Report: #903558

Complaint Review: Capital Accounts

  • Submitted: Wed, June 27, 2012
  • Updated: Tue, March 05, 2013
  • Reported By: Melissa — Parsippany New Jersey United States of America
  • Capital Accounts
    PO Box 140065
    Nashville, Tennessee
    United States of America

Capital Accounts The last few weeks I have been contacted by Capital Accounts regarding a debt that I was not aware about. I am not one to not pay my bills so when I was reached by a collection agency In the time that Nashville, Tennessee

*Consumer Comment: contact a lawyer

*Consumer Comment: Ashlee missed you babe

*Consumer Comment: Doing it the wrong way

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The last few weeks I have been contacted by Capital Accounts regarding a debt that I was not aware about. I am not one to not pay my bills so when I was reached by a collection agency I was clearly shocked. In the time that I have dealt with Capital accounts the agency has done nothing short of violate my rights as a consumer with harassing calls (including two by place of employment without authorization) as well as threating me.

I have tried to resolve this matter as best as could and have not gotten any pertain able information regarding my debt. The dental office that my debt was with said they had sent me several bills which I had never gotten. At the time of the services, I issued my own personal check for about $500 or $600 to pay some of the bill and the remainder the dental office was going to put it through insurance company to see what they would cover and she would sent me a bill if there was a balance. However, no bill was issued to me and during that time I moved. Apparently I never received the bill that was mailed to me and the dental office said that it is not in their practice to call people regarding bills.

The dental office then forwarded the bill to Capital Account. The first couple of calls were very vague. No information was given and I asked to see a copy of the bill and charges. Nothing was mailed to me nor emailed so I called the dental office directly which is where they said the amount was $650.  I then called back Capital Accounts and spoke to a woman by the name of Ms. Hampton who said she would get back to me with some information.  She called me back on 06/21/2012 and said that the amount I owed was $1101.50 (almost double the originally bill) but that they would take $980 if I paid immediately and they would expunge it from my credit. I was very confused how they can just factor numbers so I asked her to send me something in writing pertaining to the charges. Nothing was emailed to me. On 06/25/2012, less than 2 business days after I talked to Ms. Hampton I received a call at my place of employment during work hours. I did not authorize this in any way and could have jeopardized my job. She proceeded to tell me I have until 06/27/2012 to pay this bill or the deal was off. I asked her just to please email me something in writing and break down of what I owe and she responded she did. SHE DID NOT. I check my email every day and nothing was sent. I provided her with another email.

I did receive the email. It was a 3 sentence paragraph that said you owe 1101.50, we will take 980 and expunge it off your credit, please pay by 06/29/2012. That is an improper way to collect a debt. I needed a break down of the charges, the prior bill from the dentist and any other pertaining info. I tried to respond to the email but it was not an open email address. I called back Capital Accounts and Ms. Hampton said they did not give out their emails because they are not permitted to get incoming emails. Made no sense. So I asked for a fax. I faxed a letter stating am I not refusing to pay but that under the Fair Debt Collections Practice I was entitled to information concerning my debt, simple things to protect me as a consumer. I asked to know what the debt was for, how they calculated what I owed, any papers and bills pertaining to the debt.

I called back Ms. Hampton and she said she never got the fax and that she needed to talk to the admin department. I called her back a few minutes later and she directed me to her supervisor Adam Hall.  This man degraded my knowledge and made me feel completely violated. Not only did he hang up the phone on me. He refused to answer any question I had and said what exactly are calling for and threatened me with things like good luck getting this off your credit report. He was completely disgracefully rude
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This report was posted on Ripoff Report on 06/27/2012 08:18 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

contact a lawyer

AUTHOR: Emily Y - (United States of America)

As a consumer, you are entitled to file a lawsuit against any debt collector who violates your rights under the FDCPA. In short, the FDCPA allows a consumer to recover their actual damages, statutory damages of up to $1,000 and their attorneys fees and costs. While this may seem like a modest amount, to debt collectors who violate the law there is much more at stake: increased insurance rates, decreased collection rates, potential governmental regulatory action, and the spiraling costs of defending a lawsuit for their illegal conduct.

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#2 Consumer Comment

Ashlee missed you babe

AUTHOR: The Outlaw Josey Wales - (United States of America)

 Where have you been, can't let the guys take over, LUV U
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#3 Consumer Comment

Doing it the wrong way

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

When they contacted you they should have mailed you a letter also. By law, you have 30 days to contact this debt collector and dispute the debt. At that point you can request validation of the debt, they will have to mail you the paperwork proving you owe the debt. You cannot do this by phone, email or fax.

If it has been greater than 30 days from their first letter then the debt is considered to be valid and they don't have to do anything to prove the validity of the debt to you. You can still dispute it on your credit report though.

What you need to do is to write a letter requesting validation of the debt, there are several websites that offer example letters for free. You need to send this letter certified mail to the debt collector so that you have proof they recieved it. if they do not validate the debt, then you do not owe the debt. As for contacting your employer, I believe they legally can contact your employer without permission. If I remember correctly you have to tell them they cannot contact your employer, they don't have to seek permission first. You can also mail them a letter, again certified, requesting that they do not contact you or anyone else about this debt by phone and that you only wish to be contacted via the postal service.

Hope this helps.
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