Complaint Review: Capitol One - OSI Collections - Dublin Ohio

Janelle, Before I say anything else, just send these people a Cease and Desist letter. Google the term and you will get 18,000 templates on the internet. Pay the $5.20 and send it certified. They will dissappear overnight. Do not waste your time changing your phone number. As much as it pains me to agree with Apparent, they will not go away without the Cease and Desist. They will call your neighbors, your friends and any phone number you have ever put on paper. I also have to agree with them that, if you have the money, you need to pay the bill. Everything that I am going to say from here on out assumes that you do not have the money. Now, with that being said, I must speak on behalf of the consumer since Tom and Apparent have spoken on behalf of the collections industry. Apparents disseration on why you owe the debt you signed up for is valid. You signed a contract, you legally owe the money, OSI did not HAVE to offer you a settlement, blah, blah, blah, blah, blah, blah. It is the same training every debt collector in the industry has been put through. There is no such thing as a professional in this business. They may have been brainwashed to think that is a nobel story, but it simply ignores one major fact.....you cannot squeeze blood out of a turnip. The one single fact that Apparrent leaves out of her book is this....most people do not default on debt out of CHOICE. Every entry I read on this website goes on and on about your legal obligation and how you should not have taken on this debt if you could not pay it. Okay, I agree. But nine times out of ten when someone cannot pay their bills, there is a reason. Maybe they are out of work, maybe they have health issues or maybe, as they often throw in your face, they simply took on more debt than they can afford. But the OBVIOUS fact is, they have $3000 a month in income and $4000 a month in bills. Collection agencies can throw every tactic in the book at you, but in the end, SOMEONE is not going to get paid. Their job is to make sure they are not at the bottom of the list. They don't care if you make your car payment or your house payment. You have to pay Captial One because you have a "legal obligation" to do so. Duh! But you also have an obligation to keep your lights on and gas for your car. These people are not stupid. They are trained well and very aggressive. But do not give in to them. Spend some time on the internet and educate yourself. Do not talk to them on the phone. Deal only in writing. If they leave a message at your house, call them back after hours. When you get their answering service, confirm your home address and tell them you will only deal with them in writing. Let them know they can continue to "talk to the answering machine", but you will not resopond again until they send you something in writing. As soon as you have something in writing, you can send them a Cease and Desit. When you get your finances straight, deal with the original creditor and settle the debt. Good luck.

Janelle, Using the data you've provided I can deduce exactly what happened. You willingly participated in a settlement of an account that you know is past due and has went into collections. More than likely, you've agreed to settle this account in one lump sum. I do believe OSI does not allow settlements to range over more than a three month period. You no longer had the ability to pay the settlement amount because for some unforeseen reason, you're now on medical leave. You're angry that you owe balance in full again instead of the simple settlement of half of what you owe. A) You broke an agreement, which would be a breach of contract thus they're no longer held to said agreement. B) OSI Collections never had to offer a settlement on the account. C) Collectors only know what you tell them. D) Changing your number will not stop calls. You have no idea the lengths at which OSI takes to get phone numbers for you. I'll touch on point D really quickly before we go any further. OSI is given an account and generally speaking, to get a loan you have to put someone on the loan that would be a reference. More than likely someone you know really well, a parent/guardian/good friends. This file that they receive is your original application for said loan. Which means if it's recent, so is your references information. Let's say you're in between jobs and your friend knows this. Someone from a company he's never heard of is diligent and says you have an application in his office and the phone number is now disconnected (he/she knows this because you gave them your new contact info), he/she says Oh ya, she changed it. Bam, new number is produced. If that doesn't work, there are always systems on the internet that will track your every move. Every time you put your address down to register to vote, everytime you change your drivers license, every time you get pulled over in a van full of friends doing 90 down route 75, all of those peoples names are now associated with you. So they have this huge database of information tracking you from the day you turn 18 until the day you die...don't think for a second "changing your number" is going to stop the calls. It may for a month or two max and I say max with the utmost respect for the skiptracing department at OSI. They're diligent, they're intelligent and they make things happen. The next time you order pizza, think about where the caller ID number and name is stored ;), someone has to store those records...someone can sell those storage files to someone else and bam, your number. If someone has been running from a debt for a good while, someone who possibly has multiple delinquent accounts (most debtors do) and they make an arrangement but decide to call in and say they can not pay this settlement they need more time. As a collector, this person is now just putting them off. They're no longer getting the benefit of the doubt. You've broken your only promise that you've ever made to this person, he/she can now classify you under "debtor" and decide not to treat you like a customer. Keep in mind, treating you as a customer to begin with...is only a courtesy. It is a fact that you are not a customer of OSI's you are simply an account that decided not to pay. Secondly, I highly doubt that a collector at OSI said they had "paid capital one" already. If that happened, ask to speak to a supervisor...file a complaint and then contact the FTC. If they had given you false information by saying such a thing, you're entitled to a cash settlement from OSI for breaking the FDCPA. Assuming this is a 3rd party job we're speaking of and I know the Dublin office is not a first party client. You're also contesting staying in default until the balance is paid in full, I believe this to be true information. You broke a simple very clear arrangement that didn't have to be offered and was only offered to get you to pay and get you out of OSI's office. Once you go back on that agreement, you can't expect them to have 0 penalty for a broken promise. Every action that you've made, they've made an equal and opposite reaction. Consequences are indeed a part of life. Such is the game of collections. You've stated that you "tried to pay them when you could". From a collectors standpoint this sort of passive neglect doesn't cut it. I will ask you this one question and see if it opens your eyes a bit. Do you, as you state "try to pay your RENT when you can"? I wish my mortgage worked that way. Lastly, You are quoted as saying "I figured it was a scam after they were so rude to me. And they won't make any conditions on repayment of the loan." What scam? The scam that has a legally binding contract behind it? The scam that you had to sign in order to get the loan, knowing full well if it defaulted it would go into collections and you would more than likely owe a far greater amount than you owed to begin with? These were terms, regardless of your change in situation or employment that you signed and agreed to when you took a loan out. If you had better contact with CapOne prior to the default, they may have been able to make arrangements with you instead of sending it to collections but they had no choice. So now you're filing on this website saying a company that is doing a NECESSARY job (debt collection) is a scam because they went back on a settlement (which was not guaranteed to you in your loan contract) in which you had broken a promise (to them). Seem pretty clear cut and dry to me.

I am a professional in the collection industry and a former employee of OSI. Many of the problems and disputes with third party collection agencies stems from one of two areas. First, the individual that the consumer is dealing with is either misinformed or is intentionally uncooperative. It is always the right of the consumer to ask for a supervisor or other member of management if they are not getting anywhere with the collector that has been assigned to their account. The collection agency as a whole wants to come to the best possible arrangement for them and avoid a complaint that could reflect poorly on them in the eyes of their client. Keep asking and something can usually be arranged, don't assume the person you are talking to represents all of the views or policies of any collection agency the work for. Second, the fault is with us. We are eager consumers who have an unquenchable desire for credit. You entered into a credit agreement with Capitol One, a known high risk lender who has a reputation of being very aggressive in their collection practices on accounts that default. In short, next time pick a better lender. Remember, credit grantors are not all the same. Many are very concerned about the ability of their borrowers to repay their debts. Consistent communication as soon as problems arise may not help immediately, but will pay off down the road. If your reason for not paying the bill is the same each time and you have a good history of payment until a serious financial situation arises, many companies will make an arrangement before the debt is referred to a third party.

all the legal advice, makes me think someone didnt do good in law school, and took up bankruptcy filing. it's just a glorified secretary. It's only filling out papers. I wonder what kind of payment plans you would allow.

Kirk, You worked for the OSI office that contracts all of Cap One collections. OSI is not Cap One. I have been to court with them, and know this for a fact. Here is the info on OSI [not Cap One].>>>> OSI / Outsourcing Solutions Inc. AKA: OSI Collection Services Inc. 200 S Executive Dr Brookfield, WI 53005-4216 Phone: (262) 784-9035 Fax: (262) 787-7429 Web Address: www.osioutsourcing.com Web Address: www.osi-receivables.com Web Address: www.osi.to Dozens of other offices: OSI Collection Services, Inc. Ben Norvell 20401 N 29th Ave Ste 110 Phoenix, AZ 85027-3154 Phone: (623) 580-6200 Fax: (623) 580-6410 Henry Shorter 2920 Prospect Park Dr Suite 200 Rancho Cordova, CA 95670-6036 Phone: (916) 861-4900 Fax: (916) 861-4010 Christine Luhrsen, Manager 4165 E Thousand Oaks Blvd Ste 145 Westlake Village, CA 91362-3836 Phone: (805) 497-7476 Fax: (805) 370-2585 Kimberly Alexander 7720 E Belleview Ave Ste B303 Greenwood Village, CO 80111-2632 Phone: (720) 200-0307 Fax: (720) 200-0377 Jeff Ackiss 5022 Gate Pkwy Ste 204 Jacksonville, FL 32256-7088 Phone: (904) 380-2600 Fax: (904) 380-2612 Jonnie James, Operations Director 231 N Kentucky Ave Lakeland, FL 33801-4977 Phone: (863) 682-1181 Fax: (863) 683-7052 Marla Lumpkins 1375 E Woodfield Rd Ste 110 Schaumburg, IL 60173-5423 Phone: (847) 605-9400 Fax: (847) 969-7920 Philip M. Reid, Production Manager 6 Reservoir Cir Ste 100BLDG # E Pikesville, MD 21208-6374 Phone: (410)602-6860 Fax: (410) 602-1687 390 S. Woodsmill Rd., Ste 350 Chesterfield, MO 63017 Phone: 314-576-0022 Fax: 314-576-1867 William Cruz, Regional Production Manager 2147 Lincoln Hwy Ste 201 Edison, NJ 08817-3365 Phone: (732) 572-8800 Fax: (732) 777-6930 Ray Bock 5626 Frantz Rd Dublin, OH 43017-1559 Phone: (614) 766-5041 Fax: (614) 791-4720 Mike Budic 311 New Rodgers Rd Ste D Levittown, PA 19056-1029 Phone: (267) 572-0173 Fax: (267) 572-1565 Charles Zenker, III, Operations Manager 800 Wilcrest Dr Ste 300 Houston, TX 77042-1359 Phone: (713) 785-9690 Fax: (713) 917-7871 Dan Chapman 11501 N Lakeridge Pkwy Ste 400 Ashland, VA 23005-8052 Phone: (804) 323-3292 Fax: (804) 752-2635 Robert Pellegrino 12201 Tukwila International Blvd Ste 100 Tukwila, WA 98168-5121 Phone: (206) 315-1200 Fax: (206) 315-1350 And...Bud Hibbs says: ***** JUST RETURNING FROM BANKRUPTCY ***** The latest Enron of debt collectors can't keep their financial house in order. SAVE YOUR MONEY! OSI had filed for bankruptcy protection along with these OSI subsidiaries (dead-beat debt collectors - how appropriate): ABC Acquisition Company Accelerated Bureau of Collections, Inc. Alaska Financial Services, Inc. AM Miller & Associates, Inc. American Child Support Service Bureau, Inc. American Credit and Collection Inc. Business Revenue Capital Credit Corporation Central Patient Billing, Inc. CFC Services Corporation Continental Credit Adjustors Credit Collection Corporation Creditors Protective Association, Inc. FM of Arizona FM Services Corporation Furst and Furst Grable, Greiner & Wolff Co. Gulf States Credit Herring Financial Services, Inc. Hospital and Physician Services IMC Credit Services Medical Accounting Service Medical Billing Systems Medical Consumers Services, Inc. Medical Provider Accounting Service Missouri Medical Collections National Account Systems, Inc. National Business Division National Collex OSI Alaska Financial Services Outsourcing Solutions Incorporated Payco Professional Billing Services Retail Merchants Collection Service The Continental Alliance, Inc. OSI, the 2nd largest debt collection agency in the country had recently filed for bankruptcy protection. They couldn't pay their bills, but want you to send them your money! Talk about poetic justice and irony!! I hope the other debt collector/predatory scum gave the OSI owners the same harassment that OSI and their band of collectors have subjected the American consumer to. OSI began closing their branch offices and may not survive. As with all large agencies, they have GREAT difficulty in complying with FDCPA and FCRA requirements. The problem with them is credibility. You can NOT take what they say or report as accurate. They MUST be held accountable for their reporting and collection activities. >>>>>>>>>>>>>>>>>>>>> Hope this clears things up.

I too agree with the comment about Capitol One and their childish telephone tactics. Back to back I have received telephone calls from Capitol One, once they will ask for my husband, they will then call back at least three times back to back and when I answer they hang up or they will just hold the telephone. And as for as being late, I was not. The fact was customer service had my payment reported, but the collection department did not. They are very rude. I did not ask to be financed by them. I was financed with another company and Capitol One bought them out. I have never had a messed up experience as this with Capitol One. I have 2 other vehicles by Ford and Nissan and they have never act the way Capitol One has. Majority of this frustration is from the hurricanes. After the hurricane, they could never get the deferments straight and they would call all day hanging up and acting childish. Even one of the customer service representatives told me that Capitol one has a bad reputation on their customer service skills and professionalism. They don't take good telephone notes and when you call the special operations department it is weeks before you can even talk to someone. If I had not had this vehicle for only one year, I would have financed with someone else had I would have known earlier that Capitol One was taking over. They do need special training in the collections department.

What the bill collector told you is wrong. OSI does not buy charged off accounts from Cap 1. OSI is one of Cap 1's collection agencies. OSI was assigned your account by Cap 1, therefore if you want to pay your bill, you must pay it through OSI if still want to do your settlement. Also, they have specific criteria for settlements. OSI will have your account for six months, and after 3 months you are always eligable to settle for 1/2 of what is owed. All you have to do is tell them you will pay them 1/2 of what is owed or you will pay nothing at all. The bill collector will always try to make you pay more but if you give them an ultimatium, they will take it. Trust me, I used to work for OSI and I collected on Cap 1 cards.

Send them a cease communications letter too! Be sure to read the FDCPA [Fair Debt Collections Practices Act]. Go to FTC.gov to get it. Changing the phone # is great. But if you really want to confuse them,forward your mail to one of those private mailbox places, and when you sign up for it use a phony home address, or a past address, and check the box to not allow them to sign for anything on your behalf. Have fun with these morons.

Thank you for your rebuttal Steve. I stopped payment on this last one. I figured it was a scam after they were so rude to me. And they won't make any conditions on repayment of the loan. I think OSI should be put out of business. Or better yet let's all get together who have been screwed by Captiol One and OSI. And sue their losey jerks. Put them out of business. I have changed my phone number and I will ignore all other notices from OSI. Happy New Year. Janelle, Dublin, OH

You are no longer doing business with Capital One according to the statement by OSI that they already paid them. OSI is a debt buyer who more than likely paid pennies on the dollar for your debt. You had no obligation to pay them anything, but now that you sent them a payment you accepted the debt with them and created a business relationship, AND re-started the 7 year clock on the date of the delinquency. Go to www.budhibbs.com and read up on this. Also go to the FTC website at www.ftc.gov. Knowledge is power!