• Report: #149541

Complaint Review: GC Services

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  • Submitted: Wed, July 13, 2005
  • Updated: Sat, January 05, 2013

  • Reported By:Scio New York
GC Services
4777 Hilton Corp Drive Columbus, Ohio U.S.A.

GC Services ripoff Columbus Ohio

*Consumer Comment: Paying what you can

*Consumer Comment: Don't be silly!

*Consumer Comment: never give checking account #s

*Consumer Comment: Most of that is correct, except...

*REBUTTAL Owner of company: Advice

*Consumer Suggestion: SUE THEM!!!!!!!!! "Nikki" is breakeing the law.

*Author of original report: WOW DO THEY NOT UNDERSTAND THE LAW!!!!

*Author of original report: And still they call!!!!

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About a week ago my wife got a phone call at work. When she answered the phone the lady said that she was from GC Services and her name was Nikki. My wife couldn't talk to her right then so Nikki gave her an 800 # (1-888-798-4993) and was told to call by Monday before 9 p.m.

Not knowing what GC Services was I told her to go ahead and call back, it was about her defaulted student loans. They immediately demanded full payment of the $15758.94 as if we had it. I got hurt at work back in 2001 and have not yet been able to return, thank God that my wife is so understanding she now she has all the pressure of being the main money maker, and what I get from comp isn't even of what my earnings were.

We tried to tell Nikki that we couldn't afford much but we could afford say $50.00 per month, she immediately starting going off on my wife I don't know who the hell she thought she was, but by this time I was raging with fury, my wife was bawling from some of the things that Nikki was saying to her, like we'll take half of your months wages if you don't give us your bank account number right now, then well see if you can feed your baby!! Like I told Nikki yeah like that's going to happen!!

She then asked my wife for a financial statement over the phone so my wife provided it, when we figured it we had almost $200.00 more going out then what we have coming in. When GC Services figured it they said that we have almost $300.00 that we don't use every month, me trying to figure out how they came up with that amount with a family of three and making a whopping $21,672 a year asked GC Services how in the world they came up with that, their answer: we based your pay on a 31day month I don't know about the rest of the country but my wife does not get paid for her days off and not every month has 31 days (maybe the employees at GC Services need to learn how to count).

Nikki also stated that she needed two or more references and that she had it in her authority to call my wives work place when ever she deemed appropriate, now I don't know about some work places but where my wife works is getting pretty mad about her getting so many phone calls. Does GC Services not understand that if they keep calling her at work she's apt to get fired??

When I got my wife calmed down enough to speak to Nikki she told her that we could manage $50.00 a month (although we really can't, but if it makes them stop calling and harassing my wife at work and home. SO BE IT). We'll manage to pay that $50.00! W

ell Nikki then proceeded to tell my wife that the $50.00 was not at all acceptable and that we had to pay $160.00 every week or it would be garnished from her paycheck! Why would they not accept the $50.00 a month? We're not trying to get out of the debt just trying to take what little money we have and make it stretch as far as possible, but they want to make it so where we have to go get on welfare I guess!!

Any how they'll either accept a money order of $50.00 a month (I will not allow a check to be sent to them, I may be a fool but not an ignorant fool! That would give them the account number to our checking account) or they can return it and we'll keep it for our records that it was denied. One word of advice to GC Services:

Treat each person with the respect and kindness that you would show your own mother or father and quit being rude to every one and trying to intimidate them into giving you their account numbers!

Merrie
Scio, New York
U.S.A.

This report was posted on Ripoff Report on 07/13/2005 06:12 AM and is a permanent record located here: http://www.ripoffreport.com/r/GC-Services/Columbus-Ohio-43232/GC-Services-ripoff-Columbus-Ohio-149541. 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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REBUTTALS & REPLIES:
0Author 7Consumer 1Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Paying what you can

AUTHOR: Richard - (United States of America)

I just started to pay on my defaulted student loan through GC Services. They tried to get what they wanted without regard to how I am to live. They demanded $150.00. I said. "$50.00!". They said we can't accept no less then $80.00. I said, "$50.00!!!". Then told them I know the law and they have to accept what I can afford. If they don't accept what I can afford, then I owe them nothing, and that they can drag me into court where I will tell the judge that I offered what I can afford, and they did not accept it. Well they accepted it and will continue to accept it on a money order. Then they said that they can't accept $ orders. I said, "YOU WILL ACCEPT A MONEY ORDER AND LIKE IT 'CAUSE I'M NOT GIVING YOU A BANK ACCOUNT!" Well I now send in a $ order every month for $50.00. Probably will for the next 15 years AAAA HA HA HA HA HA HA LOL. That's what they'll get AND LIKE IT! LOL. THE END
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#2 Consumer Comment

Don't be silly!

AUTHOR: Mai - (United States of America)

You have student loans that you are behind in so THEY can garnish your wages!!!!!! Anytime you owe student loans which all are subsidized through the government they will garnish your wages and take your tax refunds for years until paid. By now I'm sure you have found this out. Anything that is a secured line of credit you can be sued, garnished, lien on property or judgment against you. People educate yourself on credit and the credit industry before you borrow. I have debt and would never blame my creditors for something I created especially when you promise to pay. The fact you put so much energy and posting against this "Nikki" and she can't even see your blogging. I'm trying to goggle "GCServices" to find a job so I don't get sued and see this silly posting-STOP it and grow UP!
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#3 Consumer Comment

never give checking account #s

AUTHOR: Steph - (USA)

My advise is never give your checking account#a or any bank account #s these collection agancies cannot be trusted if you already have do a stop payment and to be safe close the account and reopen it with new #s.


If you have call block on your phone I would use it if Nikki calls again and the # shows you can dial a few #s to block her from calling and keep doing it when she calls from other #s if she calls unknown or blocked # have the phone company tell them that you do not accept phone calls from blocked #s

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#4 Consumer Comment

Most of that is correct, except...

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

"Also, it might ease your mind to know that no one can garnish your wages unless they sue you and win! Even if you get a notice of court action in the mail, they couldn't garnish your wages at that point because you haven't gone to court, and they haven't one."

This does NOT apply to student loans.  Wages CAN be garnished without a court order.
This is why collection agencies LOVE to collect student loans.  GC Services is one of the garbage collection agencies that lucked into student loan collections somehow.

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#5 REBUTTAL Owner of company

Advice

AUTHOR: Jenna p. - (U.S.A.)

 

Yes, "Nikki" IS still breaking the law and no one those laws have been changed. Also, it might ease your mind to know that no one can garnish your wages unless they sue you and win! Even if you get a notice of court action in the mail, they couldn't garnish your wages at that point because you haven't gone to court, and they haven't one. You need to keep record of any/all conversations and you have not only with "Nikki" but her company, and how often they call in a notebook. Write down the time and date, and all important points of the conversation. Whenever she calls tell her the only way you'll talk to her is if she agrees to talk to you while you record the conversation and on YOUR terms (within noon-3pm on Tuesday-Thursday, for example). If she agrees to this, get yourself a recorder, put her on speaker phone and record! I think you'll find that either she will stop calling OR she'll get her act together fast and stop lying and making bogus threats! If she continues to harass and threaten you, take all your records to your lawyer and sue, sue, sue! They could end up paying off those loans you have with their dirty business. Legally, if you tell them not to call you, they can't beyond that point. They also can't use bullying tactics like "Nikki" has done with you. Good luck!

 

- Jenna

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#6 Consumer Suggestion

SUE THEM!!!!!!!!! "Nikki" is breakeing the law.

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

"Nikki" is breakeing the law. You need to sue them. You do need to send a stop calling notive in writing which you have done. You also need to find out if the original lender has given the collection agency the authority and intent to to garnish your wages. If not, they won't do anything and then you have yet another count on them to sue.

I work for a collection agency and that "Nikki" needs to be fired. She is just taking advantage of the fact that you can't file bankruptcy on student loans. You need to call thme back and talk to a supervisor, find out the presidents of the company's name and write to him/her too. I garauntee any attorney would be all over this.
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#7 Author of original report

WOW DO THEY NOT UNDERSTAND THE LAW!!!!

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

IT'S JULY 19TH, 2005 AND AT 7:45 AM "NIKKI" CALLED AGAIN!!! AFTER WRITING THE UPDATE YESTERDAY I FAXED THEM A CEASE AND DESIST LETTER, AND ONE IN THE MAIL CERTIFIED WITH RETURN RECEIPT, MUCH TO MY SURPRISE THEY CALLED THIS MORNING, CAN THE EMPLOYEES AT THIS BUSINESS READ???? SHORT OF SUING THEM WHAT THE HELL IS IT GOING TO TAKE TO STOP THEM FROM CALLING????

I AM IN CONTACT WITH THE ORIGINAL LENDER OF THE LOAN! I HAVE ASKED THEM NOT TO CALL (THEY STILL DO), I HAVE TOLD THEM IN A FORCEFULL VOICE NOT TO CALL (THEY STILL DO), I HAVE FAXED THERE OFFICE AND THERE MAIN HEAD QUARTERS OFFICE IN HOUSTON (AND THEY STILL CALL).....

DO THEY REALLY NOT UNDERSTAND THAT THEY'RE REALLY UPSETTING PEOPLE??? AND THEN NO ONE UNDERSTANDS WHY PEOPLE SNAP, AND TAKE ACTION INTO THERE OWN HANDS.... IT'S BECAUSE OF PEOPLE LIKE NIKKI!!!!!

I UNDERSTAND THAT SHE HAS A JOB TO DO, BUT WHEN SOMEONE SAYS DO NOT CALL HERE AGAIN THAT DOESN'T MEAN TO WAIT UNTIL THE NEXT MORNING AND CALL AGAIN.... THAT MEANS DO NOT CALL HERE AGAIN!!!!!!

WOW SOME PEOPLE JUST CAN'T UNDERSTAND EVEN THE SIMPLEST ENGLISH!!!! DOES ANYONE KNOW A FOREIGN LANGUAGE THAT MAYBE SHE'LL UNDERSTAND???
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#8 Author of original report

And still they call!!!!

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

It's now July 18th,2005 and once again "Nikki" has called my house! I told her not to as and she told me that she could call me around the clock if she so desired!!! I told her that I stated my piece that she was never to call me again and if she did she would be breaking the law! To my dismay her reply was that law is no longer in effect!!! What do this ignorama's take the public for moron's???

I know for a fact that the law is still into effect, when she started arguing about it... I told her again to never call and I hung up there new phone # show's up like this "Operations Division 1-614-322-1739" so stay away from that number for sure!!! She's like the cockroach that no matter how many times you spray alway's comes back!!!!!

"TAKE THE DAMN HINT NIKKI, DON'T CALL HERE!!!!!"
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