• Report: #259613

Complaint Review: CREDITORS INTERCHANGE

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  • Submitted: Mon, July 09, 2007
  • Updated: Wed, July 11, 2007

  • Reported By:CHESAPEAKE Virginia
CREDITORS INTERCHANGE
699 HERTEL AVE STE 109 BUFFALO, New York U.S.A.

CREDITORS INTERCHANGE APPARENTLY THIS COMPANY DOES NOT HAVE TO FOLLOW PRIVACY LAWS BUFFALO New York

*Consumer Comment: Great Job

*Author of original report: I CAN'T IMAGINE

*Author of original report: I CAN'T IMAGINE

*Author of original report: I CAN'T IMAGINE

*Consumer Suggestion: You should have never told them you know the person

*Author of original report: Trust me the address they had was right!!

*Consumer Suggestion: Not receiving the mail package

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The company Creditors Interchange is a very dishonest, unlawful and extremely rude company. I recently had to deal with them on a fraudelent credit card matter and they did nothing to help assist me or even give me names of people that could help.I am 22 years old and until now, have had very good credit.

My parents called and told me that they had something they needed to speak to me about and told me to come home. When i did they told me that a girl named Mary had called them from Creditors Interchange and explained to my PARENTS that i had outstanding debt and that they were going to put a judgement out against me for it.
They THOUROUGHLY explained the debt in detail including what my credit score was and what this would do to my credit score. They also told my PARENTS that if the debt was not paid that by the next morning that I would be going to jail and would have my wages garnished and all kinds of good stuff.

At the end of the conversation with my PARENTS, she asked them to pay my debt for me so that my credit could be saved. While my PARENTS are telling me all about my debt, I was thinking what are these people talking about.

So the girl that I had heard of as "Mary" called me the next day and told me all about it and when I asked about why she had called my PARENTS to discuss the matter, she explained to me that she had tried to get in touch with me and was unsuccessful. she read me the address and number that she had, which was the person who had committed the fraudelent act against me, and I started to explain the card in question was one that I had canceled and never even used.

She cut me off saying that she has spoken with me regarding this matter and that I was fully aware of the situation. I then explained to her that i knew the address and the person who lived there and that it was not me that she had been speaking to.

After a few hours of her harrassingly calling my work every ten minutes to find out when her company would be paid, I started to get upset and told her that what she was doing was breaking many privacy laws and I asked to speak to her manager. She "transfers" me to her manager "Sarah" only for me to find out that it was the same person but a different name. This person started telling me about the people that had committed fraud against me have horrible credit and that I should just pay the debt to get it out of my name to save my credit score.

I'm not going to bore with all the details of what happened in the next couple of days because it is just to repetitive but the ending result was that the company was to send me out all the proof I needed to file a police report for fraud and that I would recieve the info in six weeks.

So I have been waiting for this information for going on six weeks now, nothing ever came and today I got a call from this company again demanding that I make a payment to save my credit.

I asked her about the information and she told me that I would have to go to the credit card company for that (which the credit card company told me that I would have to go through the collection agency and remember "mary" and "Sarah" both explained to me the info would be at my house in six weeks.). She then explained to me that the last note on the account was that xxxxx was going to pay my account off for me. I told her that not only is that note wrong but that it was a fraudelent check that should be taken out of my name.

She told me my mother was the one who said she was going to pay the debt and then I tried to explain to her again that my family nor I would not pay for debt that I did not accrue. She then cut me off, said have a nice day and hung up on me.

So I called my credit card company and said that this matter needed to be resolved because my credit should not suffer due to negligence of a company. All I read about is how credit card companies are 100% against fraud and will not hold you liable, well don't believe them because that is why I am here, right now, writing this report.

If anyone has information on what I can do regarding this matter, please let me know. I know that what these people did to me breaks many privacy laws, and I have documentation of phone calls and records from the person who actually committed the fraud against me stating her guilt. So please, if you have any information that would help I will be extremely grateful!

Jayme
CHESAPEAKE, Virginia
U.S.A.

This report was posted on Ripoff Report on 07/09/2007 11:56 AM and is a permanent record located here: http://www.ripoffreport.com/r/CREDITORS-INTERCHANGE/BUFFALO-New-York-14207/CREDITORS-INTERCHANGE-APPARENTLY-THIS-COMPANY-DOES-NOT-HAVE-TO-FOLLOW-PRIVACY-LAWS-BUFFALO-259613. 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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#1 Consumer Comment

Great Job

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

Dealing with debt takes persistence. While you may have begun to straighten out your situation, the actions Creditors Interchange took expressly violate the Fair Debt Collection Practices Act. Under this law, if you respond to a letter from a debt collector claiming that this debt is not your responsibility, they are required to investigate it. This is to include contacting the original creditor to verify your claim. In the case of identity theft, having a copy of a police report would certainly help. In addition, many states also issue paperwork to identity theft victims indentifying the debts that you are not legally responsible for.

In terms of the jail statement, that is also illegal. Debt collectors or agencies are prohibited from making statements regarding legal action they do not intend to take. Refusal to pay a debt is not necessarily a crime. In any event, it is not a jailable offense. Since failure to pay a debt will not, in most instances, result in an arrest, such an action is not available to creditors.

It so follows, that if the statement were to inform the debtor that the creditor will "send them to jail", this directly violates the act. Jail is not a viable option, and in any case is not an available avenue for a collection agency to take. Thus, if criminal charges are not an option, this is not an action the creditor intended to take.

You should contact the Attorneys General for New York and your home state regarding this matter.
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#2 Author of original report

I CAN'T IMAGINE

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

I know now that I should not have told them. I finally got the credit card company to send it to fraud because the debt was WAY more than I or she could pay. They really had no interest in the fact that I was in the middle of identity theft.

The main reason I told them is that I was so upset about what was going on with this lady telling me she was from a lawyers office and that my wages would be garnished and I was going to jail, that when she told me the address I just was like WHAT! I know who that is and it just kind of came out.

When she found out who they were then I do not know how but she pulled their credit and told me all about it.
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#3 Author of original report

I CAN'T IMAGINE

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

I know now that I should not have told them. I finally got the credit card company to send it to fraud because the debt was WAY more than I or she could pay. They really had no interest in the fact that I was in the middle of identity theft.

The main reason I told them is that I was so upset about what was going on with this lady telling me she was from a lawyers office and that my wages would be garnished and I was going to jail, that when she told me the address I just was like WHAT! I know who that is and it just kind of came out.

When she found out who they were then I do not know how but she pulled their credit and told me all about it.
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#4 Author of original report

I CAN'T IMAGINE

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

I know now that I should not have told them. I finally got the credit card company to send it to fraud because the debt was WAY more than I or she could pay. They really had no interest in the fact that I was in the middle of identity theft.

The main reason I told them is that I was so upset about what was going on with this lady telling me she was from a lawyers office and that my wages would be garnished and I was going to jail, that when she told me the address I just was like WHAT! I know who that is and it just kind of came out.

When she found out who they were then I do not know how but she pulled their credit and told me all about it.
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#5 Consumer Suggestion

You should have never told them you know the person

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

You should never have told them you know the person who did it. I had this same problem and once the collections agency heard I knew the person, they did absolutely nothing to help me. According to them, I should just pay it and recoup the money from the person who used my SS#. They probably won't help you and they don't care. They just want their money.

Is there any way you can get the money from your "friend" and just pay it? If it is not yet on your credit report, and it's not very much money, you should do that. If it is on your credit report, then it is up to you whether you want an unpaid collection or a paid collection on your report.

You may have a case against them for telling your parents your private info. Can you imagine what they told the person who lives at the address & number they have? Also, how do they know the people who committed fraud against you have terrible credit? If they know their name (to get their credit score), then they know it's not you.
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#6 Author of original report

Trust me the address they had was right!!

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

I had thought about that when I had first asked for the information, and when the girl, "mary" told me that she would send it to me in six weeks I asked her which address she was going to send it to. She said that she would mail it to my parents house and trust me they knew everything about me, my address, phone numbers of my family and me, just everything. But when I spoke with the other lady (who she did not give her name) she told me that there were no notes on my account except for one and that was, my Mom was supposed to pay the bill, which is just EXTREMELY false.

Then she told me that she would not send me any information even if she had the means to, she only wanted a payment. When I told her that I was not going to pay because it was not my debt and that I was waiting for proof I needed from her to make a police report she,(atleast told me to have a nice day), then hung up on me.
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#7 Consumer Suggestion

Not receiving the mail package

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

I will not try and explain or justify what seems like violations of the law from what you have described, but I will try and answer why you have not received the "fraud" package. You said they gave you an address and phone number of someone else that you knew. When they spoke with you, did they ask and get your address? Simply put, if they did not get a new address, it went to the old address.
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