people they are trying to collect from.They are always disrespectful and belittling and rude.And should not be in business dealing with the public.
Martin
Villa Park, Illinois
U.S.A.
6 Updates & Rebuttals
Lostiddude
Villa Park,Illinois,
U.S.A.
thank you
#7Author of original report
Sat, January 16, 2010
I just want to say Thank you very much for your rebuttal,and I am really not surprised to hear what you said about the complaints against CCA,although its a bit late for any of that now,since I no longer have to deal with them,since I did pay to get my student loan out of default,and I currently deal now directly with the Department of Education.It took some time but I got it back in good standing although I have just recently enrolled myself back into school,which I would not have been able to do had I not gotten it out of default.But thanx so much for your input and advice to me
Megon
Brighton,Colorado,
United States of America
Sue them!
#7Consumer Suggestion
Sat, January 16, 2010
I want you to know that Collection Company of America, CCA, Collecto Inc, C.C.A., EOS CCA, and Health Professions Management is not a company in good standing, and are currently being investigated for their violations of state laws regarding debt collection licensing, and false reporting to the Secretary of State. Please sue these people. Start by sending them a letter to not contact you unless it is in writing, and to validate any debt, including verification that they were properly assigned your debt. they have to have it in writing contrary to what they want you to believe. They have to produce a document assigning your debt, and not purchasing a group of debts that include yours. Check with the Secretary of State to make sure they are properly doing business, which you will find they are not. They have registered and have active more than one alias, which is a violation of your rights, and the laws. It may not throw out a case they sue you for, but if you counter claim, or sue them first, they will then get tired of losing money, and start a new trade name and move on. There are many reports filed against them.....do your homework. Dont pay these people a dime until they validate the debt. If you truly owe the debt I would say you have a fight on your hands...these people rob the poor, the elderly, and they are profitable in doing so.
There is a class action suit being worked up for these people.......if you can tag on to that suit, you may get your revenge.
They fight back with words....you should pay your bills....blah blah blah...save it. I dont have to hear them, and neither do you. Let them get angry and post their views....if they violate your rights...sue them!
Lostiddude
Villa Park,Illinois,
U.S.A.
thanx
#7Author of original report
Sun, December 13, 2009
Once again youre assuming,just like youre assuming that Im a woman when you tell me listen lady,once again,Mr.Ignorant and once again,you do not know the situation youre shooting off your moputh about and as far as the thieves and liars in our society yes I can agree with that.Thats one thing that I can agree with on your part.Once again you dont know what you are talking about when you say I havent done the best I could do concerning this debt ,and why would you get any kind of information concerning money collected from me and/or my friend not documented long before it ever ended up in collections.And how can you sit there and talk as if you were almighty God yourself watching to see that I was handling my end,you dont know crap about crap and as far as the people calling you and giving you a hard time as youre trying to do your job then all I can tell you is "Oh well,thats the job you chose."Trust me when I say as far as my particular case is concerned in all due respect sir,YOU DONT HAVE A CLUE,so try to remember that while youre sitting there shooting off your mouth,like you know every detail about this case and mine is not the only one like it.And as a former employee of CCA,I could only think of the purpose in your rebuttal to my complaint is and would only be to stroke your own ego,so on that note have a great night and stroke it
Auberon
Brockton,Massachusetts,
U.S.A.
Again
#7UPDATE EX-employee responds
Sun, December 13, 2009
Listen lady, you can say you weren't trying to rip off the government, and that may be true, I can't know for sure, but you wouldn't know how many calls we get saying "But my father/grandfather didn't pay it back why should I have to."
Also say 'people like you', I'm just a normal person who has worked in debt collection and knows how it works, but you're ignorant to the process and because of that you're huffing and puffing and demonizing other people.
We tried very hard at CCA to be polite with our debtors, but if one thing goes wrong and you call back screaming and raving and insulting then what do you expect? We have to deal with people like that all day, and if you did at your job, you'd probably not always be as pleasant as people wanted either.
Just because you don't understand the process or WHY we need certain things does not mean that the company is full of liars and thieves. If you didn't understand, you should have asked for my clarity, and did you bother to tell the supervisor or anyone of your fee? Because the company is supposed to pay it if that happens, but I'm guessing you didn't because I know both male supervisors there, and on the rare occasions that would happen, they told debtor.
Either way, when that happens it's usually a computer error with the way we enter payments into the system. All computers have errors, they're not perfect.
And you say you made 'every attempt' to pay it off, and if that was true then you could have gotten it taken care of some way because it's very hard to default that badly when you're trying to pay it back.
I'd take a good look at yourself before you tell me I'm out of touch with the reality of the situation. You had an awfully long time to pay it back, can you really say you did ALL you could to pay it back? Often people think they do all they can do, but they just do all they want to do before they decide to forget about it.
As for tracking payments, I don't know what the government does with that, we have a system that lets us look at past payments, but I never got an account to look into that computer system. From what I can guess, the reason why your friend didn't have any payments on record was because he paid it off and eventually the government cleared it out, where as you didn't, so it kept it there. Or it could possibly just track the payments made when the loan was delinquent or in default. But I think it's adorable you're trying to tell me you know more when this was my job.
Either way I hope you have paid off your debt because if you didn't it will not go away, it will go on ruining your credit and bankruptcy won't fix it if I remember correctly.
And again, people don't take these kind of jobs to be cruel to other people and be arseholes. They take them because they have to, they have their own debts to pay and families to take care of. I had a large medical bill myself, so instead of dilly-dallying with it I took a job I despised so I wouldn't be in the situation you yourself got into.
Lostiddude
Villa Park,Illinois,
U.S.A.
thanx
#7Author of original report
Sat, December 12, 2009
You started very accurately,when you started your rebuttal with," seems to me",because to be perfectly honest with you,nobody was taking advantage of the government in my situation but of course people like you with your own personal opinions tend to shoot off their mouths without knowing all of the details.I made everyt attempt in the previous years before my loan went to CCA 23 yrs after the fact.I also know another individual that attended the same school at the same time,that paid their tuition in full shortly after graduation and not one dollar that was paid toward his education was recorded,so that would tell me that your assumptions based on what others read hear and everything else,are the furthest thing from the reality of the situation.But thanks so much for your concern.
Auberon
Brockton,Massachusetts,
U.S.A.
I see the problem
#7UPDATE EX-employee responds
Sat, December 12, 2009
It seems to me you didn't pay attention at all to what they were telling you. The Rehab program you have to make set payments, you can't change them. The money you were asked to pay a month was to keep you in the program, if you fell off the program you would have gone back into default status again and not be able to join the rehab program again. You would have had to pay the full sum or been sued by the government for it.
And honestly, it seems to me you were agitated because you didn't bother to listen correctly or read the paper work they should have sent you.
And again, if you had paid your student loan off in the first place instead of trying to rip-off the government (which a lot of people do, thinking there's a statue of limitations on these loans, when it was removed) you wouldn't have had this problem. And they needed that information about personal reference so you wouldn't skip out on your loan AGAIN.