Card Services
BOA - Collections
Calling our BUSINESS Phone after sending FOUR cease & desist letters for harassment!! Guess they'll be hearing from the State Attorney's office.
Card Services
BofA - collection
All collection agencies are licensed and regulated through the each states department of corporations.
Called my business phone after several times they were told that not to call me. Documenting all incidences and will be filing lawsuit soon.
I've gotten this one. The FDCPA does not apply since it is not a third party , if it's Bank of America. That law does not apply to the original creditor.
All is not lost because at least you can refer to this quote from the FTC when writing to them.
"COMPLAINTS ABOUT CREDITORS’ IN-HOUSE COLLECTORS: The Commission also
received 21,425 complaints in 2006 about creditors that were collecting their own debts, compared with 23,633 complaints received in 2005.19 Because creditors are not generally covered by the FDCPA, some in-house collectors use no-holds-barred collection tactics in their dealings with consumers. Although creditors’ unfair or deceptive practices are not
covered by the FDCPA, they are prohibited under Section 5 of the FTC Act.
Accordingly, the FTC has sued creditors and other entities engaging in illegal collection practices under Section 5, and will continue to do so in the future as appropriate cases present themselves."
calling looking for someone else..
I called the actuall number, the lady was very accomodating even thought she couldn't help..;
then called back the - please call us at... ## and it is a creditor.. "card services"
I was upset... and the customer service rep gave attitude back
"we will do out best to remove your number" *click*
If Bank of America is contacting you because you owe them money, you should talk with them. There are many different things Account Managers can do to alleviate the debt. If your account falls 180 days delinquent BOFA collectors will offer you good settlements, usually 35 cents on the dollar. I know, I am one of them.