I had to tell my story after reading such horrific tales regarding this company. My involvement with "the GC Reich" started last year in May when my fiance and i recieved a call from a gc rep regarding our Amex account.
My fiance is a displaced 911 worker so I have been the major breadwinner in the household. we suffered a huge loss of income and all of our bills were way past due we managed to catch up with many bills but could not give amex the full 6566.60 we owed. we sent what we could but i guess this was not good enough for amex. they sent our account to GC. the first call was from a Mr. Collins he never identified where he was calling from and addressed me by my first name as if we were friends.
I ignored this call because i had no idea a company attempting to collect a debt would not identify who they were representing. these calls continued and one day i got a message on my voice mail at work from this man. I was really upset about this and asked by fiance to contact him and find out what this was about. this person convince my fiance to send a post dated check for 2000.00, which we did not have at all. now we were scrambling around to come up with 2000.00 before the post date. I guess you know what happened next the company deposited the check immediately and it bounced. It gets better the continued to attempt each week to withdraw 2000.00 dollars from the account everytime we got penalized from the bank for 30.00.
i finally had enough when i recieved a phone call from this mr. collins a second time at my job, i was in the middle of a meeting with all my colleagues in one office, i told him i was not free to speak but he did not want to get off of the phone. i had to be lectured by this person on my fiance's attempt, his words, to pull a fast one. I finally had to put him on hold excuse myself and find a private place to talk. i immediately told him to never call my place of employment again. he began to lament about how much trouble he was in for trusting us and that my fiance had promised to pay at least 2000.00 by next week. i told him that was impossible since we did not have that kind of money. i explained our financial situation and attempted to setup a payment deal.
i was told by this man that he would speak with his supervisor. i was put on hold and without warning a woman named Holly got on the phone who claimed to be from the auditing department. she asked me if i could send a check for the full amount in two weeks. i told her no. then she stated well i'm sorry we can't help you, good luck with your situation. before hanging up she asked my for the number to my personnel department, then said never mind. she then verified my address and told me to expect to be served in a week. she then hung up.
well needless to say this left me upset for the rest of the day. I panicked but did not know what to do. by the time i got home i was just angry. i went online and began doing research on consumer credit rights. i immediately sent a letter of complaint to the company's texas office and mossouri office. i also sent letters to consumer affairs in ny and one to Elillot Spitzer, the NYS attorney general. once i did this GC got real nice real quick. they worked out a payment plan with me for 200.00 a month. i wish i could tell you the nice behavior lasted but i believe because i stood up for myself they are trying to harrass me by mail. they no longer call my home but they send these letters with offensive statements.
i belive they're hoping i will give them any reason to get me into court. i just received a letter yesterday terminating my payment agreement and once again requesting i pay in full. i have been given five days to respond. but i plan on being well armed with my tape recorder to get every nasty word they utter. i am tired of feeling ashamed for being in debt, things happen! I'm willing to pay what i owe but i will not allow this company to debase me in the process.
American Express should be ashamed of themselves for using such a rotten company. i'll keep everyone abreast of my progress with these infidels. but to others dealing with GC don't let them walk over you, you have rights fight for them. contact them on your terms, be armed, tape the conversation, get names keep dates request info. in writing. sooner or later this company's going down!
Staten Island, New York