They use autodialers/predictive dialers to call cell phone numbers not provided to original creditor without prior consent. (TCPA violation $1500 per call statutory damages)
They spoof caller ID's to send unsolicited text messages to pre-paid cell phones at a cost per text pretending to be a guy named Chad asking where you are.
They call multiple time in a row in an attempt to cause the phone to ring continuously
They intentionally use voice inflection, the title of "investigator" and case #...... to convey that they are in fact law enforcement trying to locate someone that they have a case on.
They do this to elderly cancer patients with heart conditions as they did to my father.
They call many times in a row hanging up on said elderly folks with their predictive dialer calling multiple numbers and routing the calls that answer first to the case worker. [continued below]....
They lie about who they are, who owns them, their address and tell you they do not have a fax number.
They intentionally and willfully cause the debt to be disclosed to third parties by the nature of their intimidating calls to seniors.
They open their clients up to class action lawsuits by running their entire portfolios in this fashion.
This is what I endured at the hands of SVR Inc..
The client did not recover anything.
The client had to deal with repeated calls due to their actions.
The client wasted hours of time and had to run the entire file by it's general counsel.
The client's contact who recommended this vendor was embarrassed and forced to apologize to the debtor's 75 year old father.
This client was or still may be Ally Financial Inc.
These companies owned by John Lewis and Perla Lewis, are not operating within the law despite the perception that the owner through his blog "Masterqueue" tries to propagate.
If you assign your portfolio to this company for collections, you are doing so forewarned.
Besides failure to identify, fake spoofed caller ID's and the illegal use of predictive dialers to call cell phones and land lines, including people they know are not the debtor, they duck all responsibility for their actions. The time is coming for this company and have put three hours in so far today to make that happen. They will be held to account. Here is my story.
Abusive skip tracing/ debt
collector (Silicon Valley Recovery, Inc.) working for Ally Financial Inc.,
called my 75 year old Dad pretending to be a detective. Using voice inflection
to sound like a cop and the name investigator Brad Martini, working case number....
trying to locate. My Dad worried that the police were looking for me and
feared his grandson, whom I have sole custody over, would be orphaned as his mother
is not in the picture. He couldn't reach me. He freaked out and called my eight
brothers and sisters telling them the police were searching for me. I was
reached by my brother and called my Dad. I told him the truth. I had to explain
the details of my debt to my whole entire family because of this. I contacted
S.V.R. Inc. and told them to cease and desist at the end of the call. They then
immediately called my Dad. They thanked him for getting the message to me. Brad
Martini told my Dad " you need to convince him to be the son you raised
him to be". They tried to shame this proud parent of nine. He was upset.
They called two of my cell phones hanging up on me for several days. Then they
called my Dad 3 times in a row hanging up on him 10-22-2012 then on the third call after a
pause the call was transferred to Brad Martini. My Dad stated to him that he
was on the other line reporting them to the Attorney's General's Department of
consumer protection. He then hung up. My Dad called me very upset. He had
cancer surgery this past year and has heart issues and was forced to keep
getting up and walking all the way across the house to the only phone to answer
then being hung up on and then doing it all over again meanwhile getting all
upset. I called Silicon Valley Recovery, Inc. and they refused to give
identifying information. They hung up on me two different times. Once with Brad
and once with the office manager Katherine. I got their resident agent
information and address from the secretary of state with what the name they
reluctantly provided. I then called back and they denied the address, the name
of the resident agent and the name of the owner John Lewis. They then
transferred me to the people I owe, Ally Financial Inc.. They were nice. They
were honest. They put me in touch with the guy who runs the collections
department John Sullivan. I explained all we had been through with all the
calls and two fake texts to one of my cell phones pretending to be Chad trying
to find out where I was. He apologized and stated that sometimes the Vendors do
not operate the way they should and sometimes violate the law without knowledge
or consent of the original creditor which was Ally Financial. Basically they
hire these guys and they are acting in bad faith while violating the TCPA and
the FDCPA. Ally Financial represented by John Sullivan immediately recognized how bad this situation is and personally called my Dad to apologize which really helped my father calm down.
Ally Financial Should not be in the business of apology calls on behalf of their vendors. These people were sued in Illinois last year for similar violations.
I have an appointment with one of the best TCPA, FDCPA attorneys on November 26th 2012.
I have notified every single regulatory agency that handles these complaints.
I will go further in lobbying my elected officials to enact legislation to provide tougher sanctions and enforcement against such practices. I used to ignore these types of calls. These guys went way over the line and then some.
Is this who you want working your portfolio????