• Report: #324359

Complaint Review: CREDIT COLLECTION SERVICES

  • Submitted: Mon, April 07, 2008
  • Updated: Sun, May 08, 2011

  • Reported By:Stafford Texas
CREDIT COLLECTION SERVICES
Two Wells Avenue Newton, Massachusetts U.S.A.

CREDIT COLLECTION SERVICES harrassing and threatening to sue me for auto crash, fraudulantly claiming I was involved, when I not in same city! Newton Massachusetts

*UPDATE Employee: It is not a debt!!!!!!

*Consumer Comment: Dan - John is Correct

*Consumer Comment: John Wrong it's not a debt

*Consumer Suggestion: I must be wrong

*Consumer Suggestion: I must be wrong

*Consumer Suggestion: I must be wrong

*Consumer Suggestion: I must be wrong

*Consumer Comment: Wow, you are a class A moron.

*Consumer Suggestion: Wow what language

*Consumer Comment: Thank you, Dan

*Consumer Comment: You're defintely part of the scam

*Consumer Suggestion: Nice, very nice

*Consumer Comment: Dan's part of the scam

*Consumer Comment: Dan, I Disagree

*Consumer Comment: Dan, I Disagree

*Consumer Comment: Dan, I Disagree

*Consumer Suggestion: File a claim with your automobile insurance company

*Consumer Comment: Looks like that's their scam

*Consumer Comment: RE:

*Consumer Suggestion: Sue them in district court

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An officer came to my door back in April or May of 2007, said that my car was reported as having been in an accident and he would like to examine my car. I said Sure! He looked it over and came back to me and stated that 'there is NO WAY this car could possibly have been involved in the accident that I am investigating'. He said goodbye and I have never heard of or seen anything from it ever. No accident report, no charges, no contact with any insurance company including my own. Period.

I received a letter from CREDIT COLLECTION SERVICES saying they had a file number on me, I had better pay up immediately on the $36,423.59 that I am responsible for or they would turn me over to authorities and my license would be revoked. WHAT THE HECK???

Immediately I wrote up a letter explaining they had the wrong person, I was not involved, my car was not involved, there was no police report, no charges and I had no responsibilty in this matter whatsoever. Please cease and decist, and sent it Certified, Return Receipt Requested and got the card back so I know they received it.

The harrassment did not stop. More letters, more threats and each time the threats got worse. The latest letter has big red WARNING stripes down the sides and says "FINAL NOTICE" and says that if I did not pay up in two days that they were forwarding to legal counsel and that action would result in litigation and further costs to me. I ALMOST went into labor!! I could not believe it.

A company can just make up something out of thin air and expect a single mom with a 3 year old and nine months pregnant to cave in and agree to pay thirty six thousand dollars for no reason at all except to keep someone from harrassing her?

I called the local law enforcement offices and asked for a copy of the alleged accident report. They confirmed that there is NO REPORT to give me, as neither my name nor my car shows up in their computer anywhere. I was simply NOT involved.

I believe I have done due dilligence and communicated in every way with CREDIT COLLECTION SERVICES but they still threaten me and my family.

Montana1
Stafford, Texas
U.S.A.

This report was posted on Ripoff Report on 04/07/2008 03:53 PM and is a permanent record located here: http://www.ripoffreport.com/r/CREDIT-COLLECTION-SERVICES/Newton-Massachusetts-02459/CREDIT-COLLECTION-SERVICES-harrassing-and-threatening-to-sue-me-for-auto-crash-fraudulant-324359. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 UPDATE Employee

It is not a debt!!!!!!

AUTHOR: JG - (United States of America)

A claim is not a debt, it is a tort, a civil wrong doing an it is NOT regulated by the FDCPA, but rather tort feasors. So please look into that before telling people its covered under the FDCPA. you're wrong
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#2 Consumer Comment

Dan - John is Correct

AUTHOR: Laurie - (U.S.A.)

The burden of proof is on the Collection Agency to prove the debt is hers.
FEDERAL LAW DECIDES THIS! Not you or some collection agency.

And NO the OP is not going it alone to fight the big bad Collection Agency.


TO THE OP - go to www.budhibbs.com
This consumer advocate website that specilializes in debt collections.
You can get free advise and links to qualified attorneys that can help many of whom will work on contingency - YOU CAN SUE THE COLLECTION AGENCY if they continue to try and collect a debt they are not able to validate.
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#3 Consumer Comment

John Wrong it's not a debt

AUTHOR: Jasper - (U.S.A.)

John's a little thrown, a claim like this filed against you would not be considered a debt but a tort. No body extends someone else a line of credit to get into a crash with them. Except in the state of Colorado in which case it's a debt but more for the consumer protection that title offers; the severity of such a claim remains the same.

The real issue in a case like this depends on whether or not your in a mandatory insurance state. The reason being is, lets say you were uninsured, your all done for one thing, but also it doesn't matter if it's your fault or not; if you're on a public street and uninsured you shouldn't have been there. Dan is semi correct in stating that she should report it to her insurance company.
This is what to do:

First call the company and get all the info you can, plate #'s, the policy holders name, drivers name, owners name, witnesses, car occupants, the date, location, what they are saying actually happened, the adjusters name and #, ask that all documents pertaining to the claim be mailed to you (most companies that handle claims like these won't send anything but the proof that the money was paid out).

Trust Me Guys I'm a Lawyer

This should give you a good idea of what grounds if any the claim has. Second call them back and tell them you called the police that handle that location and tell them you asked for the police and accident reports but they said they have no record of the incident at all." Don't actually call the police report because who cares if one exists or not at this point. The company will either studder and evade that fact or tell you they have one, give you the report #, and demand immediate payment. If they give you a report # then go it it. NOW. You need to make sure someone didn't steal your identity get a copy of your license and your being pursued as the driver and not the owner of the car. If that's the case get a lawyer right away and file an affidavit of fraud at your local court house and contact your insurance company (unless directed not too by your attorney) in that order. IF YOU DON"T THEY WILL EAT YOU ALIVE.
If you find they have little or no information I would read your insurance policy and see what it says about false or misdirected claims protection FYI and if it says your rates might hike don't file a claim. Something that might be helpful for you to do is speak with your insurance agent about the claim, bring him the letter; the good thing about agents is that they make bonuses off every claim free client they have every year or sometimes every quarter. The agent will be able to let you know how the company can help without immediately filing a claim. Worst comes to worst you return mail there letters and tell them on the telephone (if they are calling you) that you don't live at your house anymore. After a while if they have any good evidence they will serve you with court papers and then you can flash the insurance card (at least you can prove you had coverage at the time even if the company won't cover it due to the length of time it took to file any claim). Then they have to prove fault and they more than likely can't if you don't recall an accident (unless your a black out drunk in which case you would have awoken in jail and the company would remind you of at least that).
All in All as long as you carry insurance your should be fine. John sounds like he's dodging bullets in the dark if what he wrote here is any indication of how he handles his personal business. Dan, my friend, your part of the scam and it's a big one, it's actually the greatest scam of all time (insurance companies). Whatever you do don't listen to these two clowns.
Also, if you have kids of driving age, interrogate the f**k out of them. I've seem situations where a 17 year old totaled another womens car and hurt her, never told his parent, fixed the car at the high school body shop and acted like nothing happened. The only reason someone realized something was wrong is the kids mother gets arrested for driving under suspension and then gets a bill (from a company like this) for $225,000 and climbing. Problem for them was the agent messed up the direct draw and got the policy canceled. This is a serious problem as they could have there house catch a lien, not get driving privilege's back, SR-22 insurance. FUN FUN FUN
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#4 Consumer Suggestion

I must be wrong

AUTHOR: Dan - (U.S.A.)

John,
I tried to be nice and clearly state my point. I've been harrassed by you and your inane logic about a collections company having to verify a debt. You disagree that the OP's insurance company would investiage an alleged automobile accident which her policy provides coverage for. So you win, I must be wrong because you went point by point and said nothing.
I have to agree I'm a moron, but for even trying to deal with you. It takes a tough guy to write nasty things about someone who's not standing in front of you.
I hope the OP finds herself clear the mess she finds herself in.
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#5 Consumer Suggestion

I must be wrong

AUTHOR: Dan - (U.S.A.)

John,
I tried to be nice and clearly state my point. I've been harrassed by you and your inane logic about a collections company having to verify a debt. You disagree that the OP's insurance company would investiage an alleged automobile accident which her policy provides coverage for. So you win, I must be wrong because you went point by point and said nothing.
I have to agree I'm a moron, but for even trying to deal with you. It takes a tough guy to write nasty things about someone who's not standing in front of you.
I hope the OP finds herself clear the mess she finds herself in.
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#6 Consumer Suggestion

I must be wrong

AUTHOR: Dan - (U.S.A.)

John,
I tried to be nice and clearly state my point. I've been harrassed by you and your inane logic about a collections company having to verify a debt. You disagree that the OP's insurance company would investiage an alleged automobile accident which her policy provides coverage for. So you win, I must be wrong because you went point by point and said nothing.
I have to agree I'm a moron, but for even trying to deal with you. It takes a tough guy to write nasty things about someone who's not standing in front of you.
I hope the OP finds herself clear the mess she finds herself in.
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#7 Consumer Suggestion

I must be wrong

AUTHOR: Dan - (U.S.A.)

John,
I tried to be nice and clearly state my point. I've been harrassed by you and your inane logic about a collections company having to verify a debt. You disagree that the OP's insurance company would investiage an alleged automobile accident which her policy provides coverage for. So you win, I must be wrong because you went point by point and said nothing.
I have to agree I'm a moron, but for even trying to deal with you. It takes a tough guy to write nasty things about someone who's not standing in front of you.
I hope the OP finds herself clear the mess she finds herself in.
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#8 Consumer Comment

Wow, you are a class A moron.

AUTHOR: John - (U.S.A.)

"I never said her insurance company would pay a claim that has no merit. Rather they would investigate the alleged loss, and protect her."

>>She has absolutely NO reason to talk to her insurance company about some accident SHE HAS NOT BEEN IN. Why should she take a risk of her premiums going up just under suspicion that she may have been in an accident that she was never in?

"The colections company is alleging her vehicle was involved in an accident, which would be covered by her automobile liability policy."

>>The collection company must valdate the alleged debt. What part of that don't you understand? THEY are making the false accusations. She has every right under the protection of the FDCPA to have this alleged debt validated which is what should be done.

"Maybe you just don't understand what I'm saying. Or I think you work for this company or one similar to it. You probably eyes deep into this scam, or a runner for a staged loss ring."

>>What the hell are these drunken ramblings? If I was involved, I would be dispensing the alleged 'advice' that you are spewing. That's why you are being called on it.

"Why else would you scream profaities and try to disuade the original poster from taking sound advice?"

>>IT'S NOT SOUND ADVICE. THEY WERE NOT INVOLVED IN THE MYSTERY ACCIDENT THEREFORE THERE IS NO REASON TO EVEN MENTION IT TO THEIR INSURANCE COMPANY. They must ask this alleged collection agency for validation of this alleged debt. It more than likely DOES NOT exist. Just like the other example I posted.

"If I was part of the scam I wouldn't want her to go to her insurance (knowing they love to deny claims) and gain their protection."

>>Why would you care where any money came from as long as someone was sucker enough to pay you?


"But go ahead a scream that I'm wrong. Typing angrily at your keepboard. So far the only thing you added to this report is a string of profanities, which I'd love to respond to in kind, but that would just lower me to your level."

>>I am the one who has dispensed the sound advice and you are already far below anything I could ever become.

"So please respond, scream how they have to verify the debt."

>>They do. Go read the FDCPA. It's there just for this kind of scam against a consumer and for the consumer's protection.

"Explain to a single mother that she has to take on a big bad collection agency by herslef, most likely losing because she doesn't have the resources to properly fight."

>>I could care less about anyone's alleged status as it is irrelevent to anything but looking for pity. YOU certainly don't give a s**t about any alleged single mo whatever as you think her insurance company should somehow pay for an accident that they weren't involved in. Thus increased premiums for her blah, blah, blah. What IS needed is forthright information. It is not very hard to google search for a debt validation template and send it off certified, return reciept required.

"Then when they do get a judgement they can attempt to collect it. Then I'm sure you'll be happy because you stopped another person from fighting back."

>>Why would you automatically get a judgment? Asking for validation would come before any judgment is granted that's for sure. It would have to go to trial first. But would be proven to be fraud as she wasn't involved so there would NOT be a judgment. Mighty confident in your little scheme there.

"I'm sure you'll have some more to say, maybe try some insults to my mother. That might raise my ire."

I could care less about your old lady. Though I guess you have a thing for necrophilia as you want to know if I have some sort of intimate relation with a dead woman I was related to.

"After all I'm here tring to help the OP not be on the hook for almost 37K."

>>No you are not as has been pointed out numerous times.

So as I wait i'll just be picking the sand out, as you advised me to do.

"Montana1,
Please take my advice. The collection agency is saying your car was involved in an accident. You have liability coverage on your automobile policy which should protect you."

>>Your insurance company is not going to protect you from an accident YOU WERE NOT IN TO BEGIN WITH.

"Don't listen to John, he's a rude angry man."

Aw, don't be so upset that I exposed you for the fraud you are.
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#9 Consumer Suggestion

Wow what language

AUTHOR: Dan - (U.S.A.)

John,
Why all the piss and vinegar? Why the language?
I never said her insurance company would pay a claim that has no merit. Rather they would investigate the alleged loss, and protect her. The colections company is alleging her vehicle was involved in an accident, which would be covered by her automobile liability policy.
Maybe you just don't understand what I'm saying. Or I think you work for this company or one similar to it. You probably eyes deep into this scam, or a runner for a staged loss ring. Why else would you scream profaities and try to disuade the original poster from taking sound advice? If I was part of the scam I wouldn't want her to go to her insurance (knowing they love to deny claims) and gain their protection.
But go ahead a scream that I'm wrong. Typing angrily at your keepboard. So far the only thing you added to this report is a string of profanities, which I'd love to respond to in kind, but that would just lower me to your level. So please respond, scream how they have to verify the debt. Explain to a single mother that she has to take on a big bad collection agency by herslef, most likely losing because she doesn't have the resources to properly fight. Then when they do get a judgement they can attempt to collect it. Then I'm sure you'll be happy because you stopped another person from fighting back. I'm sure you'll have some more to say, maybe try some insults to my mother. That might raise my ire. After all I'm here tring to help the OP not be on the hook for almost 37K. So as I wait i'll just be picking the sand out, as you advised me to do.

Montana1,
Please take my advice. The collection agency is saying your car was involved in an accident. You have liability coverage on your automobile policy which should protect you. Don't listen to John, he's a rude angry man.
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#10 Consumer Comment

Thank you, Dan

AUTHOR: Tracy - (U.S.A.)

Thank you for proving John's point. Your comments don't make any sense, so if it doesn't make sense, it is, more than likely, not true.
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#11 Consumer Comment

You're defintely part of the scam

AUTHOR: John - (U.S.A.)

AND definitely an idiot.
THERE IS ABSOLUTELY NO REASON WHATSOEVER FOR SOMEONE WHO WAS NOT IN AN ACCIDENT TO CONTACT THEIR INSURANCE AND REPORT THAT THEY WERE IN AN ACCIDENT-WHICH THEY WEREN'T IN YOU a*s!

If there is an accident reported, there has to be some sort of police report written. How else would there be any proof that it even happened to make a claim? Any one of the two alleged parties could deny anything even happened. Please let us who you work for so we can claim accidents against some of your customers with no proof whatsoever. They can just call the d**k and he'll automatically verify the policy and pay out.

And, the collection agency, BY LAW, MUST VALIDATE the alleged debt when ask to do so. You are absolutely clueless or defintely part of the scam. Go back to your cubicle, clean the sand out of your vagina, and find another victim.
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#12 Consumer Suggestion

Nice, very nice

AUTHOR: Dan - (U.S.A.)

John:
First off I'm not part of any scam or an idiot. I hope you don't kiss your mother with that mouth. I'm offering a way for the OP to protect herself using what's available to her. If the reponding officer felt she wasn't involved, he probably didn't write a violation. Like i said, the person who gave him the plate number probably also gave it to the insurance company. The insurabce co's don't always attempt contact, a lot of times they refer the claim to the collections company.

Tracy:
I've been handling insurance claims for a national insurance company for 10 years, and have come across this situation before. So I'm speaking from experience. My suggestion to the OP to file a claim with her insurance company is spot on. She has coverage for third party liability losses, even alleged losses. So if this collections company is saying she was allegedly involved, her auto policy would provide a defense. If it's a scam, the insurance company's internal fraud unit will investigate it. So she'd have her insurance company behind her, with all their investigative and legal power. If they determine she wasn't involved, they defend her. If the collections company takes the matter to court, they'll provide legal representation for her. People want to believe insurance company's are all big bad faceless entities, but most of us claims people are human, and try to be fair and impartial while handling claims.

Now if anyone posting here is part of the scam it's John, who after insulting me, is saying the burden of proof is on the collections company. So a single mother fighting a collections company on her own will no doubtly lose, and wind up with a judgement against her.
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#13 Consumer Comment

Dan's part of the scam

AUTHOR: John - (U.S.A.)

or a huge, clueless idiot. There is NO NEED to contact ANY insurance company for an alleged accident that you WERE NOT REMOTELY INVOLVED IN. The burden of proof is on the alleged collection company.

But why hasn't the town it allegedly happened in or the other person's insurance company come after you already? Hit and run is a huge violation. There is no way they'd let something like that just slip by.

There is also the problem of different plate series/backgrounds etc, that can also lead to trouble such as in Jersey where they had the old manila background then went to the baby blue.

They duplicated the number system since they ran out of combinations. So, like myself for example, got into an accident and my plates came back as registered to an 18,000 lb utility truck for JCP&L. The patrolman though I stole the plates until he saw the registration. JCP&L had old manila plates with the same combination as my baby blue plates.

But, it's really just a scam anyway. Make them validate this alleged 'debt'.
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#14 Consumer Comment

Dan, I Disagree

AUTHOR: Tracy - (U.S.A.)

Dan,

Please explain how it would be beneficial to the party that has been contacted by the police regarding a car accident that the party has no knowledge of. No damage to the vehicle nor has the party been involved in accident, and no hard copies of police reports, but file an insurance claim anyway, just in case??? Please explain the logic.
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#15 Consumer Comment

Dan, I Disagree

AUTHOR: Tracy - (U.S.A.)

Dan,

Please explain how it would be beneficial to the party that has been contacted by the police regarding a car accident that the party has no knowledge of. No damage to the vehicle nor has the party been involved in accident, and no hard copies of police reports, but file an insurance claim anyway, just in case??? Please explain the logic.
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#16 Consumer Comment

Dan, I Disagree

AUTHOR: Tracy - (U.S.A.)

Dan,

Please explain how it would be beneficial to the party that has been contacted by the police regarding a car accident that the party has no knowledge of. No damage to the vehicle nor has the party been involved in accident, and no hard copies of police reports, but file an insurance claim anyway, just in case??? Please explain the logic.
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#17 Consumer Suggestion

File a claim with your automobile insurance company

AUTHOR: Dan - (U.S.A.)

I'm in the insurance claim business. Let me explain what probably happend: there was an accident, somehow the police got your plate number. The office who saw your car determined it wasn't involved, but who ever gave the officer the plate number also gave it to the insurance company. The insurance company paid a claim, and most likely assigned this collection company to recover the money.

Your automobile policy will cover you for third party liability, which is what this claim is. They will investigate the loss and make a determination if you vehicle was or wasn't involved. If you vehicle truly wasn't involved they will defend you. If the claim goes to court and they lose, they will make a payment up to your policy limit. The loss was over a year ago, it's important you don't delay any further in reporting it to your insurance company. Explain what happened, and since you weren't in a loss you didn't know you should report the incident. The longer you delay, the more likely they will try to deny the claim for late notice.

You'd be surprised how often this type of thig happens. I've seen it a bunch of times over the last 10 years.
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#18 Consumer Comment

Looks like that's their scam

AUTHOR: John - (U.S.A.)

Here's another complaint from the net the same as yours but a different amount.

"I have received two notices and at least one phone call from this company demanding that I reimburse their client for $446.00 the client paid for repairs following an accident the client claims to have had involving me and my vehicle less than a month ago. I wasn't in an accident, my car wasn't in an accident, and I was not in the neighborhood indicated on the date given. The notices I have received ask for credit card info (to pay the charge), insurance info, or a check. There is, needless to say, no police report, no accident report, no damage to my own car...it's just a fiction! If I weren't so pissed at having to deal with this stupid stress on top of what life hands you for real, I'd have to admire this company's chutzpah. If you are contacted by someone from the above referenced # or anyone at 2 Wells Avenue, Newton, MASS, do your research well."


You have a good case of mail fraud right there.
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#19 Consumer Comment

RE:

AUTHOR: John - (U.S.A.)

This is some of the worse abuse I've ever heard of. Contact your local Red Cross for a referral for free legal aide in your area....Free legal aide is usually very stingy about giving assistance...but I think that your case qualifies for some assistance.

File complaints with the state attorney general of whatever state this sleazy firm is located in.
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#20 Consumer Suggestion

Sue them in district court

AUTHOR: Robert - (U.S.A.)

They have made multiple violations of the Fair debt collection practices act.

The threats are another matter. You can add the threats to your suit as well as file a criminal complaint against for harassment and extortion.

That should get their attention. BTW, the FDCPA allows for your attorney fees so you shouldn't have any trouble finding an attorney to take this on as a "contingent fee" basis.

Good luck and don't forget to file the criminal complaints with law enforcement.
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