• Report: #245010

Complaint Review: Creditors Financial Group

  • Submitted: Fri, April 20, 2007
  • Updated: Mon, August 06, 2007

  • Reported By:Vancouver Washington
Creditors Financial Group
3131 South Vaughn Way Ste 110 Aurora, Colorado U.S.A.

Creditors Financial Group Phone Harrasment Privacy Violation ripoff Aurora Colorado

*Consumer Suggestion: Creditors Financial Group Harrassment


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I was contacted by this company and their people, and they way they treat you made me do some minor research on debt collection, what worried me the most was my privacy (which obviously was not of concern to them.

They first contacted me at around 9:50 am, and I hung up on them (as instructed by the debt consolidation agency I am working with) and they called two more times right after that, three times in a matter of five minutes, I am sure it would of been more but I left the phone off the hook to get them to stop.

Then again no more than an hour later I get a call from one of their employees once again I answer the phone, and right off the bad I get called ignorant, and showerd with legal threats (by some lady who didnt introduce herself, or mention who she was calling for) asking what the name of my lawyer is going to be when we go to court, etc..

Now I am not a lawyer but there are some things just not right with this place, I live with other people and if this where to get out, it would not be a good thing for me and I stressed my privacy with these people and they just seem to care about collecting the money, asking my room mates about where I work what I am doing things of that nature.

I would like this problem to stop, in my opinion it is getting a little out of hand for me.

Vancouver, Washington

This report was posted on Ripoff Report on 04/20/2007 02:05 PM and is a permanent record located here: http://www.ripoffreport.com/r/Creditors-Financial-Group/Aurora-Colorado-80014/Creditors-Financial-Group-Phone-Harrasment-Privacy-Violation-ripoff-Aurora-Colorado-245010. 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 Suggestion

Creditors Financial Group Harrassment

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

I too have been harraassed and threatened and insulted by CFG. It is time to teach them the lesson they deserve.
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#2 Consumer Suggestion


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

Before I forget ... here is the president of Financial Creditors personal email account ..


you need to go to Budhibbs.com (a consumer advocate) and look up this group ...

Steve or J will probably be along to clarify, but if you are working with a debt consolidation company (and we won't go into the positive and negatives of doing that...) I am not sure they should be directly contacting you. Further, it sounds as though you have a cause of action against them on several accounts. go to privacyrights.org or google collection agency prohibit tactics (or similar text) for extensive information.

this is a but a brief list of their violations against YOU ..

The debt collector must disclose in any written or telephone communication to the consumer: Its identity and business address; The name of the person making the telephone call; The identity of the person or company for whom the debt collector is attempting to collect the debt.

What Debt Collectors Cannot Do
A wide range of collection activities is specifically prohibited. Generally these prohibited activities fall into two categories: actions designed to intimidate, harass or annoy consumer debtors; and actions that are unfair, misleading or deceptive.
- The use of obscene or abusive language and threats of violence is prohibited. The FDCPA also forbids any threat of criminal action or harm to the consumer's person, property, or reputation. Debt collectors have even been held liable for the use of ethnic slurs, curse words, insults such as "liar," "deadbeat" and "crook," and for threatening to "ruin" credit ratings.
- Debt collectors are prohibited from contacting consumer-debtors at unusual times, or times known to be inconvenient to the consumer. The FDCPA actually goes as far as specifying that calls placed before 8:00 a.m. and after 9:00 p.m. (in the consumer's time zone) are generally improper. If a debt collector knows, or has reason to believe, that odd hours are not inconvenient for the consumer (such as if the consumer works at night), then the consumer may be contacted at other times.

- Debt collectors may not telephone the consumer-debtor repeatedly or engage the consumer-debtor in endless telephone conversation.

-Both the State Act and FDCPA state that debt collectors may not contact consumer-debtors at their places of employment under certain

- A debt collector may not communicate with anyone other than the consumer-debtor, his or her spouse or the parents or guardians of a debtor who is a minor, about the debt unless the debtor expressly agrees to permit the "third party" contacts.
- A debt collector is prohibited from continuing to write or call a consumer-debtor once informed that the consumer is represented by an attorney or other representative (such as a credit counselor).
- Debt collectors are prohibited from publishing the names of debtors in any medium (such as a newspaper or magazine). They may not advertise the sale of debts (to so-called "factors") in order to embarrass or humiliate debtors through public exposure.

Debt collectors may not mislead about what action they might take by:
- Making unfounded threats of criminal charges against the debtor
- Falsely implying that the debtor will be arrested or imprisoned, or that his or her wages will be garnished or property attached unless those actions are legal and the debt collector intends to take that action (the debt collector must disclose that a court order is required for any of these actions)
- Threatening to take any action which the debt collector either does not have the legal right to take, or does not ordinarily take (such as unfounded threats of litigation)

- Stating or implying that failure to pay a debt will result in the debt being turned over to collection agency who would use harsh, vindictive, or abusive tactics.

Debt collectors may not use false representations to collect a debt or to get information by:
- Using false pretenses to either induce the debtor to contact the debt collector or make payment, or to obtain information about the consumer from third parties
- Threatening the consumer with arrest or seizure of property or wages, without disclosing that court orders may be required for any such action
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