- Report: #352076
Complaint Review: RSI Claims Process Services Murray Bradshaw & Associates Discover Card ? - Snellville Georgia
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RSI Claims Process Services Murray Bradshaw & Associates Discover Card ?
2483 Heritage Village Suite 16.324 Snellville, 30078 Georgia, U.S.A.
Phone:
678-916-5966
Web:
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RSI Claims Process Services, Murray, Bradshaw & Associates, Discover Card ? Violating the FDCPA Snellville Georgia
Got knocked on my backside in 1995 after my daughter was born. I bought a house and land and they pushed 21 trees to the back of the property and the house was sitting in a lake of water. I couldn't let my children outside to play because of the snakes. Spoke with an attorney and all he did was tell me he couldn't help me and charge me 285 for a 30 consult. I disputed that issue and got it resolved but was stuck with my lake house. Begining of 96 my car broke down and I had to buy a new used one. Then we were hit by two hurricanes within weeks of each other. Bertha soaked the ground for two weeks then Fran put a tree into my house. Insurance wouldn't pay until the work was complete or a contractor was hired and we couldn't find a contractor. Anyway mail didn't run for quite a while and I had to pay for repairs out of pocket so I got behind on some bills. It took 6 months to get everything down and all the trees removed. Got hit again in 99 with Floyd. Got everything settled and taken care of and have been slowly rebuilding my credit.
Now it is 13 years later and I get a call from RSI Claims Process Services saying they are going file a civil lawsuit for an old Discover Card ? They never verified my ss# never gave the account # never gave the amount owed. Misrepresented who they were four times. Kept saying they were a consulting firm. They said that a law firm Murray, Bradshaw & Associates had bought the old debt. Wanted me to transfer over to their debt resolution department to settle this debt out of court. Tried to transfer me to debt resolution like three times. I got annoyed and asked "who are you people?" I asked about the statute of limitation and the gentlemen( I use this word lightly ) I spoke with informed me that Discover Card and all following collection agencies had paid a fee to keep the account open. I informed him that was illegal and he assured me that everything they were doing was legal even after I brought up the FDCPA. I was told I could dispute the debt in court. That Murray, Bradshaw & Associates intend to file a civil suit in my county ( and he named my county so if they file elsewhere it's deliberate) against me for willful fraud as if I had gotten the credit card with no intention of ever paying it. YEAH GUYS I CAN SEE WHERE ACTS OF GOD COULD BE CONSIDERED WILLFUL INTENT TO COMMITT FRAUD. (rather colorful explitive removed)
Waited Patiently for a verification letter as required by federal law under the FDCPA. Never received one.
I sent a letter of dispute certified return receipt regarding ANY Discover Card account attached to my name and address, they thought was mine. I am patiently waiting for response but seriously doubt one will come. I found a dispute letter online and adjusted it to suit me. God I love the internet!
I don't know if this is my debt have not been given enough information to verify it and felt very put out by the tactics employed by these people. Looked the number up on 800notes.com and apparrently these folks aren't on the up and up from what I am reading.
Found them listed under the BBB of Georgia they are listed as a Collection agency which they denied on the phone.
Georgia State Attorney Generals Office has received so many complaints they are redirecting them to the Governors Office of Consumer Complaints
So be very wary of anyone who calls you about a debt you cannot verify as yours. Thought they were trying to steal my identity. Still do.
All the information they did give me could be found online under those people look ups and intelius. Anyway I searched myself online and thank GOD more then half their information is inaccurate and I intend to let it stay that way LOL. GOD I hate the internet LOL!
I filed a complaint with the FTC.
I filed a complaint with the Attorney Generals Office of my state.
I filed a complaint with the BBB of Georgia.
I filed a complaint with my local police department.
PS the address given is a rented UPS box and their ISP for their site originates out of Buffalo NY.
Whoever these people are they don't care about the laws that govern them or the laws of your state. State law for NC gives three years to file lawsuit on credit card debt. They are thumbing their noses at the states that protect and govern us and I quite honestly would find great offense in that if I were an attorney practicing in this state.
Any Attorney whose practice regularly does collection is considered a third party collection agencies and must abide by the FDCPA as well. If the Attorney is in violation of the FDCPA then file a complaint against the attorney to the agencies listed above.
Go to the FTC site http://www.ftc.gov/
and read up it's a very enlightening education for all.
To change credit card laws go here and chime in on these proposals.
http://www.federalreserve.gov/newsevents/press/bcreg/20080502a.htm
Also see Bud Hibbs Site at http://budhibbs.com/
I have to say that to some extent I am grateful to this company. Because of their incredulous tactics I was forced to research every aspect of my rights under the laws of my state and the FDCPA thoroughly and because of this I know more about my rights now then I have ever known my whole life.
Readallaboutit
somewhere, North Carolina
U.S.A.
Now it is 13 years later and I get a call from RSI Claims Process Services saying they are going file a civil lawsuit for an old Discover Card ? They never verified my ss# never gave the account # never gave the amount owed. Misrepresented who they were four times. Kept saying they were a consulting firm. They said that a law firm Murray, Bradshaw & Associates had bought the old debt. Wanted me to transfer over to their debt resolution department to settle this debt out of court. Tried to transfer me to debt resolution like three times. I got annoyed and asked "who are you people?" I asked about the statute of limitation and the gentlemen( I use this word lightly ) I spoke with informed me that Discover Card and all following collection agencies had paid a fee to keep the account open. I informed him that was illegal and he assured me that everything they were doing was legal even after I brought up the FDCPA. I was told I could dispute the debt in court. That Murray, Bradshaw & Associates intend to file a civil suit in my county ( and he named my county so if they file elsewhere it's deliberate) against me for willful fraud as if I had gotten the credit card with no intention of ever paying it. YEAH GUYS I CAN SEE WHERE ACTS OF GOD COULD BE CONSIDERED WILLFUL INTENT TO COMMITT FRAUD. (rather colorful explitive removed)
Waited Patiently for a verification letter as required by federal law under the FDCPA. Never received one.
I sent a letter of dispute certified return receipt regarding ANY Discover Card account attached to my name and address, they thought was mine. I am patiently waiting for response but seriously doubt one will come. I found a dispute letter online and adjusted it to suit me. God I love the internet!
I don't know if this is my debt have not been given enough information to verify it and felt very put out by the tactics employed by these people. Looked the number up on 800notes.com and apparrently these folks aren't on the up and up from what I am reading.
Found them listed under the BBB of Georgia they are listed as a Collection agency which they denied on the phone.
Georgia State Attorney Generals Office has received so many complaints they are redirecting them to the Governors Office of Consumer Complaints
So be very wary of anyone who calls you about a debt you cannot verify as yours. Thought they were trying to steal my identity. Still do.
All the information they did give me could be found online under those people look ups and intelius. Anyway I searched myself online and thank GOD more then half their information is inaccurate and I intend to let it stay that way LOL. GOD I hate the internet LOL!
I filed a complaint with the FTC.
I filed a complaint with the Attorney Generals Office of my state.
I filed a complaint with the BBB of Georgia.
I filed a complaint with my local police department.
PS the address given is a rented UPS box and their ISP for their site originates out of Buffalo NY.
Whoever these people are they don't care about the laws that govern them or the laws of your state. State law for NC gives three years to file lawsuit on credit card debt. They are thumbing their noses at the states that protect and govern us and I quite honestly would find great offense in that if I were an attorney practicing in this state.
Any Attorney whose practice regularly does collection is considered a third party collection agencies and must abide by the FDCPA as well. If the Attorney is in violation of the FDCPA then file a complaint against the attorney to the agencies listed above.
Go to the FTC site http://www.ftc.gov/
and read up it's a very enlightening education for all.
To change credit card laws go here and chime in on these proposals.
http://www.federalreserve.gov/newsevents/press/bcreg/20080502a.htm
Also see Bud Hibbs Site at http://budhibbs.com/
I have to say that to some extent I am grateful to this company. Because of their incredulous tactics I was forced to research every aspect of my rights under the laws of my state and the FDCPA thoroughly and because of this I know more about my rights now then I have ever known my whole life.
Readallaboutit
somewhere, North Carolina
U.S.A.
4 Updates & Rebuttals
Readallaboutit
Rocky Point,North Carolina,
U.S.A.
How did they associate your ex with you
#2Author of original report
Sun, March 29, 2009
This is easy. With the information these junk debt buyers or zombie debt buyers buy they get your name and some personal information like addresses and such. Then they go into itlellius or people search, people find. They plug in the name and address information they have and it pulls up possible matches and addresses so any name associated with yours whether it's actually you are not gets searched in turn and usually yeilds some contact with a current address. All of the information is a matter of public record it just offends the heck out of me for these companies to make it so easy to find. What really bothered me in my case was that I was not provided any actually information that identified or that this was even an account of mine beyond old adresses which was easily found with fifty other results for my name which were not me. The reason we can't stop them is that debt buying is very lucrative and is largely unregulated at their level. The Federal and State governments could change this by implementing heavy regulations for debt collection agencies that do a bit more then just fine these people for basically terrifying and extorting honest hard working people who had fallen on hard times and worked their way out of it. If you do search yourself remember they are collecting your information as you enter it so don't enter extremely sensitive information such as ss# current address if it isn't already known. If you are getting sued I suggest looking into jurisdictionary.
Readallaboutit
Rocky Point,North Carolina,
U.S.A.
How did they associate your ex with you
#3Author of original report
Sun, March 29, 2009
This is easy. With the information these junk debt buyers or zombie debt buyers buy they get your name and some personal information like addresses and such. Then they go into itlellius or people search, people find. They plug in the name and address information they have and it pulls up possible matches and addresses so any name associated with yours whether it's actually you are not gets searched in turn and usually yeilds some contact with a current address. All of the information is a matter of public record it just offends the heck out of me for these companies to make it so easy to find. What really bothered me in my case was that I was not provided any actually information that identified or that this was even an account of mine beyond old adresses which was easily found with fifty other results for my name which were not me. The reason we can't stop them is that debt buying is very lucrative and is largely unregulated at their level. The Federal and State governments could change this by implementing heavy regulations for debt collection agencies that do a bit more then just fine these people for basically terrifying and extorting honest hard working people who had fallen on hard times and worked their way out of it. If you do search yourself remember they are collecting your information as you enter it so don't enter extremely sensitive information such as ss# current address if it isn't already known. If you are getting sued I suggest looking into jurisdictionary.
Youcaughtmehere
Keller,Texas,
U.S.A.
RCI NOW NATIONAL SERVICE PROCESSORS AS WELL
#4Consumer Comment
Sat, January 17, 2009
Last week,i get a call from my ex husband of 18 yrs. Stating an investigator called him and stated I had civil charges againest me and important i called them.If I did not,they were going to bring criminal charges againest me. He gave them the last good number he had on me. When they tried to call it and found out it was no longer my phone,then called my ex husband back,asking for personal information. Which my ex had none to give.(THANK GOD). My ex contacted our son and had him contact me and pass on the word. I called my ex to get the number of these people and the full story. It didnt sound right. I asked him for the number,and the first thing that set off alarms is when he said an investigator was "looking" for me..How can an investigator NOT find me? I have a home,two cars??? The next alarm was when he gave me the area code.It was Georgia. How did I commit a crime in GEORGIA? I opted NOT to call them. But investigate them,ditto,thank god for the internet! Boy,was I floored when I read about his company! They've changed their name atleast 11 times. My question is how they trace my ex to me? We have been divorced 18 years. Have nothing together on a credit report. I never shared his current home nor phone number?? How did they dig this up? They are scammers..big time. I too filed with the FTC and the BBB. I will however file with the State attorneys office. This is scarey! Even to find out this is ran by 2 convicted felons?! Why arent they stopped???
Readallaboutit
Rocky Point,North Carolina,
U.S.A.
UPDATE
#5Author of original report
Thu, July 24, 2008
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
