topic Re: Interesting CA tactic.. in Rebuilding Your Credit

Interesting CA tactic..

rckstrscott — Fri, 30 Aug 2013 14:04:48 GMT

Hey all!

So; I have an interesting thing that just occured. Was wondering what the legality of it is..

As a rebuilder, I clearly have a few older zombie accounts floating around that I have either forgotten about or ignored when doing my rebuilding, fully understanding it could come back at anytime. Usually, I guage my finances at the time, and if I can I will pay.

Sooooooo this CA has been calling my phone, ACS.. They left a VM on my phone saying "We have an urgent message FOR Jennfier, Please call us at 866-xxx-xxxx to discuss your options, you still have time to handle this account" -- now, the person who had my cell number before me has had some collection and debt issue, so I often will call back the number just to ask them to remove my number, as I am not the person. However, that person was not named Jennifer. So; I felt a little suspicious, but I called anyway

So I call in, and ask to remove my number. They proceed to tell me that my number is tied to an acconut owned by me, and asked if I was me (by full name of course). I refused to respond and hung up.

This seems like blatant misrepresentation right? Did they violate anything? My suspicions are there is no Jennifer, they just said that thinking I would call in to tell them they have the wrong person and they would corner me.

Is this unethical but legal?

-scott

edited to correct syntax

Re: Interesting CA tactic..

Anonymous — Fri, 30 Aug 2013 14:01:40 GMT

Did they say the message was from Jennifer or for Jennifer?

Re: Interesting CA tactic..

rckstrscott — Fri, 30 Aug 2013 14:05:07 GMT

@Anonymous wrote:
Did they say the message was from Jennifer or for Jennifer?

FOR

sorry, I edited the text thanks for the headsup

-scott

Re: Interesting CA tactic..

Anonymous — Fri, 30 Aug 2013 14:41:11 GMT

You are getting VM for Jennifer and when you call the debt is all of a sudden yours?

Seems it could be a violation.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Re: Interesting CA tactic..

rckstrscott — Fri, 30 Aug 2013 14:50:01 GMT

@Anonymous wrote:
You are getting VM for Jennifer and when you call the debt is all of a sudden yours?

Seems it could be a violation.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

That is exactly what happened. Well, they didn't say that Jennifers debt was mine, I called to have my number removed from their database but they have an account on me...

I supppppppppose someone named Jennifer once had my cell, and owes money to a collection company that I also owe money to, but that seems like a big time stretch to me...

-scott

Re: Interesting CA tactic..

Anonymous — Fri, 30 Aug 2013 14:54:15 GMT

I guess it is possible but, yes, it seems to be too coincidental.