• Report: #230871
Complaint Review:

1st Credit Of America

  • Submitted: Tue, January 16, 2007
  • Updated: Tue, January 16, 2007

  • Reported By:So Prairie Washington
1st Credit Of America
300 N Elizabeth St #2?? Chicago, Illinois U.S.A.

1st Credit Of America Harrassing calls, fraudulent billing, Chicago Illinois


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I got a letter from my credit union telling me that this credit card company is trying to take out $159.00. I never ordered and new nothing so I contacted them. They informed me that I did so!!! So I contacted the police and filed a idenity theft which I sent the incident # to the card company. This was in April of 2005.

They have called me several times periodically over this time which I have told them I will not pay for something that I don't want, and didn't order. Since they have my ss# and address, they said it definately was me using my computer on the internet. That is funny.

They are loud, don't listen and very harrassing. They seem to call at least 10x a day now. I have reported this to Federal Trade Commission, BBB, AG in Washington and Illinois as well as the FBI as I am really sick and tired of their abuse and calls not to mention their threats. I do not take to kindly to that kind of stuff.

I have noticed that some have asked what 800-293-1486 is, it is 1st credit of america. They have caller id so they know the name that comes up and has your file in front of them even before you talk. They told me that if I don't pay this bill, they are going to turn it over to the crdit Bureau to hurt me. They also said that I had wrote them a check, however, they can't produce the proof of one.

My credit union showed me that they tried to debit my account 5 times in a couple days and now they say that I wrote them a check. Go figure. Right hand doesn't know what the left hand is doing, but mine do, hahaha.

It seems to me that they have a few different addresses as well. I have found the 300 N Elizabeth, but the suite changes, on the phone I was told, suite 20020b, I have found on switchboard.com I found suite #220e, I have seen 220b and a few others.

I have also seen the name of First credit of america, not sure if they are one in the same, but things do point that way. Talk about problem children, WOW.

I am also turning this into the local tv stations here, doubt anything will happen, but it is worth a try.

So Prairie, Washington

This report was posted on Ripoff Report on 01/16/2007 03:20 PM and is a permanent record located here: http://www.ripoffreport.com/reports/1st-credit-of-america/chicago-illinois-60607-1143/1st-credit-of-america-harrassing-calls-fraudulent-billing-chicago-illinois-230871. 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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#1 Consumer Suggestion


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

You need to put everything in writing to this company telling them to validate the claim and to cease trying to get money from your credit union. At least your credit union is good enough to realise something is amiss... Send the letter certified return receipt requested with the cert number on the letter. do not sign the letter since they may forge your sign on documents. simply type your name ...

here is some additional info ...

1st Credit of America LLC
300 N Elizabeth St
Suite 220B
Chicago, IL 60607
Telephone: (866) 505-2632


File Open Date: June 2004
TOB Classification: Collection Agencies
BBB Membership: This company is not a member

UNSATISFACTORY RATING of complaints and unanswered complaints. Consumers allege company representatives call consumers multiple times daily, at home and/or at work when specifically told not to. Consumers allege that company's collectors are rude, and/or swear, and belittle the consumers, as well as hang up when consumers attempt to obtain additional information. Consumers likewise allege that when asked to substantiate allegedly owed debt in writing, company representatives refuse to do so and/or insist the consumer pay alleged debt immediately with no verification of debt.

Many consumers also state that the company makes calls to parties who no longer live at given address and allegedly refuse to take incorrect and/or invalid phone numbers off of their lists. Consumers further allege that 1st Credit of America representatives tell them that their wages will be garnished, and/or that they will go to jail, and that representatives do not verify and/or accept updated information when it is provided by the consumer. In many cases consumers state that they have filed for bankruptcy and were on a specific payment plan, but upon having presented this information to company's collectors, the information was rejected and/or consumers continued to be contacted.

On August 7, 2006 the Better Business Bureau sent a letter to 1st Credit of America, LLC requesting a written explanation from the company in regards to the company's pattern of consumer complaints. As of today, 1st Credit of America has failed to respond to this request.
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