Ella
Baltimore,#2Author of original report
Sat, March 18, 2006
Although they have the word BANK in the title, these people are third party debt collectors. I have had two very disappointing responses from the BBB and the FTC. The BBB says they cannot proceed further on the matter without an address. Am I supposed to hire a private investigator to get this information for me since the company refuses to divulge any address information? The FTC apparently barely glanced at my request and issued a response that "we don't regulate banks". This after I made it clear that they are NOT a bank. I have responded to both agencies, but don't hold out much hope of any of them actually taking any action on this. I'm submitting my complaint to my local State Attorney General's office and then I will probably get an attorney as well as float the info past the research folks at DATELINE NBC to see if they would be interested in doing a story on these people.
John
Chandler,#3Consumer Comment
Fri, March 17, 2006
It appears that there may be some confusion. From the sounds of the name they may be a creditor. If you read the FDCPA carefully you will see that the original creditors are exempt from this act. From the short time I spent on the internet, they seem to not be a third party collection agency or debt buyer. But let's presume for a moment that they are. They must cease communicating with you at work if they come to understand that your employer doesn't allow that kind of communication. Your employer would have to tell them that. Embarassing yes. Most state do have a fraud statute that covers situations like this in collecting monies through force or intimidation. The police will have no simpathy for you and you will not prevail in court if you have no proof. You should check your states laws regarding recording conversations. If it is allowed do so as many times as you can. Then you will have a case that you can file in civil court. There is a possibility that an off shore company is calling you on behalf of the bank. Another problem. Generally though in any case the Attorney General of your state is the policing agent. You shoould go on line with them and fill out a complaint. Generally this will stop them.
John
Chandler,#4Consumer Comment
Fri, March 17, 2006
It appears that there may be some confusion. From the sounds of the name they may be a creditor. If you read the FDCPA carefully you will see that the original creditors are exempt from this act. From the short time I spent on the internet, they seem to not be a third party collection agency or debt buyer. But let's presume for a moment that they are. They must cease communicating with you at work if they come to understand that your employer doesn't allow that kind of communication. Your employer would have to tell them that. Embarassing yes. Most state do have a fraud statute that covers situations like this in collecting monies through force or intimidation. The police will have no simpathy for you and you will not prevail in court if you have no proof. You should check your states laws regarding recording conversations. If it is allowed do so as many times as you can. Then you will have a case that you can file in civil court. There is a possibility that an off shore company is calling you on behalf of the bank. Another problem. Generally though in any case the Attorney General of your state is the policing agent. You shoould go on line with them and fill out a complaint. Generally this will stop them.
John
Chandler,#5Consumer Comment
Fri, March 17, 2006
It appears that there may be some confusion. From the sounds of the name they may be a creditor. If you read the FDCPA carefully you will see that the original creditors are exempt from this act. From the short time I spent on the internet, they seem to not be a third party collection agency or debt buyer. But let's presume for a moment that they are. They must cease communicating with you at work if they come to understand that your employer doesn't allow that kind of communication. Your employer would have to tell them that. Embarassing yes. Most state do have a fraud statute that covers situations like this in collecting monies through force or intimidation. The police will have no simpathy for you and you will not prevail in court if you have no proof. You should check your states laws regarding recording conversations. If it is allowed do so as many times as you can. Then you will have a case that you can file in civil court. There is a possibility that an off shore company is calling you on behalf of the bank. Another problem. Generally though in any case the Attorney General of your state is the policing agent. You shoould go on line with them and fill out a complaint. Generally this will stop them.
John
Chandler,#6Consumer Comment
Fri, March 17, 2006
It appears that there may be some confusion. From the sounds of the name they may be a creditor. If you read the FDCPA carefully you will see that the original creditors are exempt from this act. From the short time I spent on the internet, they seem to not be a third party collection agency or debt buyer. But let's presume for a moment that they are. They must cease communicating with you at work if they come to understand that your employer doesn't allow that kind of communication. Your employer would have to tell them that. Embarassing yes. Most state do have a fraud statute that covers situations like this in collecting monies through force or intimidation. The police will have no simpathy for you and you will not prevail in court if you have no proof. You should check your states laws regarding recording conversations. If it is allowed do so as many times as you can. Then you will have a case that you can file in civil court. There is a possibility that an off shore company is calling you on behalf of the bank. Another problem. Generally though in any case the Attorney General of your state is the policing agent. You shoould go on line with them and fill out a complaint. Generally this will stop them.