ScottC Posted April 28, 2005 Report Share Posted April 28, 2005 I've been dodging Chase for 120+ days on a $10,000 CC. Chase called a neighbor two doors down. A neighbor whom I have never met. She was told by Chase that I had put her down as a guarantor or co-signer on the card and that we (she/me) needed to work it out with them.Of course the lady calls me wanting to know WTF was going on and why I had put her down as a co-signer (which I obviously hadn't)Are they really allowed to make this stuff up? Link to comment Share on other sites More sharing options...
ms6073 Posted April 28, 2005 Report Share Posted April 28, 2005 Are they really allowed to make this stuff up?What do you think? Does that sound ethical to you? Take a moment and familiarize yourself with the material available at the following link: http://www.creditinfocenter.com/legal/FDCPA.shtml Link to comment Share on other sites More sharing options...
willingtocope Posted April 28, 2005 Report Share Posted April 28, 2005 Sorry...if it was Chase calling, then they are an Original Credit (OC) not really bound by the FDCPA. However, if it was a collector working for them under contract, or even indendently, then you've got them on a bunch of violations...But...if it was Chase, then perhaps a strongly worded letter to their executive offices informing them of the tactics their collectors are using might be in order. Technically, even a collector is allowed to call your neighbors ONCE looking for location information, but these guys have been a little over zealous. I'm not sure you've got any kind of course case against them, but it wouldn't hurt to let the execs know what's going on... Link to comment Share on other sites More sharing options...
jojo67 Posted April 28, 2005 Report Share Posted April 28, 2005 Sorry...if it was Chase calling, then they are an Original Credit (OC) not really bound by the FDCPA. However, if it was a collector working for them under contract, or even indendently, then you've got them on a bunch of violations...But...if it was Chase, then perhaps a strongly worded letter to their executive offices informing them of the tactics their collectors are using might be in order. Technically, even a collector is allowed to call your neighbors ONCE looking for location information, but these guys have been a little over zealous. I'm not sure you've got any kind of course case against them, but it wouldn't hurt to let the execs know what's going on...I think I'd follow tha that idea up with a complaint to the AG for your state and their's.... I've never even thought a card company would stoop that low. Not only did they try and make someone un-related to you responsable, but they disclosed the debt information to a 3rd party. I'm also thinking BBB, and FTC complaints would be in order on this one.... along with the letters to the execs.... this seems like utter crap to me. Link to comment Share on other sites More sharing options...
bellatragedia Posted April 28, 2005 Report Share Posted April 28, 2005 I'd bet it was a CA, but who knows? They will violate often and claim they are from the OC or make it sound like it without technically violating (if they are smarter).I had this happen when I moved from Oregon to Florida a long time ago, and they called this poor little old lady across the street and told her that they had "lost contact" with me and to please call immediately and to call "her" collect. They made it sound like it my long long family member trying to find me. The neighbor was so worried and freaked out. She was about 85 for christ's sake. I was living with my MIL at the time and she told me that it was just a debt collector and to NOT call them back. Luckily I listened to her (I was 19 and I just likely had my loan or First USA card go into collections). Link to comment Share on other sites More sharing options...
DocDon Posted April 28, 2005 Report Share Posted April 28, 2005 At 120+ days late, you know it's gotta be a CA skip tracing.There is no limit to how low these people will go. Also, Scott, unless you're looking to get sued, 'dodging' a creditor (especially one like Chase) is not a good idea. Is there nothing you can do to keep this from getting charged off? Link to comment Share on other sites More sharing options...
DocPC Posted April 28, 2005 Report Share Posted April 28, 2005 Chase's internal collections are total scum. I dealt with them right before DF's BK. They would call and talk to ME about this, call me names, and tell me to pay up or she was going to jail. Then told me I should go out side and wait for the Sheriff to pick me up because I was hindering their collection effort. The best shot was when the last guy I talked to called me a n*g*er, because they didn't pay their bills... I just laughed at the idiots. She would not let me/her sue them. Link to comment Share on other sites More sharing options...
chava2002 Posted April 30, 2005 Report Share Posted April 30, 2005 I had a collection agency do the same a year ago. They kept on calling until they finally got the hint that I wasn't going to pay them.If only I would have known about this website then. They would have paid a hefty price with all their violations. Too bad they no longer have my account. Link to comment Share on other sites More sharing options...
dpgirl Posted May 1, 2005 Report Share Posted May 1, 2005 Even if it was the OC, they may have violated state laws. You need to check your state laws. Link to comment Share on other sites More sharing options...
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