• Report: #377240

Complaint Review: F M A Alliance

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  • Submitted: Tue, September 30, 2008
  • Updated: Thu, August 11, 2011

  • Reported By:Rochester New York
F M A Alliance
11811 North Freeway Suite 900 Houston, Texas U.S.A.

F M A Alliance, Bank Of America, FIA Card Services Debt Collection At Its Worst Houston Texas

*Author of original report: Resolved directly with BOA

*Consumer Comment: Jenni,

*Consumer Comment: RUMSFELD BEING SUED POEM...

*Consumer Comment: SCUMSUCKER SONG

*Consumer Comment: The Negotiator is a typical scumsucker illiterate collector masquerading as a human being!

*Consumer Comment: Encore presentation of- TOO BIG TO FAIL POEM

*Consumer Comment: FMA Alliance Sleazy Tactic

*UPDATE Employee: Righteous Indignation

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I have been receiving calls from FMA Alliance as well as other collection agencies since July 2007 on a Bank of America/FIA Card Services credit card I paid off in March 2007. Some of the companies claim I owe half the original balance, others want the full original balance like FMA Alliance does. I tried faxing over paperwork (including letters from BOA/FIA proving the debt is paid off in full) and they continue to assert that I owe the debt, and that I MUST pay THEM directly. They also state that I cannot contact BOA/FIA regarding the debt and that I MUST contact them ONLY. I don't think so!!!

FMA Alliance is by far the worst. They have contacted my family to discuss my debt and my whereabouts, harassed me and called at hours outside of 8am to 9pm, insisted I provide them personal information and not contact my credit card company, and refused to cease contacting me. Today I filed with the Better Business Bureau, spoke with the assistant attorney general in my state who started a file on FMA Alliance, and got a lawyer.

I also spoke with Bank of America and confirmed my account was paid off. I'm sending my letter today to FMA Alliance stating that they are not to contact me, and if they do they will be breaking a federal act. FMA Alliance is just a bully trying to collect on debts that aren't valid, but they won't bully me!!!

Jenni
Rochester, New York
U.S.A.

This report was posted on Ripoff Report on 09/30/2008 08:20 AM and is a permanent record located here: http://www.ripoffreport.com/r/F-M-A-Alliance/Houston-Texas-77060/F-M-A-Alliance-Bank-Of-America-FIA-Card-Services-Debt-Collection-At-Its-Worst-Houston-Te-377240. 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:
1Author 7Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Resolved directly with BOA

AUTHOR: Jenni - ()

This is Jenni. I successfully resolved this matter by requesting a letter from BOA confirming that the debt had been paid off in full, without further obligation to BOA or FMA. I insisted BOA email or fax the letter immediately, and I waited on the phone until I received it... which I did. I then faxed a copy of the letter to FMA Alliance, and they stopped harassing me. I should have followed through with a lawyer and sued them for harassment, but I just wanted to be done! Thanks for following up!
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#2 Consumer Comment

Jenni,

AUTHOR: Karl - ()

Please give us an update to your Ripoff Report when you have time.
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#3 Consumer Comment

RUMSFELD BEING SUED POEM...

AUTHOR: Karl - (USA)

was submitted at this website on August 11, 2011.

Just type in 688603 to see if it is available in the consumer comments section at Ripoff Report #688603.

Don't forget to 'Google' this- U.S. IDENTIFIES VAST MINERAL RICHES IN AFGHANISTAN, and read the related articles on the web.

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY AN ORGANIZED CRIME SYNDICATE WHICH ALSO CONTROLS THE U.S. MILITARY AND ONCE WE TAKE CONTROL OF IRAQ & AFGHANISTAN THE 'BIG-SHOTS' WILL BE ABLE TO PROFIT FROM THE OIL IN IRAQ AND THE LITHIUM IN AFGHANISTAN
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#4 Consumer Comment

SCUMSUCKER SONG

AUTHOR: Karl - (USA)

SCUMSUCKER
(Please sing to the tune of- "Matchmaker")

Anyone can 'Google' this- MIDI FILES SPURIN, and click on 'Matchmaker' and sing the following lyrics to that tune, correct?

Here we go- 1, 2, 3, 4....

Scumsucker, scumsucker
 You aren't so nice
You smell like poo
 Hair filled with lice.
Scumsucker, scumsucker
 Go take a bath
With A200 Shampoo!

Scumsucker, scumsucker
 You have no heart
Brain's filled with mush
 Smell like a fart.
Scumsucker, scumsucker
 You are a jerk
Do you work for Goldmin Sax?

Bugs, bugs, in your hair
 You're a jerk................

(Make up your own words and keep singing!)

Anyone can 'Google' this- A200 SHAMPOO, and go to the related sites to learn more about it.

Don't forget to stay at this website and type in 529757 and go to 'Consumer Comment #24' at Ripoff Report #529757 and read- "GOLDMIN SAX POEM".

Thank You

POWER TO THE PEOPLE


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#5 Consumer Comment

The Negotiator is a typical scumsucker illiterate collector masquerading as a human being!

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

Obviously The Negotiator is another lowlife scumbag bottom feeder collector who feels he can lecture and abuse people.  Guess what,you d****ebag?  YOU ARE WRONG!!!!!

If you actually read the OPs report, and I can see by your officious and snotty tone that you didn't, SHE ALREADY PAID THE DEBT!  She has letters from both Bank of America and FIA, which are only released to the debtor when the debt is paid in full.  She has faxed over said proof more than once, yet the jagoffs of FMA insist that she owes it when the OPs proof is exactly the type ofproof that would stand up in court.  That was very smart of her for keeping the proof- especially with d****ebags like you out there preying on people who don't know better.

Even if she did still owe the debt, which the OP clearly DOES NOT, you, as a collector still have to operate within the confines of the FDCPA.  You cannot do certain things that thie company has tried to collect on a debt that has already been paid.  Among those are...

1. Calling before 8 am or after 9 pm  (FDCPA violation #1)

2. Not ceasing communication when the OP has communicated that (FDCPA violation #2)

3. Harassed the OP (FDCPA violation #3)

4. Discussing the debt with a 3rd party when they already have her location information (FDCPA violation

    #4 and a huge no-no because it violates many privacy laws as well as decency.)

What the OP needs to due is sue the scumsuckers at FMA- each violation of the FDCPA is $1,000 per violation.  Not only that, those bastards will also have to pay her attorney's fees.


If the OP is interested,I know a great attorney who handles these kinds of cases.  Her nameis Susan Schneiderman and her information is available on the internet.

Don't get mad at these scuumbag lowlifes. Get paid!

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#6 Consumer Comment

Encore presentation of- TOO BIG TO FAIL POEM

AUTHOR: Karl - (USA)

TOO BIG TO FAIL POEM

Too big to fail
Too large to fall
Scam every person
Short fat and tall
Too big to fail
One giant scam
Bankers are greedy
Tell Justin and Pam
Poem is over
Check's in the mail
Death sweeps performed
Too big to fail.

End.

"TOO BIG TO FAIL POEM" was originally posted at this website on March 22, 2011. Anyone can stay at this site and type in 709125 and the poem appears as 'Consumer Comment #1' at Ripoff Report #709125.

Thank You

WELCOME TO THE BANKING SYSTEM IN AMERICA- WE HAVE TAKEN OUT $120 BILLION IN 'SECRET LIFE INSURANCE POLICIES' ON OUR CURRENT & FORMER EMPLOYEES, AND BANK OF AMERICA HAS $17 BILLION IN THESE POLICIES, WELLS FARGO ALSO HAS $17 BILLION, & JP MORGAN CHASE HAS $11 BILLION
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#7 Consumer Comment

FMA Alliance Sleazy Tactic

AUTHOR: kenj - (United States of America)

I woke up with a robo call from FMA Alliance on my answering machine this morning for someone I'd never heard of before.

It stated "if you continue to listen to this call, you acknowledge that you are ...Brian ...Slater". It then talked about some kind of settlement.Of course it was my answering machine that continued listening, not me or anyone else.

Apparently, this is how they want to claim they've fulfilled their legal obligation to contact someone, via a robo-call that leaves messages on other people's answering machines.






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#8 UPDATE Employee

Righteous Indignation

AUTHOR: The Negotiator - (U.S.A.)

COLLECTION CALLS CAN BE QUIET ANNOYING. THEY CALL YOUR HOUSE AND DEMAND MONEY IN TODAY'S ECONOMY. THE NERVE OF THESE PEOPLE, EXPECTING PEOPLE TO PAY THEIR DEBTS WITH GASOLINE PRICES THIS HIGH AND THESE ADJUSTIBLE RATE MORTGAGES. THAT IS INSANE. ON THE CONTRARY IT IS NOT INSANE, IT IS THE RIGHT OF CREDITORS AND LENDERS TO HAVE THESE DEBTS PAID. FMA COLLECTS EVERYTHING FRON MEDICAL BIILS TO STUDENTS LOANS TO RETAIL ACCOUNTS AND CREDIT CARDS. THE VAST MAJORITY OF COLLECTIONS IN FMA IS RETAIL ACCOUNTS AND CREDIT CARDS. THAT LEAVES ME TO WONDER HOW CAN ONE HAVE THIS RIGHTEOUS INDIGNATION THAT IS COMMON AMONGST PEOPLE WHO OWE DEBTS, NOT FOR EMERGENCY MEDICAL PROCEDURES THAT WE NEEDED BUT ARE NOT FULLY COVERED BY INSURANCE, BUT PEOPLE LIKE THIS WOMAN WHO HAVE DEBTS TO BETTER THEIR QUALITY OF LIFE AND THEN DIDNT PAY. DEBTS TO BEST BUY AND LANE BRYANT AND WHITEHALL JEWLERS AND EXPRESS AND THE GAP ARE COMMON IN MY OFFICE AND OFTEN GO UNPAID. MY QUESTION IS THIS, WHY TAKE OUT THESE TYPE OF LINES OF CREDIT IF WE CANT SUSTAIN THEM. THE ANSWER IS, WE ARE SO SHALLOW AND DESIRE INSTANT GRATIFICATION THAT WE WANT TO LOOK GOOD AND FEEL GOOD AND DRIVE GOOD NOW, EVEN IF WE CANT AFFORD IT. BILL COLLECTORS HAVE BEEN MADE TO BE THE DECAY OF SOCIETY. THEY HAVE BEEN PAINTED AS RUDE, EVIL, AND HEARTLESS PEOPLE. ALL BILL COLLECTORS ARE NOT EVIL AND HEARTLESS PEOPLE WHO DONT CARE ABOUT PEOPLE, ON THE CONTRARY THEY EVERY DAY PEOPLE. WHEN A COLLECTOR CALLS YOU AND YOU TELL THEN YOU CANT PAY BUT HAVE THE HIGHEST CABLE PACKAGE ON THE HD PLASMA TV THAT YOU BOUGHT FROM BEST BUY WEARING THE DIAMOND EARRING THAT YOU BOUGHT FROM WHITEHALL IN THE TRENDY OUTFIT FROM THE GAP, THAT LEAVES THEM SLIGHTLY CONFUSED. SOME COLLECTORS ARE VERY AGGRESSIVE AND ACT AS IF YOU OWE THEM THE MONEY, BUT THAT IS NOT THE CASE WITH ALL. MOST PEOPLE IN COLLECTIONS ARE AWARE THAT THERE BILLS ARENT PAID BUT HAVE THIS RIGHTEOUS INDIGNATION AS IF THE GREATEST COMMANDMENT WAS BROKEN WHEN CALLED TO PAY THE BILLS THEY RIGHTFULLY OWE. NOW THERE ARE CASES WHEN PEOPLE HAVE PAID DEBTS BUT ARE STILL BEING COLLECTED ON, SYSTEMS ARE PERFECT BUT PEOPLE ARENT AND MISTAKES ARE MADE, BUT THAT IS NOT TYPICALLY THE CASE. COLLECTORS HAVE OFTEN TIMES BEEN GIVEN THE BLAME FOR THE FINANCIAL WOES OF THOSE IN COLLECTIONS. COLLECTORS ARE NOT THE CAUSE THEY ARE THE COMFRONTERS AND ARE MERELY REPRESENTING THE PEOPLE THAT THEY COULD HAVE PAID IN A MORE AMICIBLE ENVIRONMENT ON A VOLUNTARY BASIS. I WILL NOT EXCUSE THE POOR TREATMENT AND LACK OF PROFESSIONALISM OF SOME COLLECTORS NO MORE THAN I WILL THE RUDE TELLER AT THE BANK OR THE UNPROFESSIONAL CASHIER AT THE LOCAL WALMART. THERE IS NEVER A LEGITIMATE REASON TO TREAT SOMEONE WITH DISREGARD AND DISRESPECT. BUT I DO KNOW THAT THERE ARE SECURITY MEASURES AND SAFEGUARDS IN PLACE THAT RPEVENT CALLS FROM BEING MADE PRIOR TO OR LATER THAN THE TIME ALLOWED BY THE FDCPA. IN THIS CASE THE WOMAN SAYS SHE SENT PROOF, IN THESE CASES THE INFO IS REVIEWED AND THE ONLY REASON SHE WOULD STILL BE GETTING CALLED IS THAT THE INFO RECEIVED BY FMA DIDNT SUPPORT HER CLAIM OF PAYMENT. COLLECTORS CANT USE CANCELLED CHECKS, THEY NEED PAID LETTERS THAT CLEARLY STATE EITHER THAT THE ACCOUNT HAS BEEN SETTLED OR PAID IN FULL. I HAVE A SIMPLE WORD OF ADVICE, IF YOU DONT WANT COLLECTION CALLS
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