Complaint Review: Ocwen Federal Bank - Orlando Florida
- Ocwen Federal Bank PO Box 78058 Orlando, Florida U.S.A.
- Phone: 800-809-3255
- Category: Collection Agency's
Ocwen Federal Bank ripoff - trying to collect phony debt on a closed credit card account Orlando Florida
*Consumer Suggestion: You have rightsIf Ocwen hasn't sent you a copy of your Mini-Miranda" rights
*Consumer Suggestion: Attempt to Validate Debt. Under the Federal Debt Collection Practices Act, you are allowed to challenge the validity of a debt that a collection agency states you owe to them
I questioned her as to what debt she was referring to. Once she said the name of the credit card company, I knew that her facts were incorrect. I knew that this particular account had been paid off over a year ago and I had requested that the account be closed. I immediatly told her that I did not have such an account and hung up.
On Saturday I received two letters from Ocwen Federal Bank. The letters stated that they had been trying to contact me for some time and if I did not comply and send the full payment within 30 days, legal court actions would be taken. I checked my file of letters that I had sent to this credit card company which confirmed payments made, that the account had a zero balance and that the account was closed.
ON Monday, I proceeded to copy the letter and attached a response back to Ocwen Federal Bank informing them that their facts were wrong, they would not receive any payments from me and any further contacts by phone or mail would be ignored. I also had a recent copy of my 3-credit report from the 3 credit reporting agencies. I attached a copy which only pertained to the account in question. The copy showed a zero balance on a closed account with all 3 credit reporting agencies.
On Tuesday,at 9:45 am I received a call at work from a man stating that he was from the 'Federal Bank' once again not giving the full name of the company. The phone number was blocked so when I looked at the phone, it just looked like I was getting a phone call forwarded to me. He proceeded to state that the conversation would be recorded and non compliance would result in legal actions. I asked him what this pertained to, and he hesitated before naming the same credit card company from the previous call I had gotten at home.
I proceeded to tell him that his information was incorrect and that I had sent a letter in response to prove that his information was incorrect. He kept talking and I hung up. Around 12:30pm he called again and once again I could not tell where the call looked like a forwarded call in the office. As soon as I picked up the phone he started telling me that I hung up on him before and that he had talked to his boss who gave him a a recent credit report to tell me that non response would result in reporting this on my credit report. I hung up immediatly. He called back twice after that and slammed the phone down in his ear.
After this I thought I would do a internet search on "Ocwen Federal Bank and scams"i. THis is when I found your Rip-Off report site with their name everywhere. After seeing this, I will ignore any future attempts to contact me via phone or mail. I'm glad I did a search!
This report was posted on Ripoff Report on 03/23/2005 06:16 AM and is a permanent record located here: https://www.ripoffreport.com/reports/ocwen-federal-bank/orlando-florida/ocwen-federal-bank-ripoff-trying-to-collect-phony-debt-on-a-closed-credit-card-account-o-136104. 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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