- Report: #69339
Complaint Review: CAMCO - Capital Acquisitions & Management Company - Rockford Illinois
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CAMCO - Capital Acquisitions & Management Company
Po Box 5087 Rockford, 61125 Illinois, U.S.A.
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CAMCO, Capital Acquisitions & Management Company I laughed at them and Calvin Thomas just got his panties in a wad..... Rockford Illinois
*Consumer Comment: CAMCO GETS YOUR TRANSUNION REPORT
*Consumer Comment: CAMCO GETS YOUR TRANSUNION REPORT
*Consumer Comment: CAMCO GETS YOUR TRANSUNION REPORT
*Consumer Comment: CAMCO GETS YOUR TRANSUNION REPORT
*Consumer Comment: sCAMCO and CRA inquirys... It's legal.
*Consumer Comment: Response to Lifter
*Consumer Comment: this is NEVER the case with agencys such as sCAMCO
so i am sitting at my desk at work and i get a letter from these yahoos' I open it and think what the heck is this all about...
they claimed that i owed 500 bucks from an NSF check drawn on a bank that i have never done business with. and the great part is that it was over 13 years ago!
i called and inquired about what this was and that they had the wrong person. the first person i spoke with was actually very nice. but as soon as she said that she did have any information and that they have a credit report with my name on it that says that a company called "fourscore" has owned the account and it has been on my credit report for years" i said okay i am done speaking with you i want to speak to your supervisor
so on came Mr. Calvin Thomas who at first was pleasant but as soon is I questioned the valididty of the claim he became very hostile.
I let him rattle on for a bit about how they came by the account and that he is just making a living just like me....
then he said why dont you just admit that you goofed up... that you wrote a bad check and that you dodged your debt... i will settle it for 190 bucks... come on work with me here. I laughed and told he was nuts i was not going to pay for something that was not mine, and then he said the stuff that really pissed me off...
and I quote " look I'll be honest, we targeted you because you have money, you are doing well, and you have excellent credit, and you dont seem like the kind of person that would want a negative comment on your credit report....
I stopped him and said "wait a minute even if it was mine you cant report it and you would have to sue me to collect and then viola SOL laws get thrown in your face... and for what 190 bucks? your insane and i laughed at him again. he said that i had made payments at the the SOL clock had been restarted... i asked him what company he got a credit report from and he said that he had a Trans union report from 1997 that showed the deleiquint account and that it was being paid...
i told him strike one 1000 bucks for me... because i happen to have a report from 1997 (because that is when i bought my house) and it is not there....he then tried to correct and that it was a 1999 report and that he can see that i am doing well and that 190 bucks is nothing to me.. i can see your mortgage and your credit cards he proceeded to rattle of my current mortgage and current cards and i called him on it again. i informed him that if he ran my credit report without my permission i wouyld sue him. he said oh no this came with the file we got last year... again those are current account less than a year old... he is so full of crap....
anyway the converstaion went on like this for a few more minutes and he just got more and more upset because everytime he tried to make up something i countered with something he could not fight... i laughed at him. it was actually quite fun... becaus eit was like turning the tables...
he would not admit that he could not report a anything to a CRA but finally he changed the story to him being able to place a "WATCH REPORT" on my credit file, and that while it does not show up as a negative item it is a redflag to future creditors and they wont lend to me. NO SUCH THING>>>> at that point i told him that he need to be careful because everything he says from that point on is being recorded... and that if he continues this i would sue him personally in small claims court for each violation of the FDCPA he commits....
he said well you have until the 31'st to decide on our settlement offer.. click......
immediatly i fired off a Dispute, cease and desist and a copy of the federal and state regs with a big note saying to F OFF
i also reiterated that i had documented a minumum of four times that he lied and violated the FDCPA and that I would sue him because it would be easy money for me....
belive me if i here from them again i will sue him , he will be so pissed because he would have to come to small claims to defend himself. and i really would not care if he paid me of not... hopefully he would not because i would love to have his s***k butt harrased for trully being a dead beat....
J
Turlock, California
U.S.A.
Click here to read other Rip Off Reports on Camco
they claimed that i owed 500 bucks from an NSF check drawn on a bank that i have never done business with. and the great part is that it was over 13 years ago!
i called and inquired about what this was and that they had the wrong person. the first person i spoke with was actually very nice. but as soon as she said that she did have any information and that they have a credit report with my name on it that says that a company called "fourscore" has owned the account and it has been on my credit report for years" i said okay i am done speaking with you i want to speak to your supervisor
so on came Mr. Calvin Thomas who at first was pleasant but as soon is I questioned the valididty of the claim he became very hostile.
I let him rattle on for a bit about how they came by the account and that he is just making a living just like me....
then he said why dont you just admit that you goofed up... that you wrote a bad check and that you dodged your debt... i will settle it for 190 bucks... come on work with me here. I laughed and told he was nuts i was not going to pay for something that was not mine, and then he said the stuff that really pissed me off...
and I quote " look I'll be honest, we targeted you because you have money, you are doing well, and you have excellent credit, and you dont seem like the kind of person that would want a negative comment on your credit report....
I stopped him and said "wait a minute even if it was mine you cant report it and you would have to sue me to collect and then viola SOL laws get thrown in your face... and for what 190 bucks? your insane and i laughed at him again. he said that i had made payments at the the SOL clock had been restarted... i asked him what company he got a credit report from and he said that he had a Trans union report from 1997 that showed the deleiquint account and that it was being paid...
i told him strike one 1000 bucks for me... because i happen to have a report from 1997 (because that is when i bought my house) and it is not there....he then tried to correct and that it was a 1999 report and that he can see that i am doing well and that 190 bucks is nothing to me.. i can see your mortgage and your credit cards he proceeded to rattle of my current mortgage and current cards and i called him on it again. i informed him that if he ran my credit report without my permission i wouyld sue him. he said oh no this came with the file we got last year... again those are current account less than a year old... he is so full of crap....
anyway the converstaion went on like this for a few more minutes and he just got more and more upset because everytime he tried to make up something i countered with something he could not fight... i laughed at him. it was actually quite fun... becaus eit was like turning the tables...
he would not admit that he could not report a anything to a CRA but finally he changed the story to him being able to place a "WATCH REPORT" on my credit file, and that while it does not show up as a negative item it is a redflag to future creditors and they wont lend to me. NO SUCH THING>>>> at that point i told him that he need to be careful because everything he says from that point on is being recorded... and that if he continues this i would sue him personally in small claims court for each violation of the FDCPA he commits....
he said well you have until the 31'st to decide on our settlement offer.. click......
immediatly i fired off a Dispute, cease and desist and a copy of the federal and state regs with a big note saying to F OFF
i also reiterated that i had documented a minumum of four times that he lied and violated the FDCPA and that I would sue him because it would be easy money for me....
belive me if i here from them again i will sue him , he will be so pissed because he would have to come to small claims to defend himself. and i really would not care if he paid me of not... hopefully he would not because i would love to have his s***k butt harrased for trully being a dead beat....
J
Turlock, California
U.S.A.
Click here to read other Rip Off Reports on Camco
7 Updates & Rebuttals
Lifter
Los Angeles,California,
U.S.A.
this is NEVER the case with agencys such as sCAMCO
#2Consumer Comment
Mon, October 27, 2003
Sounds pretty groovy. Where did you get your info? When I spoke with the FTC and Trans-Union, I was told in very simple terms that a CA can pull an inquiry if for no other reason than to obtain current information for the account in question regardless of its validity. As for being assigned a debt, this is NEVER the case with agencys such as sCAMCO. These accounts are PURCHASED not assigned. As for supporting documentation, most bottom feeder CAs don't have ANYTHING. That's where the consumer can spank 'em because without PROOF CAs are powerless altogether. If you've got REFERENCES that state otherwise, I'm all ears.
Tracy L.
Las Vegas,Nevada,
U.S.A.
Response to Lifter
#3Consumer Comment
Sun, October 26, 2003
These companies only have permission to pull a credit report if they actually have been assigned to collect the debt, and if the debt is true. In the one person's case, the claim Camco was making was entirely false, therefore, any reports drawn on this person were fraudulently obtained. My fiance was just sent a letter by Camco, yes, he at one time had a Montgomery Wards account, that his ex-wife was to have paid. She contacted MW and had paperwork sent and furnished to change it over to her name. Thereby relinquishing all liability against my fiance of this debt. That, and the debt they are claiming is about 3 times what it was when they split up, and the ex didn't make any further charges against it. I am in the process of disputing this and another company that claims they both defaulted, and yet they can not produce paperwork stating a credit line was approved other than an initial and standard credit application.
Lifter
Los Angeles,California,
U.S.A.
sCAMCO and CRA inquirys... It's legal.
#4Consumer Comment
Sat, October 18, 2003
sCAMCO does inquirys for the purpose of collecting a debt. It's legal. That SUCKS but it's the law. This is how this wretched organization does it's thing. It EXPLOITS flaws in the FTC titles. There's lots of 'em and guess what, the consumer is holding the short end of the stick.
Aisha
New London,Connecticut,
U.S.A.
CAMCO GETS YOUR TRANSUNION REPORT
#5Consumer Comment
Fri, October 17, 2003
Believe me when I tell you, anyone that CAMCO tries to rip off, they get your TU report befor they even write you by pulling an illegal permissible purpose copy. They pay TU for this service, and it is a shame that personal info falls in these robbers hands. Get your reports any of you, but look a the date of their pull on your TU, and you will see, they pull them months before they contact you. Report this to the FTC, your AG, their AG, and Banking commissioner. This should be outlawed.
Aisha
New London,Connecticut,
U.S.A.
CAMCO GETS YOUR TRANSUNION REPORT
#6Consumer Comment
Fri, October 17, 2003
Believe me when I tell you, anyone that CAMCO tries to rip off, they get your TU report befor they even write you by pulling an illegal permissible purpose copy. They pay TU for this service, and it is a shame that personal info falls in these robbers hands. Get your reports any of you, but look a the date of their pull on your TU, and you will see, they pull them months before they contact you. Report this to the FTC, your AG, their AG, and Banking commissioner. This should be outlawed.
Aisha
New London,Connecticut,
U.S.A.
CAMCO GETS YOUR TRANSUNION REPORT
#7Consumer Comment
Fri, October 17, 2003
Believe me when I tell you, anyone that CAMCO tries to rip off, they get your TU report befor they even write you by pulling an illegal permissible purpose copy. They pay TU for this service, and it is a shame that personal info falls in these robbers hands. Get your reports any of you, but look a the date of their pull on your TU, and you will see, they pull them months before they contact you. Report this to the FTC, your AG, their AG, and Banking commissioner. This should be outlawed.
Aisha
New London,Connecticut,
U.S.A.
CAMCO GETS YOUR TRANSUNION REPORT
#8Consumer Comment
Fri, October 17, 2003
Believe me when I tell you, anyone that CAMCO tries to rip off, they get your TU report befor they even write you by pulling an illegal permissible purpose copy. They pay TU for this service, and it is a shame that personal info falls in these robbers hands. Get your reports any of you, but look a the date of their pull on your TU, and you will see, they pull them months before they contact you. Report this to the FTC, your AG, their AG, and Banking commissioner. This should be outlawed.
