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Report: #297244

Complaint Review: AMERICAN Collection Systems - Columbus Ohio

  • Submitted:
  • Updated:
  • Reported By: Eagan Minnesota
  • AMERICAN Collection Systems 2500 Corporate Exchange Drive, Suite 150 Columbus, Ohio U.S.A.

AMERICAN Collection Systems DO NOT HIRE! Harassment even after documentation debt is not valid. Violated FDCPA after Cease and Desist. Columbus Ohio

*Author of original report: I LOVE your whistle idea!

*Consumer Suggestion: Jeremy, there is NO SUCH THING as a "Cease and Desist" letter in collections / FDCPA.

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He is my complaint letter to them, it sums up their tactics well:

We received a telephone call at 8:39 am CST on 01/05/2008 from your company (Identified as "American" on caller ID with telephone number 614-839-5191).

The "gentleman" on the telephone did not give notice that the call was an attempt to collect a debt. We received NOTHING in writing about this "collection account".

The man began with telling my wife that she "had better pay Chrysler Financial the turn in fee or else". My wife asked him "what the hell he was talking about" and he replied "lady, stop acting like a 5 year old and pay your bills".

I heard this all on a second extension of the telephone and laid in on the man when he degraded, berated and harassed my wife. He got all flustered and told me that we owed "him" money for the car now. I told him to get off my phone because on November 29, 2007 we purchased the vehicle and had a title showing that Chrysler had no entitlement to ANYTHING on it. He said a NUMBER of derogatory things to me and told me to get ready because the calls will be constant.

I then informed him of my VAST experience in collections and my workings with ICON - a non-profit advocacy group that self-finances through pro-bono legal representation of consumers who are being abused by creditors and collection agencies. He laughed and hung up the phone.

I called your company back and spoke with a man who insisted on telling me over and over that I needed to be "professional". I have no "professional" relationship with your company, so that served only to honestly amuse me.

I obtained a fax number from him (614-839-5150) and faxed him a copy of my title showing that Chrysler has nothing to claim. He informed me that he was working "on behalf of Chrysler" and that he was "representing Chrysler". I informed him that we had a written "Cease and Desist" for ANY telephone contact on file with the Account with Chrysler and he informed me that he had no knowledge of it and that it did not apply (which is FALSE considering he identified that he was working on behalf of and as an agent of Chrysler).

This email will serve as a written Cease and Desist against you, as well as any assignees of this "account".

If you have any questions about this email, I suggest you write. If you call, I will pursue ALL legal remedies available to us under Federal and State laws.

I should also inform you that I have reported your company to the Attorney General's office in Minnesota, ICON, The Minnesota Department of Commerce, The Better Business Bureau and I intend to copy this notice to Chrysler Financial Corporate offices.

Do not contact us again. We fully contest this "debt" as false.

-----------------------

This company is NOT one you would ever want to represent your company (unless you want no repeat business, a healthy lawsuit and some clients who now feel that they have a personal battle against you now as a result).

These people are a complete black-hole of incompetience. The have no skills, professionalism and they WILL get you sued.

Hire at your own risk and enjoy all the negative press that you will receive!

Jeremy
Eagan, Minnesota
U.S.A.

This report was posted on Ripoff Report on 01/05/2008 08:43 AM and is a permanent record located here: https://www.ripoffreport.com/reports/american-collection-systems/columbus-ohio-43231/american-collection-systems-do-not-hire-harassment-even-after-documentation-debt-is-not-297244. 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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#2 Author of original report

I LOVE your whistle idea!

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

POSTED: Saturday, January 05, 2008
I went out and bought an airhorn in case these borderline-retarded people call back.

That should blow out an ear drum!

I sent my original stuff certified with return receipt, so I have all of the proof I need. This isn't a valid debt. Once I faxed the d****ebag a copy of my title today to prove it, he suddenly didn't want to talk to me anymore. I guess it is because there was no money in it for him anymore...

Well, he can always go back to surfing underage porn on the net or whatever it is that people of his class and character do when they aren't harassing people.
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#1 Consumer Suggestion

Jeremy, there is NO SUCH THING as a "Cease and Desist" letter in collections / FDCPA.

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

POSTED: Saturday, January 05, 2008
Jeremy,

Proper wording and terminology is absolutely essential when making legal requests. There is no such thing under the law in collections as a "cease and desist" letter. Therefore, your request was invalid from the start.

The EXACT verbage directly from the FDCPA is "CEASE COMMUNICATIONS".

And, the burden of proof is ON YOU when it goes to court for the FDCPA violation to prove EXACTLY what you sent.

This means that you need to send the letter by certified mail, return reciept requested, AND be sure to put the certified# on the letter itself and keep a copy for your records. This procedure is essential.

NEVER speak to a third party collector on the phone! Why would you even do this? It is a waste of time, and will get you nowhere, as you found out. However, if you know you have a real person on the line, blow a load whistle in the ear of the crackhead collector and get the mental picture of the satisfaction of the busted eardrums and blood running out of some crackheads ears.

Works for me.

Then you can pound their fax# with about 150 copies a day of your CEASE COMMUNICATIONS letter. This way, they can't say they didn't get it.

Have fun with these crackheads!
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