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Chase Receivables



lwishman

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Sub: Chase Receivables
Wed, 06/06/2012 04:45

They have also called me and came to an agreed amount(half of the balance and the account stated as Paid in Full)for an old Target account. However, they keep telling me they will not send a letter agreeing that the account will be paid in full until it is paid in full. How can I get them to understand that I do not want them to send me something saying it is paid in full before I pay them, I just want a letter stating they agree to the account being settled as Paid in Full. I keep saying just to send me something in writing before I send them a dime.
I do have to say I have not sent a DV on this, but I do know the account is mine. Should I send a DV before sending them any money?
Thanks



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skydivr7673
skydivr7673


Posts: 2004
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Sub: #4 Quote:Send a letter to Chase Receivables informing them you willWed, 06/06/2012 - 04:45



Quote:
Send a letter to Chase Receivables informing them you will not speak with them over the phone; tell them you will communicate with them in writing only.


Sorry, this is bad information. There is no provision in the law for a "partial cease and desist". You can certainly request this, but they are under no legal obligation to actually listen to it. And, many CA's will treat this like a cease and desist....which could end up getting you sued. If you tell them to stop contacting you, they may decide that a lawsuit is their best option to collect. Not a smart piece of advice.

Quote:
If you're getting harrassed at work by their phone calls...tell them you're not able to receive phone calls at your place of employment. Send your letter certified mail.


This is the only correct thing in that whole post---if you tell them not to call you at work, they must comply.

Quote:
If they continue to call you after they've received your letter they're violating the Fair Credit Reporting Act and can be fined.


wow, where do you get this trash?

1--as said before, it is NOT a violation of ANYTHING if they continue to call you after you tell them "only contact me by mail".

2--the law youre looking for is the FDCPA, not the FCRA. If you do not know the law, please do not quote one.

3--there is no "fine". There is a penalty that is variable, and can only be implemented by a judge if you sue them over FDCPA violations.


Quote:
I'm going through the same things and can't wait to see what happens now that they have my letter.


If you fired off a letter that details these same things you have written here, I can tell you what happened once they got your letter. They probably laughed their back sides off at your incompetence and posted your letter on the bulletin board in their break room so all their employees could have a laugh.


Unregistered

Sub: #5 Chase Receivables & Fair Credit ReportingTue, 06/05/2012 - 17:51



Send a letter to Chase Receivables informing them you will not speak with them over the phone; tell them you will communicate with them in writing only. If you're getting harrassed at work by their phone calls...tell them you're not able to receive phone calls at your place of employment. Send your letter certified mail. If they continue to call you after they've received your letter they're violating the Fair Credit Reporting Act and can be fined. I'm going through the same things and can't wait to see what happens now that they have my letter.


Unregistered

Sub: #6 IF U ACTUALLY TALKED TO SOMEONE THEY WOULD HAVE TOLD U THEY HAVEMon, 04/11/2011 - 17:03



IF U ACTUALLY TALKED TO SOMEONE THEY WOULD HAVE TOLD U THEY HAVE NO AFFILIAITON WITH CHASE BANK IF U DIDNT JUST YELL INTO THE PHONE WRONG # REMOVE IT OR REFUSE TO ID URSELF OR PROBABLY DIDNT GIVE THEM THE # THEY CALLED TO REMOVE HOW ARE THEY SUPPOSE TO DO THARTT PEOPLE DONT DIAL PHONE MANUIALLY ANYMORE IN COMPANIES ITS AUTOMATIC SO MOST OF THE TIME WE GET VOICEMAIL BUT NO PROMPT OR DEAD AIR OR SM1 WHO STAYED ON LINE BUT HUP SO HELP THEM HELP U
Reply !
ALSO INFO IS UPDATED OFF CREDIT REPORT , SO IF U CHANGE UR # BUT U ARE INFACT THE MR WE WILL EVENTUALLY GET UR # UNLESS U PUT IT IN SOMEONE ELSES NAME , IF ANY OF U STAY ON THE PHONE LONG ENOUGH OR LOOK FOR BUISNESS HOURS ONLINE AND WOULD BE ABLE TO REACH US AND OPBVIOSLY NOTHING IS PERFECT THERE ARE SYSTEM GLICHES AND TIMESA WERE THE SYSTEM CRASHED AND WE HAVE SOMEONE ON PHONE BUT NO ACCNT PULLED UP AND TO TOP OFF FRUSTRATION PEOPLE JUST YELLING ON PHONE COMPLAINING OR WHO HANG UP JUST AS WE ARE TO PICK UP LET IT RING OBVIOUSLY WE GET MILLIONS OF CALLS A DAY AND PHONE NEVER STOPS RINGING IT WOULDNT KILL U TO BE PATIENT!! JUST LEARN TO KEEP YOUR RECEIPTS AND ABLE TO PROVIDE PROOF OF PAYMENT WOULD HELP GET U OUT OF COLLECTIONS AND IF U OWE ITS NOT OUR FFAULT WE GET 8$ THE HOUR DAT IS NOT ENOUGH TO PUT UP WITH EMOTIONAL PEOPLE. PS THE CLIENT ONLY GIVES US SO MUCH INFO TO WORK WITH AND THE AUTAMATED SYSTEM IS SET UP TO CALL U EVRYDAY UNLESS PYMNT ARRANGMENT ON FILE ASK FOR A TEMPORARY HOLD STATUS DONT JUST HANG UP DAT DOESNT HELP ANYONE WE ARE REQUIRED TO GET INCOME INFO , AND THE SAME QUESTIONS WE ASK ARE THE SAME ONE THE CLIENT ASK U FOR WHEN U SIGN UP W/ THEM ,WE ARENT RUDE WE END UP STRESSED OUT AT END OF DAY B/C OF PEOPLE YELLING ALL THE TIIME INSTEAD OF COOPERATING W/ US WHICH WOULD BE EASIER TO STOP CALLS FASTER .


Unregistered

Sub: #7 I have been getting calls on a daily basis from them...didnt ansTue, 02/08/2011 - 11:20



I have been getting calls on a daily basis from them...didnt answer at first, because they ask you to press 9 then hold and wait for an operator...then I would get hung up on. Last week I had enough. I called the number back and spoke to the person that hung up. It is all over a $26.00 hospital bill that didn't get settle in my work comp case. Of course they wanted me to pay right then and there, but I asked for them to send out a statement and I would pay the bill.(This was on the 3rd) Got a call yesterday from a man there that was very rude telling me they sent a statement out and asked me if a even have a checking or savings account???? IS THAT ANYONES BUSINESS....just recieved another call, before I could say anything the lady says "Oh we called and spoke to you yesterday about this matter" and hung up...is this a joke? I have not seen a statement...bill or anything from these people except harassing phone calls all hours of the day and evening...


Unregistered

Sub: #8 I checked my state's license database (Tennessee) and they were Wed, 09/15/2010 - 11:01



I checked my state's license database (Tennessee) and they were not found under Chase Receivables. They were found under their other name of Credit Bureau of Napa County.


skydivr7673
skydivr7673


Posts: 2004
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Sub: #9 Quote:Originally Posted by AnonymousjUST THOUGHT I WOULD LET YOUThu, 06/17/2010 - 05:33



Quote:
Originally Posted by Anonymous
jUST THOUGHT I WOULD LET YOU KNOW THEY ARE LISENCED AND REGISTERED IN ALL STATES...


wow, two years late AND wrong....as of 15 seconds ago they are not registered in my state. Kinda makes me wonder if you work for them....


Unregistered

Sub: #10 jUST THOUGHT I WOULD LET YOU KNOW THEY ARE LISENCED AND REGISTERThu, 06/17/2010 - 01:12



jUST THOUGHT I WOULD LET YOU KNOW THEY ARE LISENCED AND REGISTERED IN ALL STATES... Quote:
Originally Posted by skydivr7673
iwish--I would check with your state's secretary of state office. Not sure of the laws in SC but many states require collection agencies to be licensed or registered. If they are required to be in your state, then check to see if they are registered. States do this as a requirement for any business, no matter where that business is located, if they wish to conduct business inside SC. If they are not registered, and they are required to be, then they cannot legally even attempt to collect from you. It would be a violation of state law.
In either case, I do not advocate skipping out on legitimate debts, and I am glad to see that you are trying to handle this one. I would check to see about the licensing requirement, but as far as trying to communicate with them I would do it in writing. That way at least you have written record of the fact that you are making genuine efforts to resolve this.


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