Triad Financial - Chase Receivables - Syncom - Mercantile Adjustment Bureau Ripoff on already paid account, fraulent billing Huntington Beach California

If you have a letter stating the debt is settled, your attorney should have no problem winning a judgement against the collection agency you spoke of last. Per FDCPA, that collector had several violations. You can usually win a pretty hefty judgement against a dirty collection agency. Plus, if you win a civil suit against a agency, they lose their license in that state for a period of time, so not many collection agencies are going to allow it to go to that extent. They will usually offer you a settlement way before hand. What I would suggest for future reference is to record the phone call when speaking with that specific agency. Then, instead of hiring an attorney, go down to the courthouse & file a suit against the agency yourself. You must first know what fdcpa laws that broke, so you must read the fdcpa, & sometimes it is better to get an attorney to deal with it if they are out of state. Secondly, as you can understand, bill collectors get lied to all day, everyday, so many are not going to believe you have already paid the bill, because people say that all the time who haven't actually paid the bill. So if you do have a letter in writing saying you owe zero dollars or it is a settlement letter & you can prove through bank statements or receipts that you paid the bill by said settlement date, fax copies to the collection agency & the creditor. If they still refuse to honor the settlement that you paid. File a civil suit against both the collection agency you settled with, the current collection agency harrassing you, & triad. Most likely all 3 will wake up & most likely offer to make you go away with your suit, but you honestly have it coming for what they have done to you. My wife is a current employee of syncom idaho, & they are on the up & up. The reason they probably stopped calling you was because you informed them you settled, its a company policy there that it be referred back to the client (triad) when someone has proof something has been paid. Only creditors can pull things off your credit or show it as paid, not the collection agency unless they in fact bought the debt from the creditor, which they must inform you of if you ask. Hope this is helpful, but these kinds of things are all my wife talks about when she gets home, so i have a pretty good idea of how it all works.

My lawyer has already taken care of this account they have also provided a copy of the settlement receipt to Mercantile Adjustment Bureau from Chase Receivables and the account has been changed on my credit report as paid in full for a lesser amount which my lawyers are also changing. As I have told you before my lawyers suggested that I do not try and explain to Triad any longer that I paid the account for a settlement amount in January of 2005 or talk to anyone else about the account. Thank you for trying to help me after the fact of frustration but no thank you. Triad should try to look into who they give the accounts to collection first to see if they have been paid before having someone to harrass anyone. They should keep better track of their business. Customers should be very important to all businesses.

Melita, I apologize for mis spelling your name in my previous rebuttal. Anyway, I would suggest that if you haven't already, give your attorney this web site, and have him/her read the other posts. Keep going strong with your attorney. You will prevail. Good Luck to you.

Melita,
Please contact me directly to review your account.
(800) 587-4230 ext 22769

Or you can e-mail me at:
dcortes@triadfinancial.com


Deana Cortes
Legal Management Supevisor

Ms. Cortes, I have already contacted Triad Financial and they connected me to the Legal department who was suppose to look into the matter. I was still being harrassed after the fact. I have now gotten my lawyer involved and she suggested that I talk to no one else about the matter. The way I was treated I'm going to follow her suggestion. She has a copy of everything regarding the situation and will handel my case for me.

I noticed the Legal Department at Triad is trying to dig themselves out of a hole once again. It is quite pathetic that people have to post their complaints on Rip-off to get any thing done. This company was intorduced to rip-off by me. I don't know what they did with Sergio, but wherever he went he passed on the importance of replying to the Traid victims from this forum. IF you decide to call this "Legal Department" clown, make sure it is in writing, take everything verbal from them with a grain of salt. They will lie and decieve you anyway that they can. I would also suggest anything in writing from them be looked at by an attorney. Believe me, the few extra dollars you pay to an attorney will be well worth it. Like I said, Get EVERYTHING in writing. Keep us posted. Good Luck, and welcome to the Traid victims list.

Melita- Please allow me to review your acccount.
My name is Deana Cortes and I am the Legal Management Supervisor. You can contact me at (800) 587-4230 ext. 22769.