I am a real debt collector of more than 9yrs and I can tell you one thing - what they're doing is highly illegal per the Fair Debt Collections Practices Act. Check out the FDCPA via the internet. Also research your state laws that govern 3rd party collectors, if they are more strict they supersede the federal laws.. All complaints concerning this particular violator of the FDCPA should be directed to your states Attorney General's Office.
The collector also got so angry that he refused to transfer my husbands call to a supervisor and began cursing him out. He also left a highly illegal voice mail stating that my husbands Social Security Number was under investigation and that he would be in "trouble" if he didn't return the phone call immediately!
In my husbands situation alone, there were countless violations. The collector can be held liable for a thousand dollars per violation. You can also sue the represented company for the actions of the collector. EACH AND EVERY ONE OF US can pursue a claim against the COMPANY if anyone can actually IDENTIFY THE COMPANY THAT THIS MAN CLAIMS TO REPRESENT.
I am actively skip tracing this man and any information I discover, I will post it to this blog!
No collector with the right ethics would ever treat anyone the way that this man does. I would be completely mortified if I ever thought that I had treated a debtor in this manner!
RECORD ALL CONVERSATIONS WITH THIS MAN AND SAVE ALL VOICE MAILS, WE ALL HAVE IRONCLAD CASES AGAINST THIS COLLECTOR AND THE COMPANY HE REPRESENTS!
UPDATE!!!! Gotta chance to talk to the 'John McClain" die hard collector. Advised him of all violations of the FDCPA, requested business name and supervisor...his response was the company name=Financial Crime Businesses and refused a supervisor...'John McClain' became humbled throughout our conversation and finally hung up as I pointed out violation after violation..."'yipee kye ay mother f'er" Always remember one thing folks..it takes a debtor to be a good collector!!!
i have been getting these calls at home and at work saying that i am big trouble. "John Mccain or Mcclaine is basically harrassing me at home and at work. I tried to report them to the better business bureau but came up short meaning no information is found.My boss basically had to intervene today because of this nonsense.What else can I do?
I just got a messege on my mother inlaws phone from the same guy saying he is john mcclaine. he leaves a very nasty message that i am in big trouble if i dontcall him back. well i traced his phone number an found all these blogs against this man and i have never had a cash advance from this place. i too willbe looking into this matter as well as contacting an attorney to stop this guy.
Warn your friends and coworkers and report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.