John
Louisville,#2Consumer Comment
Tue, April 01, 2008
This is a horrible situtation created by giving a debt collector your bank debit/credit card over the phone.....Rule #1 when dealing with debt collectors: NEVER, NEVER EVER give them your personal checking/debit/credit card #'s over the phone to do auto-debits....This is an invitation to disaster. Rule #2 in dealing with debt collectors: Get all terms IN WRITING FIRST prior to giving them one penny of your money...If you don't you can't prove anything about verbal agreements made over the phone. This is going to be an expensive lesson for you FYI: If BankOne sold your daughter's debt to a third party collection agency, then it's the collection agency that is entitled to any payments from you. BankOne cannot continue collection activity after they've sold the account to third party debt collectors like this. Threaten to take Alliance One to small claims court...The problem isn't "out of their hands" if they took over $2K of your money then credited it to a bogus account...then sold it to a collection agency....Call AllianceOne and tell them that the next step is small claims court...Send the notice via Registered Mail with Return receipt to make it look official and to show that you mean business....
John
Louisville,#3Consumer Comment
Tue, April 01, 2008
This is a horrible situtation created by giving a debt collector your bank debit/credit card over the phone.....Rule #1 when dealing with debt collectors: NEVER, NEVER EVER give them your personal checking/debit/credit card #'s over the phone to do auto-debits....This is an invitation to disaster. Rule #2 in dealing with debt collectors: Get all terms IN WRITING FIRST prior to giving them one penny of your money...If you don't you can't prove anything about verbal agreements made over the phone. This is going to be an expensive lesson for you FYI: If BankOne sold your daughter's debt to a third party collection agency, then it's the collection agency that is entitled to any payments from you. BankOne cannot continue collection activity after they've sold the account to third party debt collectors like this. Threaten to take Alliance One to small claims court...The problem isn't "out of their hands" if they took over $2K of your money then credited it to a bogus account...then sold it to a collection agency....Call AllianceOne and tell them that the next step is small claims court...Send the notice via Registered Mail with Return receipt to make it look official and to show that you mean business....
John
Louisville,#4Consumer Comment
Tue, April 01, 2008
This is a horrible situtation created by giving a debt collector your bank debit/credit card over the phone.....Rule #1 when dealing with debt collectors: NEVER, NEVER EVER give them your personal checking/debit/credit card #'s over the phone to do auto-debits....This is an invitation to disaster. Rule #2 in dealing with debt collectors: Get all terms IN WRITING FIRST prior to giving them one penny of your money...If you don't you can't prove anything about verbal agreements made over the phone. This is going to be an expensive lesson for you FYI: If BankOne sold your daughter's debt to a third party collection agency, then it's the collection agency that is entitled to any payments from you. BankOne cannot continue collection activity after they've sold the account to third party debt collectors like this. Threaten to take Alliance One to small claims court...The problem isn't "out of their hands" if they took over $2K of your money then credited it to a bogus account...then sold it to a collection agency....Call AllianceOne and tell them that the next step is small claims court...Send the notice via Registered Mail with Return receipt to make it look official and to show that you mean business....
John
Louisville,#5Consumer Comment
Tue, April 01, 2008
This is a horrible situtation created by giving a debt collector your bank debit/credit card over the phone.....Rule #1 when dealing with debt collectors: NEVER, NEVER EVER give them your personal checking/debit/credit card #'s over the phone to do auto-debits....This is an invitation to disaster. Rule #2 in dealing with debt collectors: Get all terms IN WRITING FIRST prior to giving them one penny of your money...If you don't you can't prove anything about verbal agreements made over the phone. This is going to be an expensive lesson for you FYI: If BankOne sold your daughter's debt to a third party collection agency, then it's the collection agency that is entitled to any payments from you. BankOne cannot continue collection activity after they've sold the account to third party debt collectors like this. Threaten to take Alliance One to small claims court...The problem isn't "out of their hands" if they took over $2K of your money then credited it to a bogus account...then sold it to a collection agency....Call AllianceOne and tell them that the next step is small claims court...Send the notice via Registered Mail with Return receipt to make it look official and to show that you mean business....
John
Califon,#6Consumer Comment
Tue, April 01, 2008
filing a fraud (not a dispute) report with your card and get your own money back. They fraudulently obtained funds from you. They never had any intention of posting anything to your daughter's card - if there even is a legit collection on one - and their excuse is b****. There was no 'other card' that the payment got posted to. If there was, Tthey HAVE to either refund you or post it to the correct alleged account. They stole your money under false pretenses. You have to file complaints with the attorney general in your and their state as well as the FTC.