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Old 03-12-2009, 09:02 AM   #1
 
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Default How do I report a debt collector?

I just got a phone call (7:48 am) from a debt collector. Not for me, the woman kept talking after I answered until I *yelled* to get her to stop talking and listen to me telling her the wrong number. She asked me if I had the number for someone I don't know, after I told her she had the wrong number, too. Hopefully they won't call again.


As far as I know, calling at 7:48 am is illegal/unfair practices. Anyone know how I can report this company? If I had a debt they were calling about I'd probably be less pissed than the fact they were calling a wrong number...
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Old 03-12-2009, 09:06 AM   #2
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Better Business Bureau?

I get calls for a guy with my last name and first initial. I keep telling them I don't know him, he doesn't live here, and I have no relatives by that name. But they keep calling. He has a heckuva lot of debts, I guess.
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Old 03-12-2009, 09:17 AM   #3
 
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Attorney general. You should find info on your state's webpage.
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Old 03-12-2009, 09:31 AM   #4
 
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I just got a phone call (7:48 am) from a debt collector. Not for me, the woman kept talking after I answered until I *yelled* to get her to stop talking and listen to me telling her the wrong number. She asked me if I had the number for someone I don't know, after I told her she had the wrong number, too. Hopefully they won't call again.


As far as I know, calling at 7:48 am is illegal/unfair practices. Anyone know how I can report this company? If I had a debt they were calling about I'd probably be less pissed than the fact they were calling a wrong number...
Next time they call, if they do, request to speak to their supervisor. Tell them you aren't that person and to delete your number from any connection to that account. I'd also let the BBB know.
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Old 03-12-2009, 09:38 AM   #5
 
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Attorney general. You should find info on your state's webpage.
I work for a department in state government that contains the Bureau of Consumer Credit Protection, and part of their mission is regulating debt collectors--including when they can & can't call. Most states have similar agencies in addition to the AG's office. You should be able to find that info on your state's webpage also, but if you don't, feel free to PM me. We have contact info for all 50 states, and I'd be happy to help.
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Old 03-12-2009, 10:15 AM   #6
 
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Not to be a downer, but debt collectors are notorious for their (inappropriate) tactics, as I'm sure you know. I don't see them changing much. I'm sure the person's supe already knows.
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Old 03-12-2009, 10:17 AM   #7
 
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Not to be a downer, but debt collectors are notorious for their (inappropriate) tactics, as I'm sure you know. I don't see them changing much. I'm sure the person's supe already knows.
You're right. Asking for their supervisor will do nothing. They're all cut from the same cloth.

But reporting them to the A.G. will help. They've been really cracking down on debt collectors.
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Old 03-12-2009, 11:03 AM   #8
 
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Not to be a downer, but debt collectors are notorious for their (inappropriate) tactics, as I'm sure you know. I don't see them changing much. I'm sure the person's supe already knows.
You're right. Asking for their supervisor will do nothing. They're all cut from the same cloth.

But reporting them to the A.G. will help. They've been really cracking down on debt collectors.
Which cloth would that be?

As with any profession, there are good ones and bad ones.
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Old 03-12-2009, 11:06 AM   #9
 
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Not to be a downer, but debt collectors are notorious for their (inappropriate) tactics, as I'm sure you know. I don't see them changing much. I'm sure the person's supe already knows.
You're right. Asking for their supervisor will do nothing. They're all cut from the same cloth.

But reporting them to the A.G. will help. They've been really cracking down on debt collectors.
Which cloth would that be?

As with any profession, there are good ones and bad ones.
The cloth that says harass, get the money, demand it, call at dinner, call before breakfast, call them at work again and again until finally the A.G. steps in and tells them not to.

I'm not making a judgment about them personally. If you have debt collector doing any of the above things, it's company policy.
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Old 03-12-2009, 11:14 AM   #10
 
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As with any profession, there are good ones and bad ones.
Yeah, their widespread bad reputation is fictional, completely made up.

They're just like doctors. Or librarians.
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Old 03-12-2009, 11:30 AM   #11
 
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As with any profession, there are good ones and bad ones.
Yeah, their widespread bad reputation is fictional, completely made up.

They're just like doctors. Or librarians.
Cue the posts that people who don't like debt collectors don't like them because they have debts, and if you don't want to be bothered by debt collecters, DON'T BE IN DEBT - TAKE RESPONSIBILITY FOR YOURSELF!

(and I know Net isn't actually in debt... I'm talking in general)
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Old 03-12-2009, 11:37 AM   #12
 
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Report any problems you have with a debt collector

to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov).

Many states have their own debt collection laws that
are different from the federal Fair Debt Collection
Practices Act. Your Attorney General’s office can help
you determine your rights under your state’s law.


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Old 03-12-2009, 11:46 AM   #13
 
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We received our land line number in October, and I am still receiving calls from debt collectors for the previous person who had this number. I told one person to stop calling as "Mrs Smith did not live here, this was not her number" and she told me she would not stop calling until "I could prove I was not Mrs Smith, I did not know who or where she was".

I was able to *69 the number and reported her to the FTC.

Last edited by ruralcurls; 03-12-2009 at 11:47 AM. Reason: nm
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Old 03-12-2009, 11:48 AM   #14
 
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Originally Posted by wild~hair View Post
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Originally Posted by mrspoppers View Post
As with any profession, there are good ones and bad ones.
Yeah, their widespread bad reputation is fictional, completely made up.

They're just like doctors. Or librarians.
Cue the posts that people who don't like debt collectors don't like them because they have debts, and if you don't want to be bothered by debt collecters, DON'T BE IN DEBT - TAKE RESPONSIBILITY FOR YOURSELF!

(and I know Net isn't actually in debt... I'm talking in general)
Amneris, nobody said that and you know it. Please don't turn this into something like that. You should know me well enough by now that I have NEVER said anything like that about debtors and I don't defend illegal collection practices. Lord knows, I've had bad experiences with collectors myself. In fact, I had one just last month.

Yes, I take the debt collector comments seriously. My husband is one. There is a difference between first party collections and third party agencies.

Wild~Hair, it sounds like you have some issues in your personal life right now.

Last edited by mrspoppers; 03-12-2009 at 11:58 AM.
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Old 03-12-2009, 11:55 AM   #15
 
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Originally Posted by Amneris View Post
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Originally Posted by wild~hair View Post

Yeah, their widespread bad reputation is fictional, completely made up.

They're just like doctors. Or librarians.
Cue the posts that people who don't like debt collectors don't like them because they have debts, and if you don't want to be bothered by debt collecters, DON'T BE IN DEBT - TAKE RESPONSIBILITY FOR YOURSELF!

(and I know Net isn't actually in debt... I'm talking in general)
Amneris, nobody said that and you know it. Please don't turn this into something like that. You should know me well enough by now that I have NEVER said anything like that about debtors and I don't defend illegal collection practices. Lord knows, I've had bad experiences with collectors myself. In fact, I had one just last month.

Yes, I take the debt collector comments seriously. My husband is one. There is a difference between first party collection agencies and third party ones.

Wild~Hair, it sounds like you have some issues in your personal life right now.
I wasn't referring to you specifically, but to general comments from the bank thread. I don't know who said what because I stopped reading it.
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Old 03-12-2009, 12:34 PM   #16
 
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We received our land line number in October, and I am still receiving calls from debt collectors for the previous person who had this number. I told one person to stop calling as "Mrs Smith did not live here, this was not her number" and she told me she would not stop calling until "I could prove I was not Mrs Smith, I did not know who or where she was".

I was able to *69 the number and reported her to the FTC.
Are you serious?! That's insane!
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Old 03-12-2009, 12:43 PM   #17
 
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We received our land line number in October, and I am still receiving calls from debt collectors for the previous person who had this number. I told one person to stop calling as "Mrs Smith did not live here, this was not her number" and she told me she would not stop calling until "I could prove I was not Mrs Smith, I did not know who or where she was".

I was able to *69 the number and reported her to the FTC.
Are you serious?! That's insane!
When DH and I were first married, we had a phone number that had apparently belonged to someone who owed a LOT of debtors...enough that she had warrants out for her arrest. Whenever I'd pick up the phone, the debt collectors wouldn't believe that I wasn't this woman. It got so bad that we changed our phone number and didn't leave a forwarding order so that we could be left in peace.
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Old 03-12-2009, 12:45 PM   #18
 
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I got a debt collection call a couple weeks ago on my cell phone for someone else. Weird, because I've had my cell phone for over two years now and have never gotten calls for this person. Actually, the debt collectors left a voice mail message. I called them back and told them it wasn't me. They were very courteous and said they'd take my number out of their database, and so far I haven't been bothered any more. Fingers crossed. So yeah, I think there are good ones and bad ones.
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Old 03-12-2009, 01:18 PM   #19
 
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I got a debt collection call a couple weeks ago on my cell phone for someone else. Weird, because I've had my cell phone for over two years now and have never gotten calls for this person. Actually, the debt collectors left a voice mail message. I called them back and told them it wasn't me. They were very courteous and said they'd take my number out of their database, and so far I haven't been bothered any more. Fingers crossed. So yeah, I think there are good ones and bad ones.
I've had the same issue. I've had my number for 5-6 years now. One company took it off and left me alone. The second company was really nasty and kept calling. Thing is the person they were looking for was a man.
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Old 03-12-2009, 01:20 PM   #20
 
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We received our land line number in October, and I am still receiving calls from debt collectors for the previous person who had this number. I told one person to stop calling as "Mrs Smith did not live here, this was not her number" and she told me she would not stop calling until "I could prove I was not Mrs Smith, I did not know who or where she was".

I was able to *69 the number and reported her to the FTC.
Are you serious?! That's insane!
Yes, she was mean. At least the others who have called for Mrs Smith were a little nicer when I explained this was a new number and not Mrs Smith's anymore.

I think she gave up her number and the phone company immediately issued it to us.
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