I did not see any number come up associated with the call. I only got 'Houston, TX.' and they have been calling me non stop. When I try to discuss this matter with them, they go far off track. They called me several weeks ago and legitimately my son was missing. I filed police reports, the whole nine yards. He was missing in a custody type case for 2 weeks. That is my personal issue to deal with and none of anyone's business. I told the woman point blank that day that quite frankly I was tired of talking to her since she wasn't listening and that my son was missing and I was too distraught to even deal with her and hung up. She calls back today and my son is no longer missing. That issue was resolved but I tried again to explain the situation to her and why I feel this debt is not owed. She then goes on to question me as a parent, to say I lied about my son being missing, to say I am making excuses to not pay my debt and so forth.
I called and spoke to Mr Greg Williams. I told him they shouldn't call here anymore, I notified him I would be sending a cease and desist letter and told him I would not tolerate his employees talking to me that way. Basically I was told by Mr. Williams that his employees will continue to call and have a right to talk to me any way they choose because they are attempting to collect a debt.
I have experienced all of the above scenarios. The phone calls and the letters are all threatening and rude. I have spoken to Chris Smith, David Hunter and Carlos Garcia. They will not allow you to speak to a supervisor nor can you have a calm or civil conversation. All they will say is, "Are you calling to make a payment?" Over and over again.
I am now only cooresponding via letter and fax. Do not believe ANYTHING they say to you or include in a letter or leave in a voicemail. They lie. Know your rights. Their interactions with me have already violated both the Fair Debt Collections Practices Act of 1977 as well as the privacy rights as detailed in HIPPA.
Do not assume that the debt is valid. In my case it is not. Ask in writing for the details of the debt including the original debtor, dates of service and any other pertinent information. By law, they must provide this information. Contact the original debtor to determine if the debt is valid and can you pay them.
This company employs bottom feeders who make a percentage of what they collect. They will do anything to get you to make a payment.
I have also experienced the same thing by Chris Smith. When I did talk to him I was being very polite and courteous, but I guess being polite and courteous isn't something he is use to. At the time I wasn't working and trying to take care of my family the best way I could. When he asked I told him I wasn't working, then he stated "If your not working then how you pay your phone bill," I told him that I was still staying with my mom and this isn't my phone, then he replied "Well why don't you get your mom to pay the bill for you," I was very agitated by that comment. Another incident I experienced with him, I was still being polite. I told him once again that I wasn't working and as soon as I get the money I was going to pay them. Then he asked me was I disable. So at that time I was very agitated so I told him that I was. Then he asked do I receive SSI OR SS so I told him that I don't and then he said VERY RUDELY AND DISRECTFULLY I thought you said that you was disabled and etc... So I hung up on him!!!!!The way I see it is that if he don't like his job then he shouldn't be there and to quit harassing me and my family.
Can you provide specifics as to collection efforts on debt you don't owe? Did they pull credit report on you? Did they report to credit agencies that you had collections on debt you didn't owe? Can you provide names and dates? A similar matter has happened and I want to know if the company has a history of these types of issues. Thanks
After interviewing with this company and after working a legitimate collections position, I have come to the conclusion that the collectors are indeed bottom feeders. My interview consisted of a 25 minute conversation, and then a short series of emails asking me when I could start. The hours for this company are from 730 - 600, Central, Monday through Friday (consistent with FDCPA of 1977 for call times). All of the collectors are receive a salary plus a small commission of what they collect. That's fine. That's called incentive.
What I have a problem with from what I have observed is the actual collection practices that are employed. None of the collectors use their real last names (which I can understand -- if you were collecting on a debt with someone who had a decent bit of technological savvy, would you want anyone to have your real last name? nope, me neither.). What I have an philosophical issue with is the incredibly berating manner in which all collectors deal with their clients:
- Hanging up on the debtors is a regular occurrence.
- One collector in particular, going by the name of Adam Hall (not his real name), will say things like "Good luck with getting your finances in order." and "Good luck getting this off of your credit score for the next 7 years." He is the worst kind.
- No one that I've observed in my visit to the office indicated that any of the information that they were obtaining was for debt collection purposes.
- The PO Box is valid but corressepondence go through yet ANOTHER party. Sending anything but a payment (which is frowned upon by this company) to the PO Box that's been listed here will get you nowhere.
I'd beware if this company ever calls you regarding a debt; don't assume that it's valid unless it's a non-medical related account. More often than not, there is an error in the reporting... The accounts from vets' offices, lawn care companies, and so (from what I have gathered) seemed to be very accurate, but the rest of them are usually WAY off base.
The collectors though, are the WORST. No ethics whatsoever and are informed that they should be "money motivated".
Creditors, beware. Working with Capital Accounts is only going to [***] your debtors. Look out.
We hired them and they are rude alright! May not be working with them again! They apparently record client calls too! And very pushy, we are the clients in this case. It's very sad to read these stories!