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Collectcorp collection agency - Are they known for FDCPA violation?

Collectcorp Corporation is a collection agency located in Phoenix, Arizona. Many consumers complain that they faced problems while dealing with this collection agency. These problems are varied in nature and some of them, as shared by the guests and members of the DebtCC community, are discussed below.

Collectcorp complaints - Do they speak good of the company?

Even though Collectcorp has a good BBB rating, there are consumer grievances against them. The complaints against the CA does not quite speak good of the company. A few of these complaints are as follows:

  • Collecting money even after debt is paid off: A consumer alleges that the collection agency came after him even though he had paid off the debt. He says he repaid the debt in full to avoid any negative mark on credit report. Later on, the CA demanded another $6 saying he still owed the interest accrued before the payment was made. Know more.
  • Not complying with agreement: A customer says he settled a debt with Collectcorp. As per the agreement, they were supposed to withdraw money from his account on a particular date. But they withdrew money 1 week earlier than they were supposed to. This caused the customer to pay an extra $300 in bank fees. Get more on this.

Are there complaints of FDCPA violation by Collectcorp?

Consumers have accused the collection agency of violating the FDCPA (Fair Debt Collection Practices Act) on quite a few occasions. Some of the instances where the CA violated the debt collection laws are as follows:

  • Making calls at workplace: A consumer complains that the collection agency called him at his place of work repeatedly even though he had asked them to not do so. They refused to stop calling him at work until he paid them off in full. They even threatened to garnish his wages if he failed to make payments. Find more.
  • Making calls to friends and family: Another person says that Collectcorp makes annoying calls to his ex, who got divorced years ago. He says that his ex is not responsible for the debt and hence the CA should stop calling her. Get more on this.

The FDCPA lays down the rules which the collection agencies are bound to follow. As per the laws, no collection agency is allowed to call you at your place of work if your office policy prohibits it. The CAs are also not permitted to make calls to your friends, family and neighbors unless they fail to get in touch with you. They cannot also disclose your debt-related information to anyone apart from you.

What do you do if the CA tries to collect an old debt from you?

The CA may come after you to collect an old debt which has either been settled long time back or crossed the Statute of Limitations (SOL). This type of debts are also known as "zombie debts", which may come to haunt you when a collection agency attempts to collect it from you. The CAs often resort to illegal and unethical practices, like fraudulently changing the age of the debt, etc., to collect these zombie debts from debtors.


In case Collectcorp or any other collection agency contacts you to recover an old account which you do not remember or which you have already paid off, beware! Chances are that the CA is trying to collect a zombie debt from you. Thus, when you pay off a debt, you should save all the documents, copies of checks and bank statements, etc. to prove that the debt has been repaid. This will protect you from zombie debt collections.


You should also check if the debt is passed the Statute of Limitations. If it has crossed the SOL, you do not have to worry about repaying the debt. You can simply send a letter through certified mail with return receipt requested asking the CA to stop all collection attempts. However, you should remember that making payments to the CA to remove the item from credit report can renew the SOL. This is why, you should not make payments to the CA until they validate the debt.


You can contact Collectcorp collection agency using the details given below:


Collectcorp address:
455 N. 3rd Street #260 Phoenix, AZ 85004


Collectcorp phone number: (602) 443-2920 Or (800) 678-3052 Or (877) 719-7015

Hi all, I have been having an ongoing issue with ...
member profile picture

Hi all,
I have been having an ongoing issue with this agency. It started with my AmEx account being misused. Someone somehow used my account in PA while I was here in Texas. If I'd know of this earlier I am sure it could have been settled. But because this was a card I used only twice (at most), I'd forgotten it existed. Also, the statements were going to my old residence, another reason I had no idea. When I moved back to my home city, I was given a ton of old mail and noticed the charge. By this time, the account had been sent to Collectcorp collections. After trying to prove that I hadn't used the card in PA, I finally gave in and paid the money because I didn't want a bad mark on my credit, which up until now had been clean. I paid by the date on the letter sent to me, in full.
Now they claim I owe another $6 because despite having a 0 balance at the due date, they are saying interest accrued before the payment, or some bull. My real concern here is that during this whole ordeal, CollectCorp has been rude even when I was just trying to figure out what this charge was and how it got there. The collectcorp phone numbers are rarely working, and they don't answer the phone if you call more than once. When I asked them to send a receipt of my payment by phone they sent me a letter for a payment plan instead - after I'd paid the entire thing. And now they are sneaking charges in on me. I don't know what to do. I don't want the deliquency on my record in the first place because I never made the charge(and I have proof that I couldn't have made the purchase because I bought groceries in TX that very same day with my bank card) so I sure as heck don't want to be their endless supply of pocket change.
So I guess my questions are:
1. Is there anyway I can't get this removed from my report although I paid it? I have proof that I didn't make the purchase. If I can't how will the delinquency affect me? The last person I spoke to said that 30 days after I paid it off and they reported it to the bureaus it will clear. Is that true?
2. How can I ensure that what I pay them will actually end all of this since they keep bring up new charges and excuses everytime I think I am paid off? What's the best action to take?
3. Is there anyone or any place I can report them for their horrible treatment? It almost as if they don't want me to pay them the way they send me from person to person, and hang up on me for asking a simple question!
I apologize for making this so long, but thank you for hearing me out as well as for any help you can give.
Thanks,
Adra




MOD NOTE

Stupid Canadian Collector who doesnt realize he is posting on a US based board. So i deleted his rant.

I am Canadian and I reserve the right to call some of them dumb as stumps.....

Sub: #1 posted on Wed, 09/14/2011 - 00:55

INDYDOT INDYDOT

(Posts: 1 | Credits: 2.3)

I think you're right. When collect corp took over my account from amex they told me that If I paid a lesser amount each month, they would stop the negative reporting. That was nine months ago, and I have been paying them religiousely every month. I just got my annual credit report and it shows that they have been reporting adverse info each month which didn't help my credit score one bit. I even had a restictive endosement when I began.
:(

Sub: #2 posted on Tue, 12/14/2010 - 03:58

Unregistered


The best thing to do when you have issues like this is to contact a consumer attorney. The National Association of Consumer Advocates (NACA) has a website where you can easily connect to attorneys who work in this field. The website is www.naca.net. Select the "find an attorney" tab, put in your state, select "debt collection", click whatever box makes the most sense (FDCPA, Not My Debt, Harassment and Abuse, etc.), and then click the search button to the left. A few attorneys will come up so the best thing to do is to (starting at the middle or bottom, because the top names probably get the most inquiries) send out a form email explaining the situation to all of the attorneys listed. If you leave your contact information, the interested lawyers should get back to you. Good luck.

Sub: #3 posted on Fri, 09/03/2010 - 05:53

Unregistered


[QUOTE=Anonymous;669611]If you're going through the trouble of finding out ways to avoid a debt, bashing debt collectors and filing complaints isn't the solution. You borrowed the funds, now its time to pay it back -- what would you be if you didn't? A thief? Pretty much. If you don't want to pay it back - fine, deal with the concequences of being in collections and find ways to resolve it.
Removed, personal attacks not tolerated![/QUOTE]

Not everyone is a passenger in the same boat, sometimes big corporations can take a leak on the little guy if you know what I mean. If a debt is disputed, but forwarded to a collection agency instead of being dealt with, is that really your fault or the people who are trying to screw you out of your hard earned money. My advice on the situation, is just ignore them, tell them if you really have a debt with another entity that you will deal with that entity only. If it is a government debt and they garnish your wage, it has to be done. If it isn't just ignore them and don't give them any personal information. In fact, *69 the number if they don't give it to you, then *67 your number and call them back over and over again, fill their voice mail up so they can't conduct their harrassing calls. Give the number to all of your friends and tell them to do the same, make it a drinking game and see how they like stupid phone calls about debts that don't exist or are even relevant. Have FUN WITH THEM

Sub: #4 posted on Fri, 06/18/2010 - 08:43

Unregistered


If you're going through the trouble of finding out ways to avoid a debt, bashing debt collectors and filing complaints isn't the solution. You borrowed the funds, now its time to pay it back -- what would you be if you didn't? A thief? Pretty much. If you don't want to pay it back - fine, deal with the concequences of being in collections and find ways to resolve it.
Removed, personal attacks not tolerated!

Sub: #5 posted on Sat, 03/20/2010 - 21:38

Unregistered


Quote:
Originally Posted by Collections-DONT pay them
I used to be in the bsuiness. I bought tens of millions of dollars of debt and collected on a small fraction of it. Its a very togh business. Now that I am not in the business, I will tell you this. Once your credit card, or any debt for that matter as gone to collections, DONT PAY IT - EVER. Once you have a "Charge Off" on your credit report, the only thing tat will make it go away is time. There is ZERO difference between a "PAID CHARGOFF" and a "CHARGEOFF". Once the creditor has charged it off, your credit score will suffer until time heals the bad mark. So, despite what the Collection agency tells you, it will remain on your report and be reflected in your FICO score. Negotiate DIRECLY with the Company that you owe the debt too. Have them send you a notorized letter stipulating that if you pay off he debt, that they will remove all negative information from all THREE credit reporting bureaus, and that they will not post any additional information concerning te specific debt. This is the ONLY way to repair your credit. Period.

I had a payment agreement with American Express and agreed to the payment plan and was making the payments. All of the sudden I start receiving calls from Collect Corp and they tell me my account was turned over to them and there's nothing I can do about it. I called American Express and they said my account was sent to them a day after I made the agreement with AMEX. How can this be?? If I'm on a pmt agreement how can they turn my account over the day after I made the agreement with them?

Another issue I have is that Collect Corp called my phone a total of 4 times today, three of the calls were from their number and they must have a programmable caller id because the other was from BOA who I do have my mortgage through but I'm not late on any payments. I was told that this is illegal. Any assistance you can provide would be greatly appreciated.

Thank You

Sub: #6 posted on Wed, 03/17/2010 - 03:24

Unregistered


I had a payment agreement with American Express and agreed to the payment plan and was making the payments. All of the sudden I start receiving calls from Collect Corp and they tell me my account was turned over to them and there's nothing I can do about it. I called American Express and they said my account was sent to them a day after I made the agreement with AMEX. How can this be?? If I'm on a pmt agreement how can they turn my account over the day after I made the agreement with them?

Another issue I have is that Collect Corp called my phone a total of 4 times today, three of the calls were from their number and they must have a programmable caller id because the other was from BOA who I do have my mortgage through but I'm not late on any payments. I was told that this is illegal. Any assistance you can provide would be greatly appreciated.

Thank You

Sub: #7 posted on Wed, 03/17/2010 - 03:19

Unregistered


My brother tried to do a debt settlement with this company late Feb 2010. They said they would settle so he asked for a fax stating the terms of the agreement. They dated the letter Feb 25, but in the letter they said if the debt wasn't paid by Feb 16, the deal was null and void. Had I not looked at the letter and caught that, they would have taken his money and still owed all the debt. They have tried several times to take money out of his account (yes he stupidly gave them his account number)even before Feb 25. Luckily I had told him to empty the account as soon as I found out he was dealing with them. DO NOT EVER GIVE YOUR BANK ACCOUNT NUMBERS TO A COLLECTION AGENCY. TELL THEM YOU WILL PAY WITH A MONEY ORDER OR GO THROUGH PAYPAL. My brother now has to close all his bank accounts.

Sub: #8 posted on Sun, 03/07/2010 - 22:06

Unregistered


My brother tried to do a debt settlement with this company late Feb 2010. They said they would settle so he asked for a fax stating the terms of the agreement. They dated the letter Feb 25, but in the letter they said if the debt wasn't paid by Feb 16, the deal was null and void. Had I not looked at the letter and caught that, they would have taken his money and still owed all the debt. They have tried several times to take money out of his account (yes he stupidly gave them his account number)even before Feb 25. Luckily I had told him to empty the account as soon as I found out he was dealing with them. DO NOT EVER GIVE YOUR BANK ACCOUNT NUMBERS TO A COLLECTION AGENCY. TELL THEM YOU WILL PAY WITH A MONEY ORDER OR GO THROUGH PAYPAL. My brother now has to close all his bank accounts.

Sub: #9 posted on Sun, 03/07/2010 - 21:55

Unregistered


Quote:
Originally Posted byAnonymous
Hello there,
Nowaday there are so many ways to locate people. You may no longer use a landline so they used the following websites to locate you or people who know you or have known you:
Accurint.com, veromi.net and or pipl.com. Collect Corp's policies are to not contact relitives. I hope there this has been helpful to you. I do not work there because apparently I feel that a persons home is more important than a charged off BOA account.


That is absolute BS. I have a landline and I can easily be searched on whitepages.com The person does not even have the same last name as me anymore and hasn't since 1995. Oh yeah CollectCorp have not been very aggressive in their collection. I find that kind of funny. Every time I see the number pop up on the caller ID, I just hang up or let the call go to answering machine. It is usually an automated call. Yeah they are real aggressive. One automated call a day.

Sub: #10 posted on Sun, 01/24/2010 - 11:24

Unregistered


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