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Conn's department store


appletree
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My son bought some furniture from conn's about two years ago.  He fell behind in his payments a few months ago. He tried to work something out with them but they won't.  A friend of his made one payment for him and two months later they went in the account and took out another payment.  He called and was told they automatically withdraw from the account last used if you get behind.  He was on the phone for over an hour before getting his friends information removed.  The charges were not reversed and he paid his friend for it. 

 

He is now recieving calls non stop from the collection department, two recovery agencies and now some guy with an unknown number calls and says he's with mcm collecting for conn's.  I should mention I am the one who gets the phone calls.  He had put my cell number as a reference number and they were calling me 5 to 12 a day on it, plus the house line.  The last time they called my cell I told them I was tired of hearing messages from Dawn about another person's account being behind and was well aware it was illegal to leave messages with details like that on another person't phone, and to stop calling my cell because it's my business number.  They hung up and prank called a few times in a row and stopped.  They call the house every hour.

 

How can 4 different business's be collecting for the same account???  Today, they called and I didn't pick up.  My answering machine broke a while back and it rang for 2 1/2 minutes. I sat here at my desk and watched the clock.  I work from home.  Not less than 15 seconds later they called back. I answered, they asked for my son, I said he wasn't here, he's not. I asked for an address and she would not give me one.  Said unless I answered her questions she can't give me an address and they can't stop calling unless I answer questions.  I told her to stop calling and tieing up my line, I work at home and if they want to speak to him they need to call his number.  I'm tired of being harassed. They don't call his number.  I can prove that because his phone is on my plan and I can see every call. 

 

The new guy calling saying he's with mcm has called my cell and land line.  I answered the first time because it was a local number with no name and thought it was a new client calling.  He said he's with  conn's. I told him he was calling a business line, he asked if I knew the person he was looking for, I said I'm at work and hung up.  Then he started calling the house.  He has been calling a family friend we found out for about week saying he's with mcm.  I was at this person's house today and they handed me the phone when the call came in. I said he didn't live there and to stop calling.  The person he is bothering at that number is an elderly man who had a stroke recently and doesn't understand what the calls are about. 

 

I have no idea what mcm stands for or how other agencies could be collecting while their collection department is still calling.  Can I send a cease and desist letter to get them to stop calling even though they aren't looking for me?  He does live here but is only here a little in the evening. His finances were ruined with mine due to some medical issues of family earlier this year.  I'm going to see about getting my landline changed because we can't really use the phone.  I'm very worried about how these other companies got his info.  One is a repo company and wanted his ssn!  Can they repo what he got? It's just a couch and bed.  About two years old and honestly the couch is very chewed up from my dogs. 

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Send this to the Original Creditor, call them and ask for their mailing address. I systematically do it every  time I get a new contract and enjoy a ting free phone:

 

 

 

 

Name of Business

Address

Acc#xx

 

Your name

address

 

To whom it may concern:

 

I herby notify you that I remove any consent I might have give you to receive calls and messages, including autodialed and prerecorded message calls, from xx, their affiliates, marketing partners, agents and others calling at their request or on your/their behalf, at any telephone number that I have provided or may provide in the future (including any cellular telephone number).

 

I do still give my consent for Barclay Bank, to call me with a live person, at my home phone number xxx, or any other phone number that I provide in written at a future time.

 

I also opt out of the arbitration provision.

 

Sincerely Yours,

Me

 

 

In your case you'll need to specify that those phones numbers do not belong to xx, and that you as owner of those phone numbers inform them bla bla bla. Now if your son does it is better. Get a recorder and start recording the harassment, also send all letters cmrr, certified mail, return receipt.

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Guess I'll do this.  Any ideas on why Conn's is having collection and recovery agencies call when they are still trying to collect themselves?  I'm going to see if he can pull his credit report. I'm worried about multiple listings for the same account. 

 

Off topic, I'm so glad I looked around here today.  I was unaware the credit bureaus were supposed to share how they verify information when you dispute.  I disputed something recently and was notified the account number matched the orginal creditor and nothing else.  I'll be looking at the credit repair section closely over the next few days for more tips!

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Guess I'll do this.  Any ideas on why Conn's is having collection and recovery agencies call when they are still trying to collect themselves?  

@appletree - Some companies have in house collections departments, and they may still have their own customer service reps call at the same time as their in-house collectors.  They were awfully quick on the draw to get MCM involved, I must say.   

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Nope, that's how they handle lates. They probably got a high rate of defaults and that's why they get those collections. It is very unlikely that a consumer that falls behind 3 or more payments will pick up. Maybe if he got some cash go with the OC and try to settle. Not sure about your state, but in Florida they have to give you when they call their first real name and last name (no nicks, also it will be hard to tell if it's true), the company their calling and by TCPA they got to provide a call back number, so ask for all that when they call again and their mailing address, when you got their address write sort of the same to an collection agency, and add the wording, "I also cease and desist you as per the Fai Debt Collection Practices Act". Most consumer laws don't trigger unless the consumer does it in written, so its pretty much worthless that you tell them to stop over the phone.

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The caller id doesn't say mcm.  It shows up unknown number.  The guy says he's from mcm.  I looked it up on mycallbot and there is no info or other reported calls.  That's really strange for a collection agency.  It has the same area code as us, conn's and the recovery places don't.  Something isn't right with all these different numbers.

The other two companies calling had names, they were both auto recovery places and I looked them up.  I never saw anything about about repos for other business though.  Both of those places told him they were calling about his conn's account.  I'm wondering if the people in their collections dept are having friends make calls.  The first recovery place wanted his social. 

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Nope, that's how they handle lates. They probably got a high rate of defaults and that's why they get those collections. It is very unlikely that a consumer that falls behind 3 or more payments will pick up. Maybe if he got some cash go with the OC and try to settle. Not sure about your state, but in Florida they have to give you when they call their first real name and last name (no nicks, also it will be hard to tell if it's true), the company their calling and by TCPA they got to provide a call back number, so ask for all that when they call again and their mailing address, when you got their address write sort of the same to an collection agency, and add the wording, "I also cease and desist you as per the Fai Debt Collection Practices Act". Most consumer laws don't trigger unless the consumer does it in written, so its pretty much worthless that you tell them to stop over the phone.

They will not settle or take partial payments. He tried that in the beginning when all this started.  That's when they went in and charged his friends card without permission because he had make a payment  for him.  I will never use any card of mine to make a payment for anyone again, I'm scared that would happen to me.  He owes less than $1000.  It's 6:30 now and I'm sure they will call 3 or 4 more times before 9, they always do. 

 

Their in-house collection department is who calls from Conn's.  Plus the other outside agencies.  Like I said before. I don't see how 3 outside agencies can be trying to collect at the same time. 

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Don't give any info over the phone, to them or no one. When they call they are the ones interested in talking with you, so just tell them who you are that's it, if they ask for anything else I always tell them I do not provide personal info over the phone, serious companies will talk to you regardless, I do get some real phone calls, last one was from ebay (I sell there), a CS rep, call and ask me how ebay was doing what they could improve, etc, she just asked for my name, no account address or nothing. Same with Barclay they call me like a month ago the CS rep ask for my name, no other info., and we went through a dispute with a merchant. Anwyays you do not need to provide anyone an info over the phone other than "yes it's me Joe Doe", they call your number so the should know who you are, not the other way round.

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Yes. Document the harassment and you may have a FDCPA violation of 1692d(5) for which they can be sued. www.naca.net for a list of consumer lawyers. And I think TN Consumer Lawyer (who sometimes posts here) takes cases either in the federal western or eastern district of TX.

Also www.jarzombeklaw.com One of the top consumer lawyers in TX.

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I will type  up a letter today to send off.  I had a call on my business phone and landline today before 9am.  They left a message on my business phone for him, they know it's my business line and leave messages directly to him.  The sad thing is he was willing to try to send off smaller payments but they won't accept them.  They said the payments can only be made in store or over the phone for the full amount.  I'll keep my cell close today and if they call the landline when I'm here I'll answer and put them on speaker phone and record with my cell.  I feel like I'm being stalked!

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I am still trying to get info on the local number that calls saying he is with mcm.  I'm not finding a way this number is related to mcm at all.  I found a few complaints about hang up calls and nothing else.  He has an accent and does not sound like a typical collector.  Makes me wonder who they give info to! Years ago I had some scammer from Houston calling and threatening me with arrest, violence, called me every name in the book. They knew my social and dl.  It was horrible.  Changed my number 3x!  I didn't owe any debt and took less than a minute to see they were scammers.  I'm wondering if something like this is going.  Maybe someone at Conn's is giving out personal info on collection accounts trying to make money on the side with scams.  I can't think of any other reason 4 companies would claim to own this debt.  The other 3 have not sent any mail, I'm the one who checks the mail every day so I would see it.  I'm really starting to think there may some kind of identiy fraud going on or something illegal related to the situation. 

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I worked for a company who did payday loans.  It's very common for employees to do fake loans in old customer names, sell info to friends with intent to commit fraud.  Most people have no idea what really goes on.  I had customers come in and let me listen on the collections call from our in-house department.  I gave all them the ceo's contact info.  I'm so paranoid because I've seen it happen.  It's no fun to get a memo saying if anyone from the news shows up to lock the door.  lol.  It's usually the district managers who organize the fraud.  Sooner or later they get caught. 

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I am still trying to get info on the local number that calls saying he is with mcm.  I'm not finding a way this number is related to mcm at all.  I found a few complaints about hang up calls and nothing else.  He has an accent and does not sound like a typical collector.  Makes me wonder who they give info to! Years ago I had some scammer from Houston calling and threatening me with arrest, violence, called me every name in the book. They knew my social and dl.  It was horrible.  Changed my number 3x!  I didn't owe any debt and took less than a minute to see they were scammers.  I'm wondering if something like this is going.  Maybe someone at Conn's is giving out personal info on collection accounts trying to make money on the side with scams.  I can't think of any other reason 4 companies would claim to own this debt.  The other 3 have not sent any mail, I'm the one who checks the mail every day so I would see it.  I'm really starting to think there may some kind of identiy fraud going on or something illegal related to the situation. 

 

There are a LOT of scams going around.  All they need is a little info, and enough is actually available online to scam just about everyone.  Tell the caller "I already know this is a scam ... let's talk about something else, like the many ways you abuse your children ... while my recorder is on."

 

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If they are calling your cell, and you have an android, there is a free app that does not charge for recording your calls. It is called record my call. Send your letter off, and if they violate, you have proof. Find out if you are a one party or 2 party state. If your a 2 party, you need to inform them you are recording the call.

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If they are calling your cell, and you have an android, there is a free app that does not charge for recording your calls. It is called record my call. Send your letter off, and if they violate, you have proof. Find out if you are a one party or 2 party state. If your a 2 party, you need to inform them you are recording the call.

 

Texas is not in the two-party list here:

http://en.wikipedia.org/wiki/Telephone_recording_laws#All-party_notification_states

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I will check out the app for the phone.  I can record in Texas.  Today was oddly quiet.  Only 4 calls. They must all have the flu.  lol. I was telling a friend of mine about all this and she said there is a collector calling her over a car that was repo'd over 15 years ago.  These scumbags just look for stuff on people. 

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First of all your sons friend has a claim against Conns for with drawing from his account with out his permission, it does not matter that your son reimbursed him. That is an unauthorized with drawl regardless of their company policies. Just because it is their policy does not make it legal.

 

Now as far as the calls go they are violating the TCPA and can be liable for 500 bucks per call or treble damages of 1500 per call in you prove negligent and willful disregard. You will have to prove that you in no way authorized your son to put your number as a contact on the application.

 

The phone calls also meet the definition of harassment under the FDCPA. If you can prove,as you say, with the phone records I see why no court would find that a call every hour or even more than once per day constitutes harassment. I would also file harassment under your state laws if you have any appropriate states laws that fit. A Google search should reveal this.

 

You should also send the collection agency and Conns a letter stating that you revoke any consent they think they may have to call your numbers.

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First of all your sons friend has a claim against Conns for with drawing from his account with out his permission, it does not matter that your son reimbursed him. That is an unauthorized with drawl regardless of their company policies. Just because it is their policy does not make it legal.

I think he gave his permission. 

 

Now as far as the calls go they are violating the TCPA and can be liable for 500 bucks per call or treble damages of 1500 per call in you prove negligent and willful disregard. You will have to prove that you in no way authorized your son to put your number as a contact on the application.

Under what provision?

 

You should also send the collection agency and Conns a letter stating that you revoke any consent they think they may have to call your numbers.

 

How does one go about doing this? @BTO429

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The friend gave permission the first time.  The second time they charged his card because the next payment was late.  We didn't even know for over a month. The man was in the hospital and a family member was taking care of his bills, noticed it on the statement and filed a dispute without asking anyone about it.  Our friend didn't know until he got a statement asking if he wanted to take action, he called my son who then called Conn's to see what was going on.  It is their policy to charge the last card used if a payment is late.  We can't find it written down anywhere so it's probably hidden.  Direct tv does the same thing, I cancelled my service earlier this year and they charged my card without sending notice or a bill.  I was not on automatic draft and had two accounts I used to pay. They used the last one, I hardly ever put money it that account, and they took my last dime in the account.  There was nothing I could do.  I had to cancel my card and get a new one.  It's in the fine print on the updated policy on the website.  This is becoming common practice for most companies. 

 

My phone numbers were put down as reference only.  They only call my numbers and his friend. They have his number.  The other collection agencies have stopped calling.  I started asking all of them the same thing.  Why are so many agencies calling about the same account and telling me he owes?  Is this a scam?  How did you get my numbers?  They stopped.  I don't believe they had any right to call. I really think the people at Conn's probably know some of them and asked for a favor.   The "mcm" guy calling from what I believe is a cell, stopped. 

 

The calls seemed to have slowed down. 

 

The only people I have calling about my own debt is portfolio recovery and that's past the sol.  It drops off my credit soon. 

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