Collection Company of America: Are consumers complaining?

This is what I went through with collectcorp. Neither company, Collection Company of America nor collectcorp will accept responsibility for their fraudulent activity.

Call the credit company and ask who specifically keeps putting this on your credit file and dispute it.
In my case it was collectcorp. Its a long battle becuase the CCA just wants some spare cash, and theyre seing if youll just pay it so you can get on with your life.

Youll have to threaten to sue both companies and file complaints, its the only way theyll stop trying to ruin your life.

Write letters to head office of both comapnies (Collection Company of America and collectcorp)and dont be nice about it. They are commiting fraud and they are both aware of it from what I can see.

Let us know what happens.

How do you sue them of file a complaints. Please somebody help me in filing suit against Collection Company of America.

I'm not sure, but I think to sue the CCA you would have to file in federal court

Go to www.ftc.gov and download the ID Theft affadavit, file the police report and send that as well as proof of ID to all 3 CRA's. By law, any trade line, whether with an OC, CA or JDB, must be Permanatly Supressed as long as all steps are follwed. Once you have done this, send the IDT affadavit and the police report to the CA and inform them that this account is fraudulent and per federal law, therefore uncollectible. Any further attempts at collection from Collection Company of America will result in legal action for violations of fdcpa and FCRA applicable statutes.

Hi there
I'm going through a similar scenario with the Collection Company of America. I've given them a strict deadline to complete all matters by tomorrow. I'm considering getting the media involved. I'd like to compile stories to prevent this stuff from happening over and over again. Let me know if you're interested.
Sepi

Is anyone still having problems with Collection Company of America? An update on your current status would be nice...

Collection Company of America is a low life, scum sucking sack of carp. when you call they are rude and nasty.
i'm trying this;
1. write a dispute of validity ( federal law ), make copies
2. write the attorney general of Mass, make copies
3. write the attorney general of your state, make copies
send them out immeadiatly
save a back up copy to send the US attorney general, if the above don't work.
last resort will be suxie ormann and clark howard on the news
good luck

Also file with the BBB and ACA if Collection Company of America are members

Has anyone on here who had problems with Collection Company of America get anything resolved? I got a letter a week ago telling me i owe this outrageous amount on my AT&T bill

I worked for collect co or cca years ago...here's some honest stuff
1) if you have a debt...just pay it
2) if it's fraud then you have to make a case for fraud. and file things for that
3) if a phone was stolen then you MUST file a police report..
4) if you want them to stop calling you or contacting you then send a Cease and Desist letter at the Collection Company of America mailing address, then it will stop
You can ask for an itemized billing... if you have a cell phone then you have a contract. If someone stops paying a bill that can result in the penalty which is around $200-300

collection company of america sent me a letter/bill about a mobile phone with at&t, saying that owe a bill of $168.13, at&t mobility, client ref *** agency acct *** i want this matter taken care of asap, i do not have mobile service with at&t nor have i ever, my cell phone is through cricket, my name is samuel personal info removed - Jason , please take care of this in a timely fashion, i do not like to receive bills that i do not owe, thank you.

Saumel, we are not the collection agency, we are a forum to help people get out of debt. I'd suggest you send a Debt Validation letter to them Certified return Mail. You have 30 days to dispute the debt. Use the Collection Company of America address given in their letter.

CCA's employee job requirements are illiterate, uneducated, rude, imbecil, etc...If you've got those you are hired! Yay!

But seriously? These idiots violate Federal Law on daily basis and don't hide it. I wrote them a dispute letter faxed it with confirmation of course and what do I hear 30 days later? Oh we didn't receive your fax, our receptionist was out..Are you kidding me? Good thing I have confirmation that it went through, before I found out the truth about my letter not being received they told me a story how they submitted it to the vendor awaiting requested information and how AT&T was taking their sweet time...Right, sure enough I called AT&T and they had no record of my debt...funny! Well I filed a complaint against CCA with AT&T today with their corporate office. Mind you, they reported this BS to my credit after I sent them a letter stating that they are not allowed to do so since I'm disputing this debt...From what I understand they buy these accounts from vendors without any information for pennies on the dollar and then operating under some attorney's name threaten to ruin people's lives, well enough is enough.

Faxing information is never the way to go. Too many things can go wrong with it. Send your letter by certified mail. They can report the debt but it should say somewhere on your dredit report about the consumer disputing it. After sending the letter, you can also find out the Collection Company of America contact number and call them to inform that you???ve sent a dispute letter.

Collection companies are nothing but gangsters no one should deal with them. deal with the bank directly to get much better solution.

Well the biggest problem with that is if people could work with the original creditor, the account wouldn't have gone to collections in the first place.

"CCA's employee job requirements are illiterate, uneducated, rude, imbecil, etc" This is what a guy named Sash said bellow. but let me tell you something. Not the employee's are the one that curse or the ones that have no ideea of how to behave....i've learned in a few years of collection all possible insults that a man/woman can say, or know. Not the collectors place you in collection, believe me... you did... you did not paid the bills, you did not read and respect the terms and conditions of a contract.. it is not our fault... it is all yours... and if you ever think that it is not your fault read again your morgadge or cell phone contracts... and you will see for your self that every single explenation that a collector gave you it is true... My advice to you will be to READ any Peace of paper that you receive when you purchase a new car, morgadge, cell phone, or any thing that you will have to sign... READ them CAREFULLY and believe me you eill never end up in a collection depaprtment.

Katrina Stanford


[samebox:520e1d2b79="NASCAR_Devil"]My advice to you is use spell check and maybe a refresher course in grammar. Another Buffalo chip hits the prairie[/samebox:520e1d2b79]

Wow Kat. It must be very nice to never have any bad luck and always be able to pay your bills, especially in these tough times. Maybe you would be a better collector if you weren't looking to place blame. And, you can't spell.

Wow...complete BS deleted - ND I'd go back to school there skippy

I am having problems with these collectors as well. If you send any mail to anybody, make sure you send it certified mail. It's indisputable and dated by the U.S. Post Office. Now, I know to do that, but how do I get them off of my report? I was on the phone with one of THEM and I refused to say who I was because they refused to tell me who they were. I asked them if they were collections and she refused to tell me. She then asked for my name so I could verify some information. Yeah right. Let me tell you everything about me but you don't want to tell me who you are. Crazy. So she told me to call back when I was more cooperative and then hung up on me. Nice.

Got a check in the mail from these guys for fifty + dollars. No letter attached explaining what the check is about just a check. My gut tells me it must be some type of fraud. Have not cashed the check as the bank cashing the check would write my drivers lic and account # on the check. Has anyone been sent a blind check from these guys before?

Got a check in the mail from these guys for fifty + dollars. No letter attached explaining what the check is about just a check. My gut tells me it must be some type of fraud. Have not cashed the check as the bank cashing the check would write my drivers lic and account # on the check. Has anyone been sent a blind check from these guys before?

i was ending my verizon contract and my phone was over two years old and broken, but i had two more months on my contract so i paid for the last two months and cancelled. After two months I received a bill for $368 for equipment charges...and when I called Verizon one person said they saw where the mistake was and i asked if they wanted my broken phone back? she said no...next i recieved a bill from CCA for $386, and now it is up to $404...it keeps going up and i keep getting calls from them all the time. i told them i dont owe anything and i will not pay...they are ruining my credit. is this legal? Linda

do they have a contact website or something

Just a few things

"Now, I know to do that, but how do I get them off of my report?"
You have to contact the credit bureaus...equifax, transunion, experidan

"I was on the phone with one of THEM and I refused to say who I was because they refused to tell me who they were. I asked them if they were collections and she refused to tell me. She then asked for my name so I could verify some information. Yeah right. Let me tell you everything about me but you don't want to tell me who you are. Crazy."

Actually that's pretty much the law. What the law states (FDCPA) is that it is against the law to tell someone else that a debt is owed. Let's say collector calls Mary and Bill answers the line. The collector can't tell Bill they are a collection company or that Mary owes a bill. This is the privacy law. Adding into this if a collection company has "collection" in the name obviously disclosing that name would imply a debt is owed...and thus they don't have to say it.

"i was ending my verizon contract and my phone was over two years old and broken, but i had two more months on my contract so i paid for the last two months and cancelled."

Do you mean cancelled or fullfilled the contract? Those are two different terms and meanings.

If you said "canceled" to the phone company I'm sorry but that's a dumb move. Why? Because they probably put down you canceled the contract and thus have to pay a early termination fee (which is usually a few hundred dollars)

"After two months I received a bill for $368 for equipment charges...and when I called Verizon one person said they saw where the mistake was and i asked if they wanted my broken phone back? she said no...next i recieved a bill from CCA for $386, and now it is up to $404...it keeps going up and i keep getting calls from them all the time. i told them i dont owe anything and i will not pay...they are ruining my credit. is this legal? Linda"

It depends what the phone company said. If the phone company said you owe a bill chances are you do. But you can pay that $386 and just go direct to the phone company. If your contract was fulfilled and not renewed then this wouldn't be owed.

Enter Your Samebox Message:

Quote:

I just received a letter in the Mail from an EOS CCA for a debt to AT&T Mobility for $123.76 for an account that was closed over two years ago and paid in full at the time. This debt is fraudulent and how do I resolve this?

Do you have anything from AT&T that shows the account as paid in full? Sending the CA a copy of that would be the easiest way to resolve the matter.

I was deployed and AT&t was supposed to put a hold on my account insted thet sold it to CCA now its on my credit report is there any thing I can do nothing is working

CCA hasn't changed yet. I just had my credit report ran and they have a charge off on my account of $75. which hurt my credit score. This was done 9/2009, it says ATT, but I have all my services through ATT still today and I've heard nothing from them trying to collect anything from me. Another fradulent mark by CCA. These people belong in jail.

Quote:

Quote:

[Im interested they are on my credit report i called and called was transferred maybe 12 times nobody helped everybody was rude i waisted my only phone card that i will have for awhile on them im overseas that really sucked.

[QUOTE=Anonymous;417592]collection company of america sent me a letter/bill about a mobile phone with at&t, saying that owe a bill of $168.13, at&t mobility, client ref *** agency acct *** i want this matter taken care of asap, i do not have mobile service with at&t nor have i ever, my cell phone is through cricket, my name is samuel personal info removed - Jason , please take care of this in a timely fashion, i do not like to receive bills that i do not owe, thank you.[/QUOTE]
I received a collection on my credit report right at the time I was applying for a morgage; for an outstanding AT & T Mobility bill. I contacted AT&T because I do use them, and was told they did not show any outstanding bill since the time I started with them, nor did they report me to a colleciton agency. I paid the 105.00 to clear my credit, but did report this collection agency to the BBB, and filed a dispute on my credit ratings. Please report them to the BBB, so that they will be investigated!

I just called CCA today to pay a debt that showed up on my credit report and they were pretty friendly and helpful, even supplied with me with the account numbers of the old AT&T account that I did owe. Paid it in full and they were polite the whole time. no complaints

Dolen, I am glad you had a pleasant experience -- but I'll BET a CCA was polite, when you were giving them exactly what they wanted!

poster #37 works for them, thats why they posted that "feel good" BS

contact me, I am not an [EMAIL="atty...mpdenterprises2010@yahoo.com"]atty...mpdenterprises2010@yahoo.com[/EMAIL]

I sue them all the time...

[EMAIL="mpdenterprises2010@yahoo.com"]mpdenterprises2010@yahoo.com[/EMAIL]

Judge Wapner's admonition: Don't take the law into your own hands, take them to court. That is what I am doing. If the slightest thing is wrong with the informaiton on your credit report, the courts says the FCRA has been violated and you are entitled to damages under both Federal and State laws. You can sue CCA under the "furnishers' provisions of the FCRA and the Credit Reporting Agencies under the "reporting agencies" provisions of the FCRA. This is sweet vengeance. The COO for TransUnion called me and lied to me. Now I am suing his butt. He is not happy. He was unaware I had already filed a lawsuit. He stepped right into it!

Here are the two cases that discusses how to sue CCA and the CRAs:
"In Dennis, we did not define what constitutes an inaccurate report. Later, in [URL="http://scholar.google.com/scholar_case?case=2368293623148577996&hl=en&as_sdt=2,48&as_vis=1"]Gorman[/URL], we explained that an item on a credit report can be "incomplete or inaccurate" within the meaning of the FCRA's furnisher investigation provision, 15 U.S.C. ? 1681s-2(b)(1)(D),[URL="http://scholar.google.com/scholar_case?case=16592934339328652637&hl=en&as_sdt=2&as_vis=1&oi=scholarr#[10]"][COLOR=#0000cc][10][/COLOR][/URL] "because it is patently incorrect, or because it is misleading in such a way and to such an extent that it can be expected to adversely affect credit decisions." [URL="http://scholar.google.com/scholar_case?case=2368293623148577996&hl=en&as_sdt=2,48&as_vis=1"]584 F.3d at 1163[/URL] (internal quotation marks omitted). The California Court of Appeal has expounded a very similar concept of inaccuracy in the context of FCRA and CCRAA provisions requiring that credit reporting agencies adopt procedures to assure the "maximum possible accuracy" of credit reports. See 15 U.S.C. ? 1681e(b); Cal. Civ.Code ? 1785.14(b). For example, in [URL="http://scholar.google.com/scholar_case?case=8181253824878227249&hl=en&as_sdt=2,48&as_vis=1"]Cisneros v. U.D. Registry, Inc., 39 Cal.App.4th 548, 46 Cal.Rptr.2d 233 (1995),[/URL] the court concluded that "a report violates the[se] statutes when it is misleading or incomplete, even if it is technically accurate." Id. at 254."

Carvalho v. Equifax Information Services, LLC, 615 F. 3d 1217 - Court of Appeals, 9th Circuit 2010, http://scholar.google.com/scholar_case?case=16592934339328652637&hl=en&as_sdt=2&as_vis=1&oi=scholarr

Cisneros v. UD Registry, Inc., 39 Cal. App. 4th 548 - Cal: Court of Appeals, 2nd Appellate Dist., 4th Div. 1995: http://scholar.google.com/scholar_case?case=8181253824878227249&hl=en&as_sdt=2,48&as_vis=1

Any questions:
[SIZE=5][/SIZE]