A letter claiming to be from a collection agency owing $1600 to ATT?
3 years ago
last modified: 3 years ago
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How to stop a creditor from calling every day
Comments (25)I can tell you my experince with a collection agency... I'll pass the word around on this one about the "Credit Bureau of San Luis Obispo & Santa Barbara Counties". Do fall for this trap; this is a scam collections company. Credit Bureau of San Luis Obispo & Santa Barbara Counties 1666 Ramona Grover Beach, CA 93483 Beware of them threatening you about your credit report and what they will do with it. Report them to the Federal Trade Commission and also on the do not call list with the Federal Communication Commission. Ask them to stop calling or cease communication, noop, they will do what they please and call you when they like and continue doing it to harass you. If The Credit Bureau of San Luis Obispo & Santa Barbara Counties has your account dispute the account, do not pay them a dime; if there is a settlement offer, get it in writing and if you pay, pay with a money order and sent it certified mail only. I repeat do not send them any money, they cannot be trusted. They will harass you to the point of pain and they use fake names by lying over the phone. They claim they are looking for work or a business opportunity to send you something in the mail, like a prize or something to trick you. Also do not sign any certified mail from them and if you send anything to them, certify everything you mail out. Send a copy to the Attorney General and the Federal Trade Commission as well to your State and Federal representative. Your credit report, they notify the credit reporting agencies false information about trying to locate you when there is no verification. If you see inquires on your credit report, report this matter with the Attorney General and contact a lawyer. They will mark allover your credit report, so please watch your credit report for anything misleading. Beware of their lawyers; they will serve you at addresses you dont live at as well. They want that judgment so they can take everything they can get from you, that is what they do. Live in a different country, you may find out they served an address you donÂt live at and won a judgment lying to the judge of that address. These are part of the tactics they do. Giving your Visa number or check number over the phone, they can take more than disputed out of it. DonÂt trust The Credit Bureau of San Luis Obispo & Santa Barbara Counties as these people are very hard to deal with. They want your banking routing number, this is a trap, beware of this method. Also your home address, they will use tactics to get their money, so always use a PO Box and money order, with all collection agencies and always certify your mail when sending your money. You need to document everything; these people will call people searching for money or your location information. If you write to them, do expect any written correspondence, they do not write back. They do not tell you their polices either, they will tell you, you have no business knowing about their policy's is what your hear from them. The more you ask the ruder they get with you. Also they monitor their calls; even if they donÂt tell you this beware they are recording everything when they call to reach you. I found this collection agency on the bad customer service list and reports about them online. If you have an issue with this company please notify the Better Business Bureau and file a complaint. They use bad business practices and no one should have to deal with agencies like this. They do not listen to the people they collect from, even there is enough information their client is wrong, they want they 40% commission or more. They also lie to credit reporting agencies and provide false information on your credit report, they do this to harass you and they will not settle. You deal with "Credit Bureau of San Luis Obispo & Santa Barbara Counties"; you have to deal with a crooked collection agency. Beware who you write to, to complain about this collection agency because they will misinform them that your wrong and they have a reason to collect regardless of the dispute with they're client, even if they're client requests to pull the account off the record, they want their share regardless. Beware if you file a report with the American Collectors Association Inc, they will lie to them on a response if you file a complaint, so please make it on your list that they need to be informed to other agencies in State and Federal government about this crooked collection agency. These are other agencies they are apart of: Consumer Data Industry Association (formerly: Associated Credit Bureaus, Inc) Arroyo Grande Chamber of Commerce Santa Maria Chamber of Commerce San Luis Obispo Chamber of Commerce Grover Beach Chamber of Commerce...See MoreCollection calls looking for our neighbors?
Comments (27)We currently have Verizon Wireless - it was the only one that had reliable, totally clear coverage inside our house, in DH's office at work, and at DH's best friend's house waaaay out in the boonies. DH had AT&T at our old house because they had the best reception there (and the Really Really Kewl Phone that he got to keep when he left his previous employer only worked on AT&T), then we moved here and he had to go outside to get one bar with a lot of static - rain or snow, NO reception! I had a Sprint phone that was all right at the new place, a little hiccuping and echoing but not bad, but they were doing hinky things with the billing so when my contract expired I was happy to bail. Cost us two hundred bucks to get out from under AT&T though, even though his phone was unusable at home OR work. Their whole attitude: "not our problem!" But, YMMV, big time. It's a good excuse to invite your friends to come to your house, feed them dinner or a snack and try out their phone reception! LOL (As well as asking folks at work, school, whatever for what companies have the best reception there, for additional info.) I think I've let my cell run dead maybe once since I first got one seven or eight years ago. Just habit for both of us to plug in when we get home. When we had that huuuuuuuge ice storm a year or so ago, most of our friends "topped up" their cell phones with their car chargers, just by sitting in the running car listening to the stereo for 15 minutes or so - but we could still make calls! I remember it well, because we were the only people in our social group who had power and heat (nice living 2 blocks from a hospital LOL) and it was Grand Central Freakin' Terminal at our place for a week with people coming by to warm up, leave their pets, take showers, wash clothes, you name it. The people who lost power here also lost POTS, for the most part. Oh, and my phone (Samsung Flipshot, which I hate) and DH's LG Dare both have GPS locator whatchamacallits that tie into E-911 systems. According to the E-911 info from our city, on average the cell-phone based GPS locators can get to within 50 meters when activated by the E-911 system. (Yes, it can be turned off.)...See MoreWho's to Blame for the Mortgage Mess? Banks, Not Homeowners
Comments (46)Berniek is right: Much of the blame here falls upon the shoulders of the politicians (led by then-President Clinton), who forced banks to begin some rather foolish lending practices. Alan Greenspan certainly did his share to push this concept of "everyone can borrow" during his time as Fed chairman. Between creative financing, no money down offers, and other such options, the government has given people plenty of rope with which to hang themselves. We Americans haven't proven ourselves to be particularly strong in the moderation and self-discipline categories over the last 30-40 years. Also, remember the climate that existed in the 90s, when I bought my first house: Spurred on by the soaring housing prices, people were convinced that buying "as much house as you can afford" was a good move. Housing was considered an investment that couldn't fail. Yes, the experts began preaching about "the housing bubble" long before it hit, but the masses couldn't grasp how this sure-thing could ever fall. And there's always been a (faulty) basic belief that "If I couldn't afford it, the bank wouldn't lend it to me." I fully agree with those who say that Real Estate agents will push buyers to their upper limits and beyond, and banks will lend what they can -- it's all about profits for them. Yet, the home owner DOES also bear the brunt of personal responsibility. After all, who cares most about whether I can afford my mortgage -- and still buy groceries and other things I need? Clearly, it's ME! I reap the rewards or punishments of my decisions, so I should do the math and know whether I can comfortably afford a house (or anything else) before I buy it. However, we've sort of left that thinking behind in today's buy-now-pay-later society. We're constantly told that "we deserve" this or that thing. That if we're going to finance it, we deserve to have exactly what we want. That "everyone" has debt. We've got to get past that....See MoreModern life.
Comments (18)It's not just medical bills, insurance, credit card companies and collection agencies -- those are the symptoms. The disease is greed. Think how much better off the United States would be if real people (from this country) were employed to prepare your bill, answer the phone, resolve your problem? Instead, companies these days don't give a rat's behind about providing good customer service. Especially in the medical industry -- they don't have to. We're all trapped in a system that was sponsored by corporations, designed by think tanks and sold to your congressmen by lobbyists, wherein choice of provider has been stripped from us. Push One if you'd like to get screwed. Push Two if you'd like to get screwed further. Push Three if you'd like to complain about it ... but really, don't bother because the only threat you've got left is going out of network and in that case ... Push Four for a recommendation to a bankruptcy attorney. Sorry, that wasn't nice. Can you tell I'm a little sensitive about this? I've picked on the medical industry but it could be anything -- how about shoes? Remember when you went to the local shoe store? The guy who owned the place was likely the same person who chose the inventory, measured your feet, and rang up the sale on the cash register. He had a stake in providing you with a quality product and good service at an acceptable price. The shoes he (or she) sold were likely to have been made by someone in a factory right here in this country too -- not by a child refugee in a Turkish sweatshop. Somehow we decided both that corporations can be people and that they are not required to have a social conscience -- at all. As long as we keep the shareholders happy the rest of us can Push Five to listen to bad on hold music. They can't even be bothered to get that right these days....See More- 3 years ago
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