First Source Advantage LLC: 5 Key complaints against the CA

btw here is their updated contact info

First Source Advantage
PO BOX 628
Buffalo Ny, 14240
866-394-8386
716-564-4440 fax

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My first contact with First Source regarding my Capital One Account back in October. They called my stepmother, who lives in another city, making claims that they had important information regarding my social security number and that it was imperative that I return their call. I also received a message at home on my voicemail. I called and this rude guy tells me Capital One should have never given me an account and that they have contacted my attorney, the whole nine yard. Anyway, I told the guy his opinion is not going to help him collect the debt, and that I have every intention of paying my bills. He continued with his rude rant, so I told him to shut up and listen to what I had to say, and he hung up the phone. I called back and spoke with the manager, who stated they are not going to beg for the money, and that legal action can be taken against me to recover the debt.

I proceeded to explain the manager how his agent violated my rights by calling a third party, making false statements about a problem with my SSN, to cease and desist calling me or any third party, return the account to Capital One, and that a certified letter will be sent stating the same. He then hung up on me too. I faxed and mailed a certified letter the same day. I have the confirmation card they received it.

Apparently, they don't follow the FDCPA, because a month later, a new agent calls my father's house again leaving a message regarding my account, but he deleted it off the answering machine. They also, left a message at my home, which I kept. Also, Capitol One was still accepting ACH payments from me, set up on their website, just accepting money last Friday. I'm confused on what to do.

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if an overpayment is made; what is the procedure for a refund?

:confused:how does one get an overpayment refund?

but they cannot reverse what has been paid out to Firstsource Advantage, LLC one by electronic chk then the payment I sent in; was just suppose to be one:confused:

I find all of this interesting... I was just googling the company so that I could get the mailing address to send in a payment. I really wonder how legit this company really is. I received nothing in writing from them EVER they just appeared out of no where and started calling my work (not sure how they got this number). So I asked Albae to stop calling my work and he did. But anyway when I call their it seems like this is a company that is ran out of a residence. As I spoke with Albae today, I could hear a I guess cheering in the background. I asked if they were having a party today; his response was "No, when we receive a payment an announcement is made." Hmmm really, is this how a professional debt collection agancy really works? Not so sure! Is there a way to find out if this company is legit?

quite your whinning and pay your damn bills. Grow up

We do not advocate not paying bills that are legitimate! We do however take issue with bill collectors that break the law and deliberately make peoples lives miserable to get their little commissions that amount to sub-standard wages to begin with!

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you may owe a debt to the original creditor, but you should find out if you are legally obligated to pay a collection agency who bought the debt for pennies on the dollar. you might consider sending them a validation letter to find out. ask for the agreement that allows them to collect the debt from you (did you make one? ) and a copy of the original contract with your signature. why should you pay someone you might not even owe? any scammer can call you on the phone and say you owe them the money. it also would be useful to get a free consultation with an attorney.

This is a very bad collection company that should be sent charge large fines and close down. I have paid this company over $3200.00 for a $750.00 bill from Room store. I paid the balance in Sept. and receive a check back from Room Store in Nov. I just receive a call from one of thier reps. who said I have more interest and I owned $79.00 and it was going to keep growing. There must be a way to stop this kind of stealing from consumers.

Dear Who This Concern:
HI I am janey Ann Fields You guys been calling me but I don't Live in galesburg ILL anymore. I live in Texas. Well You can e-mail me at DELETED...PM. I just want to tell you I Don't work right now I am a stay home Mother.

Janey Ann fields

we are not this bottomfeeder.you will have to contact them yourself.please don't post personal info per TOS rules.

A caller from First Source Advantage called yesterday evening (Tuesday). He addressed me personally and asked for someone named Victoria Holtz. I have never heard of this person and asked why he had called my number, at my address (he asked for address verification) and used my name. When I asked what type of business he represented he side-stepped my questions by saying it was personal business. I asked him why he would call me at my phone number for personal interests of a person I have never heard of and told him this person has given him incorrect information.
This is not the first time I have received these types of phone calls.
When tracking down credit card debts for companies, banks and individuals I suggest you make sure your information is accurate and not bother honest, law- abiding citizens. These calls border on harassing.
I don't know why your company has my name, address and phone number on file for this person but suggest you delete it immidiately.
Thank you for addressing my concern.

Hi All:

My landlord owes them money & they called my cell phone which should be unlisted? How did they get my number? It's not my debt but my landlord's. Can this company make me pay for my landlord's debt? I only rent from her & I am not a relative.

Suzie

do they pose as an employer to get you to come in for an interview? I was contacted by them for a Patient Service Rep job but I have applied so many places I wasn't sure if this is right

these idiots are contacting for a debt i owe AE. they refuse to give me a number to send a cease and decist letter, have constantly harrassed me, threatened to call my ex husband who has nothing to do with this debt, and always state no supervisor available. just told last guy who was verbally harrassing me i was recording call to send to attorney, asked me how i could afford an attorney and stated he couldn't speak to me again if i was recording call. it is legal in texas to record. number he called from couldn't be traced. they will not let anyone talk and keep going on and on telling me i was not moral, can i sue them

Agents say form letter. it doesn't state once paid this is a free and clear debt from futher liability. no futher monitary obligation. Agents states settlement means that. can't add statement to form. Is this true or leagal speak and once paid someone else can come after you

Hello,

I live in CA and am sure First Source is contacting me on behalf of JPMorgan Chase Bank. I currently have a small claims action against Chase Bank for assessing my checking account over $4,500 in overdraft and returned item fees between the period July through December 2009. Do you have an e-mail address for First Source. If I write them and tell them to stop harassing me the calls must stop. Thanks.

Everyone here needs to get a life. I've been a faithful FSA employee for the past year and know without a shadow of a doubt that the company practices fair and legitimate business. I see a ton of negativity on this forum about my company but everyone here fails to realize one simple fact: if you didn't want to do business with us, you probably should have paid your bill before it reached this point. The best advice I can offer on this subject is: Grow up, act like an adult and make the best out of a bad situation.

Hi, It appears that they have changed their name again. I had a telephone call at - 7:55 AM, 1-26-10 - on my landline that was left on my answering machine. The caller, first name Keith - last name was indistinguishable, claimed to represent SOURCE FINANCIAL SOLUTIONS and further that this criminal outfit was formerly "FIRST SOURCE FINANCIAL ADVANTAGE. They have never sent me a notice by mail. When ever I receive a letter from a D.C. I respond by demanding that they send me a copy of the agreement within 30 days. I demand that they give me 'honest services'. This is important because by using the mail they are required to respond or their first correspondence can be considered 'Mail Fraud' should they not answer. They must give honest services or else they can be prosecuted criminally (TITLE 18 - PART I - CHAPTER 63 - ?? 1346) and the victim may have the right to sue them civilly. What say you. Ron S

I edited out the profanity and insults. Then I saw that there was nothing left... - Uncle Wulf

I recived a call from this company First Source.. I am not behind of any bills. I haven been fighting Identity theift for a while now. How can I get these people send me legit info????

can you please send me a 1099c form for the account
*************** for our tax advisor for our taxes for 2009 ?? Thanks!
Cheryl Dietiker- ***-***-****
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This is not First Source. This is an Internet message forum dedicated to helping people with financial issues. And please don't post your personal information in an open forum!!! - Uncle Wulf

we made a verbal aggrement with levy regarding our polaris HBSC Account, to make a payment of $208 every month with no interest or late fees as our wages have decreased we agreed. I received a letter stating they received payment , but that interest will continue to accrue on this account therfore the amount due on the day you pay may be greater and we had 30 days to contact them. after being unable to contact them I googled them and was told by HBSC that this information was false that there were late fees and the original interest. they were going to try to contact them and get back to me? Elaine from HBSC stated they are employed by them doesnt this make it a verbally binding agreemen/t

get my phone number off your data base. you are looking for someone named courtney - no one lives here by that name - if i receive anymore phone calls, this will be reported as a FDCPA violation


Your phone number wasn't 'on' our database until you put it there by typing it in the subject line of this message. This is an Internet community dedicated to helping people with financial issues. We are not a collection agency. - Uncle Wulf

Just a few Facts that you should know before you get upset at collectors for doing OUR job. at the end of the day our job is to HELP you find a way to pay the DEBT you currently owe. so when your cursing us out and slamming the phones in our ear like anyone else, we react. so when a collector no longer wants to offer you anything after your cursed him/her out numerous times before listening its your own fault


1. the same skip tracing information used by FSA is used by every other collections agency thats how they get you or any one elses information

2. if they contact u asking for someone else means either that number once was linked to that person or was in contact with that person. all u have to state is "i dont know the person" and they will take ur number off. as that persons account is passed to other collection agencies they may skip-trace again and Re-call u because the information is not passed along

3. if a check is bounced with FSA they will try to contact you again to recover that check. They will not and cannot pull from your account again because all of your other checks fall off because that ONE check bounced..

4. a letter is sent to your from FSA 5-7 days prior to any checks being pulled from your account notifying you of how much is pulled and the day it will be pulled. like any other check it may take some time to come out give it a few days. just like with everyone else you should verify they did the checks in correct order and of the correct amount. the only reason you would not receive a letter is if you set it for the next day after you called in.

5. like any other creditor FSA can see all of your info. if you do need more proof they can verify what they have, you will recieve a letter, you can also call HSBC and or the store you owe and they will tell you who has the information (in most cases)

6. as long as you have an account with FSA they will call you. untill it is NO LONGER IN OUR OFFICE. its funny because the minute there account leaves is when most people want to call in and get help on the matter. At that point its too late now your account only grows in fee.

7. FSA sends letters after your account is either settled and paid in full if you don't get one then request one. unlike other collection agencies we try to help the Debtor. People have there accounts end up in our office all the time when they paid off other agencies settlements but didn't get a settlement letter so what ever balance they have can be sent off and collected on because they have no proof it was settled.

8. if FSA is calling you on behalf of your personal business matter. its because it came in our office we didn't go out and find it to call you out on. whom ever screwed you over may it be the store or bank it wasn't FSA so pick you battles to get mad at the people helping you. Collectors are human if you curse them, they will get defensive and not want to assist you. listen to the key words "This is what we have, This is what you can do, This is how we can help, now what approach do you want to take to so we can resolve this"... it isnt going to go away by wishing it away or cursing people out, not answering, or hanging up

[QUOTE=Anonymous;649338]Just a few Facts that you should know before you get upset at collectors for doing OUR job. at the end of the day our job is to HELP you find a way to pay the DEBT you currently owe. so when your cursing us out and slamming the phones in our ear like anyone else, we react. so when a collector no longer wants to offer you anything after your cursed him/her out numerous times before listening its your own fault


1. the same skip tracing information used by FSA is used by every other collections agency thats how they get you or any one elses information

2. if they contact u asking for someone else means either that number once was linked to that person or was in contact with that person. all u have to state is "i dont know the person" and they will take ur number off. as that persons account is passed to other collection agencies they may skip-trace again and Re-call u because the information is not passed along

3. if a check is bounced with FSA they will try to contact you again to recover that check. They will not and cannot pull from your account again because all of your other checks fall off because that ONE check bounced..

4. a letter is sent to your from FSA 5-7 days prior to any checks being pulled from your account notifying you of how much is pulled and the day it will be pulled. like any other check it may take some time to come out give it a few days. just like with everyone else you should verify they did the checks in correct order and of the correct amount. the only reason you would not receive a letter is if you set it for the next day after you called in.

5. like any other creditor FSA can see all of your info. if you do need more proof they can verify what they have, you will recieve a letter, you can also call HSBC and or the store you owe and they will tell you who has the information (in most cases)

6. as long as you have an account with FSA they will call you. untill it is NO LONGER IN OUR OFFICE. its funny because the minute there account leaves is when most people want to call in and get help on the matter. At that point its too late now your account only grows in fee.

7. FSA sends letters after your account is either settled and paid in full if you don't get one then request one. unlike other collection agencies we try to help the Debtor. People have there accounts end up in our office all the time when they paid off other agencies settlements but didn't get a settlement letter so what ever balance they have can be sent off and collected on because they have no proof it was settled.

8. if FSA is calling you on behalf of your personal business matter. its because it came in our office we didn't go out and find it to call you out on. whom ever screwed you over may it be the store or bank it wasn't FSA so pick you battles to get mad at the people helping you. Collectors are human if you curse them, they will get defensive and not want to assist you. listen to the key words "This is what we have, This is what you can do, This is how we can help, now what approach do you want to take to so we can resolve this"... it isnt going to go away by wishing it away or cursing people out, not answering, or hanging up
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eight pages contradicting everything you just posted you posted carries more weight than a humanoid shill.btw correct me,but threatening people and not taking payments other than over the phone isn't a scam how?you never send anything at all because you are a bottomfeeding scam.go back to the phones as you are another that can't spell to save their lives.just to put it simply nobody here is buying this hooey.

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who are these people you refer to as creeps. don't judge us all on some idiot collectors you have come across i have no problem helping my clients on the regular the purpose of my job is to get your account OUT of my office i don't see a purpose to nagging people on the regular is either you can or u cant and if you can the question is how are we going to work this out based on your income and my guidelines i've broken payments up as far as 36 months so i'm not sure who your speaking to on the phone. its funny how you say us sending letters is a LIE when clients call in FROM THE letter because they get a LETTER when we get their account and the get a LETTER before money is drawn from their bank account and they also get a SETTLEMENT letter if we haven't contacted them in a certain amount of time... so what letter you DIDN'T get is due to an incorrect address, you moving, or any changes in your address that we do not have in our system if someone does not want to be located its sometimes hard to locate them. its funny how you say were a scam we have 3 office locations Colorado, india, and newyork research the company if you'd like. its funny how you go on and on telling me what i do but i assist people on getting their accounts out of collections on a daily BASIS

[QUOTE=Anonymous;649735]who are these people you refer to as creeps. don't judge us all on some idiot collectors you have come across i have no problem helping my clients on the regular the purpose of my job is to get your account OUT of my office i don't see a purpose to nagging people on the regular is either you can or u cant and if you can the question is how are we going to work this out based on your income and my guidelines i've broken payments up as far as 36 months so i'm not sure who your speaking to on the phone. its funny how you say us sending letters is a LIE when clients call in FROM THE letter because they get a LETTER when we get their account and the get a LETTER before money is drawn from their bank account and they also get a SETTLEMENT letter if we haven't contacted them in a certain amount of time... so what letter you DIDN'T get is due to an incorrect address, you moving, or any changes in your address that we do not have in our system if someone does not want to be located its sometimes hard to locate them. its funny how you say were a scam we have 3 office locations Colorado, india, and newyork research the company if you'd like. its funny how you go on and on telling me what i do but i assist people on getting their accounts out of collections on a daily BASIS
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you are a scam.it's funny how you post these things,but i bet you don't do any of this over the phone.i have seen propaganda posts like yours on more threads can i care to remember.btw i have looked up your bottomfeeder,and all i see are complaints on this and other sites.so please quit trying to act like you don't work for a scam.another btw i have never had the pleasure of dealing with your bottomfeeder,but i know i will never pay anybody over the phone without details,and i have lived at the same address for 35yrs.so if by chance i was called by your scam.that excuse wouldn't hold water.again so many pages contradicting you says it all to me.

all i keep hearing is "oh you a scam, oh you bottomfeeder" im not the one in collections don't get mad at me for DOING my job because you wouldn't be receiving calls if you paid what you owe. point blank you go on and on telling me what i do and don't and how many of you have worked one WEEK in collections... i'm sure not many if any at all so before you go on with your frivilious ramblings know what your talking about before you open ya mouth. p.s u might want to stop taking what you HEAR from those people complaining because most are the SAME people that aren't paying their bills and have over 10k in collections. so go ask them what they're so mad about?

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its funny you are here correcting my spelling when yours isn't that of a spelling bee champ. and as i stated earlier its either you can pay or you can't and if you can the question is HOW CAN I HELP YOU RESOLVE THIS according to your income and company guidelines... pay attention before you speak.... life happens and i listen and work with people ALL the time what ever circumstances they may have .... at the end of the day this isn't going to go away or get any better unless its taken care of...

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first source removed from my acct 1034.00 without my consent then told me it would take 90 days to put back

716-564-4905 this is a number used to contact a relitive of mine

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I was contacted by Firstsource and I was told to go to fsapay.com to set up a payment plan. Why won't that website come up so you can set up the payment plan? Please email me back at **************
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Email address removed, per site ToS. - Uncle Wulf

Are you absolutely certain that this is really your debt? That they haven't inflated the amount?? That it's not past the statute of limitations???...

Paying a collection agency based only on a demand is borrowing trouble. You have a right to see validation of any debt a collector claims you owe. I'd suggest that you exercise that right.

you know what... i didn't pay attention to what this site was "debt consolidation" ha now i see the bias people get ****** on the regular from debt consolidation. the same people who are suppose to be taking care of your accounts are the same ones that cant do **** unless the account is closed and charged off. and you spend more paying someone to help you then just getting a hardship plan and just paying it off your self the same things they do are the same things we do. hmm continue wasting your time and money these are people you pay to help you or you pay them to **** you over. one of my clients i called has been with a debt consolidation since 04 and paying them montly balance was at 504 when she was with them it came into my office at over 1500 because they were paying 23 a month since 04 and the minimum for the card was 50 and she racked up tons of late fees until it was charged off and they told her it was "her responsibility to monitor her account" everyone here goes on and on about FSA or collectors ...how bout you work as collectors for a week educate yourself on the guidelines and procedure before you go on rambling. p.s if your going to go with a debt consolidation company make sure you know what the MINIMUM payments are for the accounts you consolidate and make sure they are being paid the minimum because then your just wasting time and money and nothings getting resolved

Profanity removed. Keep it clean, or become my new favorite project, OK? - Uncle Wulf

[QUOTE=Anonymous;650693]you know what... i didn't pay attention to what this site was "debt consolidation" ha now i see the bias people get ****** on the regular from debt consolidation. the same people who are suppose to be taking care of your accounts are the same ones that cant do **** unless the account is closed and charged off.[/QUOTE]

You might wanna take this particular rant over to the consolidation board. There's folks over there who'd be happy to tear you up for your lack of knowledge, insight, common sense, and basic courtesy. We're all about dealing with unethical, uneducated collectors, here. Perhaps if you'd taken the time to read the board title...


[QUOTE=Anonymous;650693]and you spend more paying someone to help you then just getting a hardship plan and just paying it off your self the same things they do are the same things we do. hmm continue wasting your time and money these are people you pay to help you or you pay them to **** you over.[/QUOTE]

There are some valid reasons why some folks may opt not to get on a hardship plan with their OC. Or not qualify for one, or not be offered one, or not know that one exists. Or why they might not be able to continue with such a plan, once on it. Job loss springs immediately to mind, with the economy the way it it.


[QUOTE=Anonymous;650693]one of my clients i called has been with a debt consolidation since 04 and paying them montly balance was at 504 when she was with them it came into my office at over 1500 because they were paying 23 a month since 04 and the minimum for the card was 50 and she racked up tons of late fees until it was charged off and they told her it was "her responsibility to monitor her account"[/QUOTE]

You're a debt collector, right? Then perhaps you were asleep that day in training when they explained to you that the debtor is not your client. Your clients, the folks you have to keep happy, are the companies who own the accounts placed with your company for collection. Don't be disingenuous.

As to how that balance actually tripled, we'll likely never know. At least not without seeing the case documents. It could have been a corrupt or incompetent consolidation/settlement agency. There are some of those. Or maybe it was fees added on by your company, perhaps illegal interest and penalties? Or any of a half dozen likely scenarios. Without reliable details, your assertion lacks merit.


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i told you L voice.now you have unclewulf on your case.you should have cut your losses.you look like a fool,and unclewulf proved it.here's to the fact that you will be sued one day.if you are any indicator of their collectors that will happn i guarantee it.

ok first of all, I work at first source so I know everything that goes on, I have worked at different agencies as well and I can tell you First Source is the only company that actually FOLLOWS the FDCPA (FTC.Gov -- look it up, read the laws)... anyways all of our calls are RECORDED..ALL OF THEM, so if any debtors try to sue for an FDCPA violation we have proof that we dont... ok post dated checks are not illegal in MA, it is illegal to solicit a post dated check in MA, we can take them just can't tell them that is their only option.. we cannot take money out of your account if you don't give us permission & we can't cash the check before the date you tell us. FDCPA states we send you a letter no more then 10 days and no less then 3 days before the date on the check. We are not "harassing" anyone, YOU borrowed money from a creditcard/loan company and they want it back...plain and simple. If you don't have money there are settlements..that are legit, payment plans ect. we work for the client, ex. capital one, targer, american express ect.. you owe them...not us. Now if you are in a pre-legal status meaning the client plans on taking legal action once it leaves our office, we don't buy debts, they come to us from the client we are given so much time to try to collect then if they arent collected its up to the client for what they are going to do. We don't "cuss you out" ... our calls are recorded and if it happened the person was fired. We are always recorded, and as for getting numbers that arent listed...duhhh we're collectors are have access to alot, and we are allowed to call your relatives and neighbors and friends, we just can't disclose anything to them...which we don't unless they pretend to be the debtor then they are breaking the law. How can you think we are doing something wrong, when the people the owe the debt are pretty much stealing? We understand you had hardtimes, but the point is you owe money! If someone borrowed money from you, wouldn't you want it back? If you don't want debt collectors calling you, pay your bills. If you hit hard times, ask for a settlement, ask for a payment plan. We can't take $5/month but we can help you out. The contract you sign with the creditor states that if you stop paying your bills you will pay the balance in full. We aren't out to scare you, we are out to get money that is owed, and if you can't pay it in full there are options which is more then I can say for some collection agencies. Settlements don't look as good as payment in full on your credit report but they look better then no payments. Again, because we call you, we are not harassing you. If you say you can't pay, collection efforts will continue, and if you say stop calling we will continue to call, we are not telemarketors we don't have a do not call list. We send letters when we get your account in our office, if you move then we obviously don't have your correct address so the letter gets sent to the wrong address. You can look on your credit report and see who has your debt if you really don't believe it. Now if you believe you don't owe the debt, you mail a letter of dispute and the client will look into it, if they feel there is no reason for dispute they will return it and collection efforts will continue. Do you people think, if a creditor gives you a $30,000 credit limit and you spend it then don't pay it, you think they are going to eat their losses? Of course not! They will take collection action, after that fails 9/10 times they will sue you. So that all being said, we will help you if you want time to pay or can't pay that amount, don't be mean and nasty we're not the bad guys... we are doing our job just like you guys do your jobs, pay your bills and you wont have to deal with it.

Debt Collector.

Debt consolidation companies are a JOKE. You are paying someone to pay your bills, you give them $500 and $200 of that will go to your debts, and the rest goes to their fees. They put your money into an escro account until you have enough in their to start paying one by one, you are better off talking with the collection agency yourself and getting onto a plan with them. Debt Consolidation will settle your account for 20% and charge your for 70%. They are scum and con artist they are NOT there to help you, they are there to put money in their pockets. FTC.Gov once again, look them up on that, AND it will give you a list of how many closed. They take your money then close down... they are not worth it, if you want to take care of your debts...do it yourself its not that hard, and collectors and not as mean as you think... we do have to follow the FDCPA. I was working pre-legal accounts and DMC's still wernt paying... you will get sued and the DMC's don't care as long as they are getting paid.

Debt Collector.

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I keep getting calls from this company as 'unavailable'. They will call 2 or 3 times in a row, and then finally leave a message the third time. I don't have any overdue accounts, so I don't even know what/who the debt is. ( If there really is a debt, it must be something pretty old.) It would be nice if they said who they are collecting for...make the message sound a little more legitimate. And, why haven't I got anything in the mail?