FIRST BANK OF MARIN 800-796-7303 PLEASE STOP CALLING MY HOME! ripoff Las Vegas Nevada
This rude woman from 800-796-7303 had called for my daughter. I had asked her what was this regaurding. She said personal business. I had told her that no one has "personal business" with my child. She had then asked for my daughters spouse. I had told her that my daughter is not married, she is only 18. The woman then said, well, she is an adult and therefore I can have personal business with her! I will call her back. I had tried calling the # back and all I get is a busy signal.
So I got online and seen that the # belong to first National Bank of Marin. I just wanted to let someone know of this and I am very upset. don't try to ruin my child's credit even before she can establish credit!
KRYSTAL
DUBLIN, Ohio
U.S.A.
2 Updates & Rebuttals
Steve
Bradenton,Florida,
U.S.A.
Krystal, you should give us more essential information here! And..
#3Consumer Suggestion
Thu, January 15, 2009
Krystal,
You left out essential information in your report.
First of all, does your daughter still live with you? What I'm asking is, does she use your phone?
If she lives with you, and at any time has used your phone, the calls are legitimate.
I suggest you just take the message and pass it along to your daughter.
The number belongs to First National Bank of Marin, aka: Credit One Bank. It appears that your daughter opened a credit card account and did not pay.
And, since these people are not "third party" debt collectors, the FDCPA does not apply so you can not legally send a "cease communications" request.
If you really want to stop the calls, change your phone# to an unlisted one, and do not give your daughter access to it. Make her get a cell phone..
Or...just take away your daughters access to your home phone, make her get a cell phone, and then just give the collectors her cell phone#!!
Problem solved!
Such simple solutions.
Charisse
Las Vegas,Nevada,
U.S.A.
Your Grown Daughter has Personal Business means from a collection agency "It's Confidential" it can't be given out.
#3Consumer Suggestion
Thu, January 15, 2009
Ma'am you have to understand that if your grown daughter is over 18 yrs, and a collection agency calls to state"Personal Business". That means that they have to verify it's her on the phone and if she wants you to know all of her business, she has to send in a letter to authorize the collectors to speak to you.
Do you if they were to tell you here personal business, they could be sued for breaking confidentiality under federal law? It's shameful on them but they have to abide by the law and eventhough they break them all the time, this is one that can't be broken. Ask you grown daughter to write a letter to cease and desist( collectors to stop calling per FDCPA ACT) or authorize you to talk to the creditors/collector's on her behalf also any letter you send, send them certified and make a copy for yourself.