• Report: #357611

Complaint Review: Collection Company Of America

  • Submitted: Wed, July 30, 2008
  • Updated: Sun, January 17, 2010

  • Reported By:Burke Virginia
Collection Company Of America
PO Box 5369 Norwell, Massachusetts U.S.A.

Collection Company Of America Threatened to make false report to credit agencies/drop credit score 150 Points Norwell Massachusetts

*Consumer Comment: File a complaint and sue

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When I switched to Verizon, my AT & T service was cancelled (on May 10, 2008). I believed I was paid up at that time. In just 6 weeks, AT&T sold my account to Collection Company of America. When one of their agents called me, she identified herself as an AT & T employee. I was surprised to learn that they believed I had a balance of $69.84. Since I hadn't had service after May 10, I asked what I owed up to that date only. She would not answer that question and put on another very rude woman who sarcastically said " I'm just putting you on record as refusing to settle this debt". I said I wanted to know the actual amount of any debt, since I doubted I owed anything. She said "Fine - I'm gonna drop your credit score 150 points and report you as a bankruptcy to the credit agencies".

I called AT&T, who told me about selling the account. I feel they are still respopnsible for selling my personal information to these disreputable people and are complicit in this obviously criminal behavior. To have the audicity to threaten to lie in order to damage a person's life (and possibly carry out that illegal threat) makes it very clear that AT&T should have had more discretion in its assignment of the account after such a short time for such a small amount - and CCA should be out of business for sanctioning such criminal behavior on the part of its employees.

Fighting back
Burke, Virginia
U.S.A.

This report was posted on Ripoff Report on 07/30/2008 07:59 PM and is a permanent record located here: http://www.ripoffreport.com/r/Collection-Company-Of-America/Norwell-Massachusetts-02061/Collection-Company-Of-America-Threatened-to-make-false-report-to-credit-agenciesdrop-cred-357611. 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

File a complaint and sue

AUTHOR: Megon - (United States of America)

Collection Company of America, CCA, Collecto, Inc., EOS CCA, and many other trade names assicated with this company are illegal. They have registered many trade names with the Colorado Secretary of State. Do a search on each of their trade names, as well as Collecto, Inc., and the newest one EOS CCA (EOS HOLDINGS) print each of their applications. In court the representative presented certificates of license, however the Attorney General's Office lists their licenses as inactive, accept for one, and it is not the one registered to Collecto, Inc. Make sure you do your homework. If you have enough of the evidence to prove they are an illegal "Trade Name", you may be able to sue for thousnads of dollars. Some of the violations award specific damages, while others award actual damages. Regardless of weither you owe a debt or not, this company if properly sue will not see a dime of your money. Not paying your bills is not a defense that can be raised against you. Everyone falls short at one point in time. If you have collection companies knocking on your door, it is because they purchased your debt at pennies on the dollar. Most collection companies will not sue you, but when they do, make sure you do your reseaarch on them. There are less than a dozen collection companies in america who are in good standing. Most of them will argue, curse, and get irritated when you tell them you are not gonna pay them. They are fueled off of agression. You never have to talk to them, and if you write them a letter telling them not to contact you, they have to follow your request, or they can be sued. Record your calls with them, and make sure you mail letters certified. CCA, Collection Company of America has been sued many times, and have lost many lawsuits for violation of the FDCPA. One of the Parent Companies they claim to be Collecto, Inc. recently lost a class action lawsuit, see Castro v Collecto, Inc. My sugestion to you regardless of weither or not you owe a debt, is to #1 mail a letter requesting validation of the debt, a written notice of assignment, and a full accounting record of the debt, to include all payments you have made, outstanding balances, and what exactly the debt is for. Remember that they have the burden of proof that you owe this debt. Most of the time their records are not accurate, and they will avoid persuing accounts that are inaccurate and incomplete. They have to validate the debt as their own. In my case they representative said that if that I want that information I can go to the hospital and request it myself. That is her big mistake, I am not the one required to obtain that information, the burden is hers, and not mine. #2 File a complaint with the Federal Trade Commission, and the Secretary of State, as well as the Attorney General. The more complaints they receive against these people, the more they will persue them. See the case of The United States of America v LTD Finalcial Services. This case was brought by the Federal Trade Commision after hundreds of complaints were filed against a collection agency that violated the FDCPA against hundreds of people. It takes a lot of complaints to catch the attention of the FTC, and States. The forms are located on the websites of all theses agencies, and it doesnt cost a dime, you dont need an attorney, you just need a valid complaint. Makes sure you save copies of all correspondences. False reporting on a credit report is also punishable in criminal courts, as well as monitery damages. Do your homework on these people, and know that it is illegal to conduct business under more than one assumed name. These people have registered and actively use at least 6 names that I have found so fa in Colorado alone. I printed the applications to the Secretary of State, and printed their license status off the Attorney General's website. #3 sue them, sue all of their trade names, and stick to it. Eventually something as big as another class action lawsuit will bring these people to their knees, or at least force them to create new alias'.
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