Report: #220571

Complaint Review: Certified Recovery Systems

  • Submitted: Tue, November 14, 2006
  • Updated: Tue, November 14, 2006
  • Reported By: IDAHO FALLS Idaho
  • Certified Recovery Systems
    6161 SAVOY SUITE 600
    HOUSTON, Texas
  • Phone: 713-4644449
  • Web:
  • Category: Loans

Certified Recovery Systems Broke every rule under the FDCPA act, tried to take money out of my account twice, has not removed the acct from my credit bureau file. HOUSTON Texas

*Consumer Suggestion: Kimberly, the FDCPA only applies to third party debt collectors.

Show customers why they should trust your business over your competitors...

I received a call from Ms. Kandi Moore, very rude indivudual for a collection on a payday loan, I took the loan out for $400 and she claims I owed $740. I paid on this loan for 3 months at 100 every 2 wks. She threatened me that US Marshal's would come and arrest me. I sent her a letter demanding verification of this debt. They sent me the information along with 3 other people personal information including SS# Bank Account Info etc.

I called ms moore back and told her that I would pay the account on a certain date, she told me to go to the internet site to pay for it. I did it and apparently I did it wrong and she just screamed at me and said Are you really that stupid?

The Company tried to take the money out of my account twice, my credit union wouldn't allow them too.
The final straw is their secretary told me its not their responsibility to report payments to the credit bureau's, I can write the credit bureau letters to have the debt removed. These people should be shut down.

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This report was posted on Ripoff Report on 11/14/2006 02:10 PM 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 Suggestion

Kimberly, the FDCPA only applies to third party debt collectors.

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


Payday loan operations should always be avoided. For most people it is a cycle you never get out of, as that is the way it is designed.

Any collector employed by the creditor is exempt from the FDCPA. The FDCPA only applies to THIRD PARTY debt collectors.

If these collectors are employed in-house by the payday loan place the FDCPA may not apply as they would be first party collectors.

Most payday loan outfits do not use outside collectors.

The interest you stated sounds about right for these types of loans. You must have stopped paying if collectors were calling you.

FYI. Most payday loans are payable in full on the following week or next payday, as they are not usually installment contracts. This should have been explained to you and in the contract you signed. $100 every TWO weeks does not go far on a $400 payday loan.

Good luck.
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