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Gotta love bottom feeders

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Moderator Emeritus

Gotta love bottom feeders

     DW came to me because her mom called her and was upset.  A CA had called her and was abusive to her.  DW told her to talk to me because I know something about CAs.  I talked to her, she told me about the CA.  The guy called and said he needed a payment, she asked what for, he wouldn't tell her, just said he needed a payment on this account.  She said she doesn't know about the account, hasn't had credit in over 10 years.  She told him she was on social security, he said that they would take that, there was a new "Obama Law" passed and they can take their checks.

 

     She is 70 years old, completely disabled, on 24 hour oxygen and homebound.  She was so upset she couldn't breathe.  She has a total income of $548 a month and didn't know what she was going to do because they were going to take it.  I told her not to worry, I'd take care of it for her.  I pulled her CRs for her, nothing on there, no CAs, no nothing, just some old paid off accounts.

 

     I called the number the guy left, got his answering machine, left a message.  He called back about 10 minutes later.  Below is the conversation.

 

Me:  Yes, I need to take care of this account for my MIL.  Gave him her info.

 

Him:  Yes, we need to take care of this, It says she's on SS.

 

Me:  Yes, that's her only income.

 

Him:  Well, we were going to take that, so it's good you called.

 

Me:    You can't take her SS.

 

Him:  Oh, yes we can, have you heard of the new Obama Law?  We can take anything.

 

Me:   No, there is no Obama Law, you can't take anything.

 

Him:  I think I know more than you.

 

Me:   Bet  you don't!

 

Him:  I thought you were going to take care of this, now you're just being Mr. Slick.

 

Me:    I am taking care of this, what's your address?

 

Him:  Why?

 

Me:   So I can send you a "Cease and desist letter"

 

Him:  OH, well  it's 835 E.,,,  "Screaming at phone"...  Tell you what, you just look it up.

 

Me:    Ok

 

Him:   "Still screaming"  Tell you what, I'm getting in my car and driving home"  Slammed the phone down.

 

     I then looked them up, filed a FTC complaint, then filed a complaint with the State AG.  BBB won't do any good, they're not accredited.  Wrote a C&D letter.    But boy did I enjoy calling him, I haven't sent the letter yet, so I think I'll call him back a couple times tomorrow.  Just so I can have some fun.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 1 of 20
19 REPLIES
Valued Contributor

Re: Gotta love bottom feeders

You found the guy that feeds on the guys that feed on bottom feeders.

 

Amazingly unprofessional in what is supposed to be a professional setting.  Obama law?  Mr. Slick? Screaming, then telling you to look it up? Yikes.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
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Message 2 of 20
Regular Contributor

Re: Gotta love bottom feeders

Oh oh please call him back. My only request is that your provide us with the narration again.

Message 3 of 20
Established Contributor

Re: Gotta love bottom feeders

Please let us know. We all need to see the bottom feeder get his in the end. LOL

What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Message 4 of 20
Moderator Emeritus

Re: Gotta love bottom feeders

Oh I will, he messed with the wrong one this time.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 20
New Member

Re: Gotta love bottom feeders

I'll be waiting with my popcorn to see how this one turns out. It's so good to see the tables turned on some of these slimey collectors. 

Message 6 of 20
Frequent Contributor

Re: Gotta love bottom feeders

Most of the people operate these CA are the absolute scum of the earth.
NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Message 7 of 20
Established Contributor

Re: Gotta love bottom feeders

I cant wait to hear the rest of it when you call back.

Message 8 of 20
Senior Contributor

Re: Gotta love bottom feeders

Oh Please Call Him Back!  What Fun!!!!!!!

 

Message 9 of 20
Regular Contributor

Re: Gotta love bottom feeders

Go Shogun! 

 

Wooooot! 

 

Can't wait to hear part two Smiley Happy

 

 


Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Message 10 of 20