- Report: #176071
Complaint Review: Academy Collection Agency - Philadelphia Pennsylvania
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Academy Collection Agency
10965 Decatur Rd Philadelphia, 19154 Pennsylvania, U.S.A.
Phone:
800-2200605
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Academy Collection Agency Very Demeaning and Seriously Unprofessional ripoff Philadelphia Pennsylvania
I contacted Academy Collection Agency to settle a debt that was outstanding. I informed them of my intent to pay and that I wanted to make payment arrangements. The representative who was a guy stipulated that I could not make payment arrangements and that he was entitled to do a settlement offer if only I would submit a post dated check. I explained that I was not interested in submitting my banking information but that I was more than happy to send the payments in by mail.
He started screaming in my ear about that he was not going to accept that and that if I wanted to avoid legal action and being put in jail that I had to submit the checks or else. I then asked to speak to a supervisor.
After a brief sound of clicks, another cruel and demeaning man who claimed his name was Mark Gordon stated that I owed the debt and it had to be paid today or they will do a wage garnishment. I then informed them that it was my right to make the arrangement based on my ability to pay which to me was more than the average payment. He then started talking over me and telling me that I had no right to make a demand and if he wanted to accept payments, I had to pay 30% down and then make my agreed monthly payment.
I then asked for his name and address and he proceeded to yell and tell me that he was not going to give me either and he hung up.
I filed a complaint with the BBB and the FTC. Is there any other place I could go because I think it is unfair to the people like me who are willing to pay their debt.
Thanks
Michele
Kennesaw, Georgia
U.S.A.
He started screaming in my ear about that he was not going to accept that and that if I wanted to avoid legal action and being put in jail that I had to submit the checks or else. I then asked to speak to a supervisor.
After a brief sound of clicks, another cruel and demeaning man who claimed his name was Mark Gordon stated that I owed the debt and it had to be paid today or they will do a wage garnishment. I then informed them that it was my right to make the arrangement based on my ability to pay which to me was more than the average payment. He then started talking over me and telling me that I had no right to make a demand and if he wanted to accept payments, I had to pay 30% down and then make my agreed monthly payment.
I then asked for his name and address and he proceeded to yell and tell me that he was not going to give me either and he hung up.
I filed a complaint with the BBB and the FTC. Is there any other place I could go because I think it is unfair to the people like me who are willing to pay their debt.
Thanks
Michele
Kennesaw, Georgia
U.S.A.
1 Updates & Rebuttals
Steve
Bradenton,Florida,
U.S.A.
Michele...A few tips here.. Debt collectors are absolutely powerless, despite the [illegal] threats, and they know it!
#2Consumer Suggestion
Mon, February 13, 2006
Michele, It is best to never even talk to any third party collector on the phone. Do everything in writing. You should send a "Cease Communication" request to them as per your right under the FDCPA. Send it certified mail, return reciept requested, and be sure to put the certified# on the letter itself before mailing, and keep a copy for your records. Also, be sure that a debt is not past the legal statute of limitations in your state which is 4-6 years depending on the type of debt in GA. Any payment you make restarts the SOL and the 7 year negative reporting to the credit bureaus. Forget the BBB, they are a corrupt and useless organization and have absolutely no power to do anything. You are entitled to $1000 per violation plus costs when someone violates the FDCPA. You can easily sue them in Federal Court. Get a police whistle, and blow it in thier ear next time they call, and then hang up. You DO NOT have to ever speak with a debt collector. You are ALWAYS in control over the decision to make a payment and how to make it. Debt collectors are absolutely powerless, despite the [illegal] threats, and they know it! Good luck~
