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Consolidated - collection agency?

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Posts: 6
Credits: 191
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I received a message in the form of a post it on my desk from this company telling me I owed a debt for a credit card, which I do, but the guy I talked to when I called was pretty abrupt. Said they hired a locator company and they must have come to my work and left a message? I told him I haven't received any paperwork or anything and he said I wasn't going to. That Credit One sent me plenty of info and that I shouldn't have ignored it. Offered me a payment arrangement and settlement. I have read some posts on here and it looks like they are shady, but since the debt is real, what are my options? Do they have to send me a vaidation of debt letter? He said I committed a "breach in fraud" and that I am in "pre-litigation". Honestly, he scared me, so I just am curious about my rights. Help??!!




SOAPLADY


Debt Samaritan
Posts: 17211
Credits: 474637.28869987

Sub: #1 If the post it message was a
Fri, 08/16/2013 - 15:34

If the post it message was a phone message, they violated the law. Also breach of fraud?? There is no such thing. Being in collections is "pre-litigation" so dont let that scare you!!


What is the name of the agency?? I would be sending them a cease and desist letter pretty damn quick!





kmalin
Posts: 6
Credits: 191

Sub: #2 My question
Mon, 08/19/2013 - 08:32

They just kept telling me they were called "Consolidated". Nothing else. He told me I would have hundreds of dollars worth of legal fees and court costs added to the amount. It was for a credit card that we got too far behind on, so it was "sold" to this company. I mean, they still have to follow the law, right? Send me a validation of debt and stuff?





paulmergel


Posts: 15508
Credits: 135761.15272958

Sub: #3 yes
Mon, 08/19/2013 - 09:43

they must by law send a dunning letter 5 days after initial contact.that is if they are legit.this place is not as because as soaplady stated the message at your job broke the law.if they refuse to send anything(which it sounds like they have)reportthem and ignore them.





SOAPLADY


Debt Samaritan
Posts: 17211
Credits: 474637.28869987

Sub: #4 What phone number did they
Mon, 08/19/2013 - 12:15

What phone number did they call you from???





kmalin
Posts: 6
Credits: 191

Sub: #5 888-294-3237
Mon, 08/26/2013 - 15:06

That is the number they called me on ...





paulmergel


Posts: 15508
Credits: 135761.15272958

Sub: #6 well
Tue, 08/27/2013 - 11:13

only got one complaint from both 800notes,and whocallsme so they must be a fairly new bottomfeeding piece of shit.so i would use that number to file an FTC complaint at least,but just know they are a garden variety scam.





paulmergel


Posts: 15508
Credits: 135761.15272958

Sub: #7 geez
Thu, 10/10/2013 - 05:28

one more time sanders.you don't ask for validation verbally.you send the DV letter after you get an address.geez.




Unregistered

Sub: #8 same thing just happened to me
Tue, 10/15/2013 - 15:23

They called, I asked them what it was about, the guy was incredibly rude. I asked for an address to send a request for verification and I got hung up on.




Unregistered

Sub: #9 Received phone call from "Dept of Investigations"
Tue, 10/29/2013 - 08:02

I received a call from Paula Banks at the Dept of Investigations, phone number 352-553-1272, telling me that my son had gotten himself into a lot of financial trouble. She said I needed to get hold of him and tell him to call 855-638-3571 at Consolidated. She said he had a "Notice to Appear". He called and was told that he owed an old debt and they could take his credit card payment to avoid additional charges. He informed them to send him the paperwork regarding these charges. Two hours later Paula Banks calls back to see if I had gotten hold of my son, I told her no. The next day I also received a call from Paula Banks to see if I had relayed the info to my son, again I told her no, she said she would notify him at his place of employment. I believe that this is against the law. Why can't someone stop this harassment. I'm not even sure how they got my phone number I've only had this number a short time.




bjefbatt
Posts: 25
Credits: 290.6

Sub: #10 Consolidated
Tue, 12/10/2013 - 12:51

The numbers which called me today are:
855-642-4064 and 855-453-1018

Interestingly enough, the initial call to my work (keep in mind there have been no calls to me on my phone) was to return a call to Natalie Jones. When I called, I spoke with a "Chelsea Jones".... hmmmmmm. I hate them.




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