Quetta
Houston,#2UPDATE EX-employee responds
Mon, August 08, 2005
I used to work for this company and not only are their collection tactics ridiculous, but the owner is extremely arrogant (he called one employee stupid to his face). I used to work for another "professional" collection agency and CRSI is by far the worse. We were trained to "get around" FDCPA laws in order to collect payment on payday loans that in some cases weren't even for the people we were calling. Some people would even send in proof that this was not them (i.e., ss card, birth certs, bank statements, etc.) and our boss claimed all debtors are liars and they are trying to avoid paying their bills. This was very unfair and unjust because identity theft is REALITY and it does happen (I'm a victim)! Now there are deadbeats out there, but you cannot call someone's aunt or grandmother saying there has been a complaint filed against them. According to FDCPA you can only leave the company's name/caller's name and telephone number, THAT'S IT! They cannot leave a reference number, account number, file number or anything of that nature. As far as them saying, "There has been a complaint filed in my office and failure to return my call will result in further action" on someone's answering machine or with another person is indeed 3rd party disclosure. They tried to brainwash me but needless to say it didn't work. When we would answer the phones we were told not to say the name of the company unless we had the debtor on the phone. We gave fake names (alias') to "protect" ourselves. We were not allowed to setup payment arrangements unless the account was in the hands of a particular collector. And as far as the company removing credit marks, yeah right, not even if your life depended on it. They say that so you will pay up. Anyone who cares about their credit will pay anything to clear negative items. BEWARE! This company is money hungry and will do and say anything to make you pay for a payday loan that you probably didn't even know you had. These are loans taken out over the internet those payday loan companies rarely verify information, so anyone could have taken your info and gotten a loan. In some cases, the bank account could be in someone else's name. As far as being an employee for this company, I have never heard of getting written up for clocking in 10 minutes early. Your kid could be at home dying and the owner would respond, "I can't make any exceptions regardless of the circumstances." There was one new girl that was so determined to keep her job she came to work with pink eye so bad, she could hardly see. He sent her home and when she came back the next day he fired her. She had only been there 3 weeks! I should have suspected something when I had to pay for my own drug test, I was there past my 60 days and I never got reimbursed! For those who think I am a disgruntled ex-employee, trust me I'm not. I quit due to the fact that I am worth more than $8.65/hr and I don't have to put up with a business owner that talks to his employees like they have no high school or college education (yes I do have a degree). I finally landed the job I have been praying for and I have never been happier.
S.n.
Bucyrus,#3Consumer Suggestion
Fri, August 05, 2005
Do NOT talk to these people anymore on the phone. Do not email them. Do everything in writing, certified mail, return receipt requested. They MUST validate the debt. You don't owe them until THEY prove you owe them (legally). See the following websites for more information: http://www.creditboards.com http://www.artofcredit.com The key is keeping a paper trail with this collection agency. Good luck.