• Report: #1014523

Complaint Review: United Collections

  • Submitted: Thu, February 14, 2013
  • Updated: Mon, February 18, 2013

  • Reported By: Ademra31 — stone mountain Georgia United States of America
United Collections
internet, Washington United States of America

United Collections United collection agency blatantly violating FDCPA and spreading lies about its customer internet, Washington

*Author of original report: update on UCB illegal practices

*Author of original report: update on UCB illegal practices

*Consumer Comment: Collection Agencies Are Becoming More Ruthless.

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I took out a payday loan in August 2012 and after about 6 consecutive payments fell behind again and nonetheless stopped paying on the loan. Bad girl I know. Fast forward to February 2013. I start receiving numerous daily calls from an anunknown number which I didn't answer. Finally a message was left from a Mike (Privino)?? Last name not sure because he said it so fast and mumbled he couldn't possibly expect anyone to understand it. He says my full name and gives a case number which includes the last 4 of my ssn! He the proceeds to say how they re filing a case in court and know where I work and its in my best interest to resolve it asap. He then said they had several cases against me that stemmed over several months and I was committing fraud. He said all this on a general voicemail that didn't even identify me.

I immediately called the number he left and and asked the rep what the name of the company was and what they did. She said they call for all types of things and she needed to look up my account to see where to send me. I gave it to her and she said she couldn't find it. I explained that my name and part of my ssn were used in a very threatening message from this company and them not having my suspected account didn't make sense. She put me on hold for 5 minutes then a male comes on and takes the account number again. He repeats that it must be a mistake to which I play the message for him that I received. He immediately goes into basically repeating the message saying they had a case against me. I ask the guy is he seriously retarded. They have yet to explain to me who the heck they are and what case they have against me and they just claimed they didn't have my account then when he hears the message he dives right in to trying to collect,. He finally quickly says they are calling in reference to a pay day loan.

Now I work for a collection agency and immediately knew that this company was off its rockers to allow its employees to collect a debt in this manner. #1 they left a very detailed message about a debt a general voice mail that didn't identify me by name. Collection agencies can't do that. #2 they pretended to be affiliated with a court or police agency and threatened to come to my job. For what. Its a payday loan. They can't arrest me they can't garnish me and even if they wanted to it would have to go to court. the have no affiliation to any enforcement agency. #3 they are lying saying I committed fraud simply because i didnt pay a debt. I took this loan out with my name my ssn my bank info. Where is the fraud,, #4 when I called them they never once gave me the required mini miranda which states they are a debt collector attempting to collect a debt. I ended the conversation and do you know they calle permission d me 5 more times hanging up after it rang twice each time. I immediately googled them and saw all the horror stories about this travesty of a company. Employees outing each other in public online. Upper management chiming in to expose a former employee. Even going so far as to put the person's phone number and address on this very site. This company and its employees seem to have no morals or ethics whatsoever. Its disgusting.

Fast forward a few days, I'm gathering my evidence which includes the voicemail and what happened when I call and my ex mother in law calls me out the blue. She tells me she has received a very scary message from a man looking for me saying I am avoiding him and committing fraud and I need to call immediately. I haven't spoken to this woman in years and obviously wouldn't use her as a reference in a loan application so they are calling nearby s which I believe also violates fdcpa. You can't discuss debt with a 3rd party without from the borrower. Then this whole fraudulent thing they keep saying. The audacity. I plan to sue the pants off this worthless company and everyone there who is doing this horrible shady collecting should be fired.

This report was posted on Ripoff Report on 02/14/2013 06:57 PM and is a permanent record located here: http://www.ripoffreport.com/r/United-Collections/internet-Washington-/United-Collections-United-collection-agency-blatantly-violating-FDCPA-and-spreading-lies-a-1014523. 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:
2Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

update on UCB illegal practices

AUTHOR: Ademra31 - (USA)

Hey all, as I promised I am not letting up on this so there will probably be daily updatess. Today I googled them again and found out the following:

Harold "Sam" Rickard - Owner
Sanju Sharma - CEO
Michael Karosas - COO
Joan Overcashier - CFO
Mark Beirdneau - CIO
Dawn Balduf - VP of Receivables

I am personally emailing and handwriting all 6 of these people a detailed account of what the employees at this "collection agency" have done to me. I expect for them to respond promptly but I will of course let you know if they don't.
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#2 Author of original report

update on UCB illegal practices

AUTHOR: Ademra31 - (USA)

So I called United today to try and obtain more information about this debt and to also advise them that after todays communication to cease all further communication with me. I spoke to a very rude, sarcastic idiot name Matthew something. HE again never read me my mini miranda and argued against every word I said to him He interrupted me and called me names the enitre 4 minute conversation (which I got on tape, YES!!!! ))). Still no mention of the debt, how much is owed, nothing. I told him he had no right to call me at work, my cell or any family members and he SCREAMS into the phone that I dont know what im talking about, im not a lawyer, im a nobody and slams the phone in my ear!!! YES this is 100% the truth!!! I immediatley call back and ask for the CEO's name and #. This same uneducated idiot gets on the phone and tells me he has me on tape harrasing 4 of his employees!! Outright blatant lie. I havent even spoken to 4 people!! Only him and the person I originally spoke to when I called about the message that was left on my cell phone. How the hell am I harrassing employees when I am calling for more information in reference to MY DEBT?!?!? I begin to tell this piece of s*** that I am no longer intersted in going back and forth with him and again request the CEO name and number. HE refuses 3 more times before finally giving me the name of Michael and a # of (678) 867-5309. He refuses to give me a last name and tells me to look it up myself. This # he gave is a  local # here in Atlanta which leads to a voice recording saying I have reached a disconected #. Keep in mind this # is NOT disconnected, its not an operator saying this, its a normal male voice. Then the operator comes on saying the voice mail box is too full to leave a message!!! They actually have a fake phone # already set up they give out to people who request  a manager or CEO!!!!!! Again this is a real # with a male (an employee or owner of the company im sure) saying its disconeected. It is probably filled with angry mesages and complaints by other abused consumers like myself. It just gets worse and worse. I dont know wheter to laugh or cry. They are so ruthless with their vioations like they could care less and like they alreday know they will get away with it. Well they have the wrong girl this time. I will fight this tooth  and nail EVERY SINGLE DAY until a resolution that I am satified with occurs. UNITED COLLECTION BUREAU BEWARE, YOU HAVE MET YOUR MATCH!!!!!!!!!!!!!!!!!!!!!
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#3 Consumer Comment

Collection Agencies Are Becoming More Ruthless.

AUTHOR: Jack - (United States of America)

I had an apartment debt I was disputing when I broke my lease and the apartment tried to charge me more than what I owed. The apartment community immediately sent my debt to collections (ProCollect) here in Dallas, TX and then they put it immediately on my credit report in days after I moved out. Very quick. They didn't give me a chance to dispute or pay it.

Well, ProCollect started calling my out of state elderly parents and threatening them and harrassing them. They would call numerous times and either hang up or ask for me and when she asked who was calling they would lie and say they were a temp agency. She is with AT&T and she was able to trace the calls right back to them. I filed a complaint with the state's attorney general office and the manager from ProCollect lied like they had never called. But my mom has her phone records proving they did. My parents never cosigned for me. They were my emergency contacts on my application only.

Well, fast forward several months and I got a phone in my  mom's name. My mom doesn't owe anyone. Well, as soon as the phone became active I started getting harrassing calls from a collection agency. The phone wasn't even in my name but somehow they had started tracing my mom's whereabouts as well as mine. Probably other family members too. They don't care. They will harrass anyone now. They will harrass your siblings, parents, aquaintances, and I once heard a man say his neighbors were being harrassed. They do this to both try to humiliate a person into paying and frighten them into paying. These people don't care.
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