• 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 U.S.A.
  • 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.

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

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.


This report was posted on Ripoff Report on 11/14/2006 02:10 PM and is a permanent record located here: http://www.ripoffreport.com/reports/certified-recovery-systems/houston-texas-77036/certified-recovery-systems-broke-every-rule-under-the-fdcpa-act-tried-to-take-money-out-o-220571. 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

Click Here to read other Ripoff Reports on Certified Recovery Systems

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#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.
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
Ripoff Report Recommends
ZipBooks Accounting Software

Advertisers above have met our
strict standards for business conduct.