01-03-2013 07:32 PM
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?
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.
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.
01-03-2013 07:36 PM
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.
|Chase Freedom $9500|
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
|Lowe's CC $8500|
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
01-03-2013 07:44 PM
01-03-2013 07:45 PM
Oh I will, he messed with the wrong one this time.
01-04-2013 03:43 AM
01-04-2013 08:47 AM
Can't wait to hear part two
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.