credit card servises threatened to damage my credit history based on my 21 year old daughters debt newton, Massachusetts
CCS sent me a letter saying they would send in a negative report against my credit rating if I did not pay off my daughters delinquent account. My daughter is 21 , is of legal age , and is on her own. They took an older acocunt and tried to tell me if i did not pay of fmy daughters account, then , they would file a negative report to the credit reporting agencies, damaging my credit. I tried to expalin that I had nothing to do with the acocunt.
My daughetr was and is of legal age and I had no repsonsibility. They would not listen. and they said, they would proceed with reporting me. They claimed if I did not respond, to their message, I was admitting to be guilty and responsible. that is riduculous. Why are they allowed to do this? Why doesn't the BBB or the legistalture stop this kind of harrassment.? this is unfair, its threatening and it should be illegal.
I don't understand why they are allowed to do this and we have no recouse. We can't even fight them, and city hall ignores our complaints. I tried to conatct the BBB but they said they could not find CCS in the list or credited companies. Does something seem strange about that? yeah, it should. We need to find a place where we can process our complaints , so we are heard, and so we are not takin advantage of. Whre can we go? ...for help with fighting this kind of disreputable services.
2 Updates & Rebuttals
Joseph Brown
Spartanburg,South Carolina,
USA
Scam
#3Consumer Comment
Fri, March 25, 2011
First, the BBB is a rating service. They can't do anything to the company except send them a letter stating they've gotten a bad report from someone.
Second, if they had strong foreign accents they were more than likely from overseas, like India. If they call again tell them to contact you by mail only. They use Anglo-Saxon names like Bill Smith, John Jones, etc.
Third, get caller ID and don't answer your phone if you don't recognize the number and let the call go to voice mail.
MovingForward
Wellington,Florida,
United States of America
Are you a co-signer or joint account holder on the account?
#3Consumer Comment
Fri, March 25, 2011
CCS can not damage your credit for non-payment of your daughters debt unless you were a co-signer or joint account holder on the account. Did you open the account with her originally? If so, unless you cancelled that specific account, then you would be responsible for charges made to the account even if you never charged on it. The important thing to do is figure out how the account was opened originally.
However, if you were never a co-signer or joint account holder with your daughter, then they can not report negative information to the CRA on your report for her delinquency. If you were never a co-signer or joint account holder and CCS has threatened to ruin your credit, it sounds like an FDCPA violation to me. Check some of the credit sites like Bud Hibbs, or Debtorboards or CreditInfoCenter to see what to do to collect $$$ from CCS for these type of violations. They could end up paying you! Good luck to you.