Credit Cards Center Credit cards from our partners
Reply
New Contributor
Posts: 64
Registered: ‎11-06-2008
0

Collection calls to family members

Hi all, so I just got a collection call for my sister and her husband on my home phone (which I don't use or give out to anyone but is listed).   They first asked for me, when I said yes, he said actually we are looking for a relative of yours..........She has been married for 4 years, and  I have only had this number for 5 months. 

 

Is this legal, an a collection agency do this?  If not what should we do about it?

 

Thanks

Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
0

Re: Collection calls to family members


jackig64 wrote:

Hi all, so I just got a collection call for my sister and her husband on my home phone (which I don't use or give out to anyone but is listed).   They first asked for me, when I said yes, he said actually we are looking for a relative of yours..........She has been married for 4 years, and  I have only had this number for 5 months. 

 

Is this legal, an a collection agency do this?  If not what should we do about it?

 

Thanks


Here is what FDCPA 804 has to say:

 

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location infor­mation about the consumer shall—

 

(1) identify himself, state that he is confirming or correct­ing location information concerning the consumer, and, only if expressly requested, identify his employer;

 

(2) not state that such consumer owes any debt;

 

(3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;

 

(4) not communicate by post card;

 

(5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi­cation relates to the collection of a debt; and

 

(6) after the debt collector knows the consumer is repre­sented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney’s name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector.

 

 

New Contributor
Posts: 64
Registered: ‎11-06-2008
0

Re: Collection calls to family members

Hmm well all he said was that he was looking for His or Her Last Name and asked if I was a realtive.  They also called my EX mother in law a few weeks ago, whch is equally odd as I never ever lived with her, although my ex husband has moved back home with her.   This just doesn't feel right to me.

Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
0

Re: Collection calls to family members


jackig64 wrote:

Hmm well all he said was that he was looking for His or Her Last Name and asked if I was a realtive.  They also called my EX mother in law a few weeks ago, whch is equally odd as I never ever lived with her, although my ex husband has moved back home with her.   This just doesn't feel right to me.



I'm certainly no fan of CA's and their tactics but it sounds like they are following the law in trying to find someone. But at the same time I know how annoying it is to field calls for someone else.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Super Contributor
Posts: 9,668
Registered: ‎01-28-2010
0

Re: Collection calls to family members

 

Many CAs will repeatedly call family members, bordering on harrassment in my opinion.

 

Unfortunately, there is nothing illegal about this, unless you explicitly have made it clear that your sister is not living there, and has not, and will not be living there.

 

You might ask your sister to send the CA a letter instructing them to only communicate with her via mail, and forbidding telephone calls.

 

 

 

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
Posts: 716
Registered: ‎08-26-2011
0

Re: Collection calls to family members

One time a CA googled my name, got my mom's number in a different state, and called her. I freaked out on the CA when I spoke to them. Another time they called my step mom - also in a different state. Fortunately I have not had a debt collector call me in a long time.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.