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(Chron)   Whataburger not only makes great food, they also sue collection agencies for making calls about their employees   (chron.com) divider line 58
    More: Spiffy, whataburger, corporate headquarters  
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5003 clicks; posted to Business » on 25 Aug 2012 at 8:32 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-08-25 08:38:42 AM
Needs Hero tag, for employer sticking up for employees
 
2012-08-25 08:49:20 AM
The fines seem too light. It may make that one case unprofitable, but the lawsuits are so rare no one will care. They need to up the fees too 100,000 per call. Call the person directly, send letters, or take them to court. Those should be the only options.
 
2012-08-25 08:50:23 AM

picturescrazy: The fines seem too light. It may make that one case unprofitable, but the lawsuits are so rare no one will care. They need to up the fees too 100,000 per call. Call the person directly, send letters, or take them to court. Those should be the only options.


To not too. Dagnabbit.
 
2012-08-25 09:17:24 AM

picturescrazy: picturescrazy: The fines seem too light. It may make that one case unprofitable, but the lawsuits are so rare no one will care. They need to up the fees too 100,000 per call. Call the person directly, send letters, or take them to court. Those should be the only options.

To not too. Dagnabbit.


Too not to. Galdurnit.
 
2012-08-25 09:22:08 AM
I am not sure, but I think by law collection agencies are not allowed to harass you at work. I had one call me up at work on my direct line and ask for me by my first name. I asked which "Happy Hours" did they want to speak to. They said "You mean there's more than one?". I said, yes, we have more than one person by that name working here.

They never called that number again.

Pay your bills, but if you're not going to anyway don't even talk to collection agencies.
 
2012-08-25 09:26:57 AM
They can legally call you at work in most states unless they are specifically requested not too.
 
2012-08-25 09:35:46 AM

Happy Hours: Pay your bills, but if you're not going to anyway don't even talk to collection agencies.


A collection agency for Macy's attempted to call me over 30 times because I was two days late paying a $150 bill. So I cancelled the Macy's card. They spent 10 minutes trying to talk me out of cancelling so I hung up and sent them a certified letter and shredded the card. Honest mistakes happen. But agencies today automatically assume you are a deadbeat and come at you with both barrels.

/no debt
 
2012-08-25 10:02:30 AM

gingerjet: Happy Hours: Pay your bills, but if you're not going to anyway don't even talk to collection agencies.

A collection agency for Macy's attempted to call me over 30 times because I was two days late paying a $150 bill. So I cancelled the Macy's card. They spent 10 minutes trying to talk me out of cancelling so I hung up and sent them a certified letter and shredded the card. Honest mistakes happen. But agencies today automatically assume you are a deadbeat and come at you with both barrels.

/no debt


Someone at Macy's screwed up big time. When a debt is sold to a collection agency for pennies on the dollar, it's perfectly reasonable for the agency to believe it's way overdue.
 
2012-08-25 10:03:09 AM

Happy Hours: I am not sure, but I think by law collection agencies are not allowed to harass you at work. I had one call me up at work on my direct line and ask for me by my first name. I asked which "Happy Hours" did they want to speak to. They said "You mean there's more than one?". I said, yes, we have more than one person by that name working here.

They never called that number again.

Pay your bills, but if you're not going to anyway don't even talk to collection agencies.


I kept getting calls for the guy that used to be at my work number from Sallie Mae. No matter how often I told them he no longer worked there and to stop calling that number, I got calls for 6 months. Then I did get moved and got a new number, but I could still hear that phone ringing from time to time, and they left messages.

Finally, the calls stopped.

//Been served for a bad debt before(hospital bill). I will never again get to that point.
 
2012-08-25 10:22:12 AM

gingerjet: Happy Hours: Pay your bills, but if you're not going to anyway don't even talk to collection agencies.

A collection agency for Macy's attempted to call me over 30 times because I was two days late paying a $150 bill. So I cancelled the Macy's card. They spent 10 minutes trying to talk me out of cancelling so I hung up and sent them a certified letter and shredded the card. Honest mistakes happen. But agencies today automatically assume you are a deadbeat and come at you with both barrels.

/no debt


I had a hospital do this over a $120.00 copay. Started getting harassing calls from them BEFORE the bill came due. At one point six times in 3 days. I had told them that I would pay them on the next paycheck (had been paying 5 other med bills off at the same time) the first time they called. It was in their notes. They dont give a shiat

St. Lukes Houston can go pound sand

/paid on the day I said I was going to as well
 
2012-08-25 10:27:03 AM

meat0918: Happy Hours: I am not sure, but I think by law collection agencies are not allowed to harass you at work. I had one call me up at work on my direct line and ask for me by my first name. I asked which "Happy Hours" did they want to speak to. They said "You mean there's more than one?". I said, yes, we have more than one person by that name working here.

They never called that number again.

Pay your bills, but if you're not going to anyway don't even talk to collection agencies.

I kept getting calls for the guy that used to be at my work number from Sallie Mae. No matter how often I told them he no longer worked there and to stop calling that number, I got calls for 6 months. Then I did get moved and got a new number, but I could still hear that phone ringing from time to time, and they left messages.

Finally, the calls stopped.

//Been served for a bad debt before(hospital bill). I will never again get to that point.


I have been dealing with this for two years, been getting calls for a Jenna N_____, who had my cel # before me, I love the way when I tell them that I dont know who she is and take my number off the list they:

1) accuse me of being her dad, boyfriend, et
2) try to hang the debt on me
3) Call back a week later on a different number
4) Same agency calls back with a slightly different name
5) Say that theyre gonna call her where she works, so I'd better pass the message on/pass the phone to her
6) get cussed at
7) as nauseum

It's gotten to the point where I can recognise individuals who call. I could change my number, but it's gotten kinda fun playing with them.
 
2012-08-25 10:35:06 AM

Death_Poot: meat0918: Happy Hours: I am not sure, but I think by law collection agencies are not allowed to harass you at work. I had one call me up at work on my direct line and ask for me by my first name. I asked which "Happy Hours" did they want to speak to. They said "You mean there's more than one?". I said, yes, we have more than one person by that name working here.

They never called that number again.

Pay your bills, but if you're not going to anyway don't even talk to collection agencies.

I kept getting calls for the guy that used to be at my work number from Sallie Mae. No matter how often I told them he no longer worked there and to stop calling that number, I got calls for 6 months. Then I did get moved and got a new number, but I could still hear that phone ringing from time to time, and they left messages.

Finally, the calls stopped.

//Been served for a bad debt before(hospital bill). I will never again get to that point.

I have been dealing with this for two years, been getting calls for a Jenna N_____, who had my cel # before me, I love the way when I tell them that I dont know who she is and take my number off the list they:

1) accuse me of being her dad, boyfriend, et
2) try to hang the debt on me
3) Call back a week later on a different number
4) Same agency calls back with a slightly different name
5) Say that theyre gonna call her where she works, so I'd better pass the message on/pass the phone to her
6) get cussed at
7) as nauseum

It's gotten to the point where I can recognise individuals who call. I could change my number, but it's gotten kinda fun playing with them.


Call your AG. Most of the shiat you described is rumored to be illegal in many states.

//I say rumored, because the way laws at the state level work in this country is such a shabby patchwork quilt it's amazing we can get any business done at all
 
2012-08-25 10:39:28 AM
FTA: "NCO Financial Systems"

Note the pseudo-military corporate name branding ploy that implies the noncommissioned officers don't fark around when it comes to debt.
Might as well call it Beat Your Ass and Throw You in Jail Financial Services.

/As for the debt collectors, dump your cell and get a new number, ditto home phone if you have one.
//Don't admit the debt is yours, don't answer their correspondence.
///If the statute of limitations on the debt is expired (varies by state, Google it) they cannot legally collect the debt.
 
2012-08-25 10:50:11 AM
I think we're missing the point here. Subby called the food at Whataburger "great." Subby is obviously drunk and/or high and is in need of substance abuse counseling.
 
2012-08-25 10:58:37 AM

Death_Poot: gingerjet: Happy Hours:

I had a hospital do this over a $120.00 copay. Started getting harassing calls from them BEFORE the bill came due. At one point six times in 3 days. I had told them that I would pay them on the next paycheck (had been paying 5 other med bills off at the same time) the first time they called. It was in their notes. They dont give a shiat

St. Lukes Houston can go pound sand

/paid on the day I said I was going to as well


I had something similar happen. Had an ER visit where everything for the $3700 and change bill was covered except, for some reason, three pills I was giving while I was there (not take home meds or anything). I had no idea why it wasn't covered, so thought I'd check with the insurance company to make sure there wasn't some error there.

Farking hospital turned it over to a third party collector within 30 days of the damn ER visit! $37!!
I paid it as soon as I got the first letter (directly to the hospital, not the collection folks), but still, WTF?

/Wasn't worth the hassle to fight the insurance over $37 anyway.
 
2012-08-25 11:17:44 AM

Shostie: I think we're missing the point here. Subby called the food at Whataburger "great." Subby is obviously drunk and/or high and is in need of substance abuse counseling.


The hell you say! Yeah, it's still only fast food, but the burgers are just about the best fast food burgers around, and the ketchup is better than anywhere else (especially when they had the spicy ketchup for a while!).
 
2012-08-25 11:19:50 AM

buzzcut73: Death_Poot: gingerjet: Happy Hours:

I had a hospital do this over a $120.00 copay. Started getting harassing calls from them BEFORE the bill came due. At one point six times in 3 days. I had told them that I would pay them on the next paycheck (had been paying 5 other med bills off at the same time) the first time they called. It was in their notes. They dont give a shiat

St. Lukes Houston can go pound sand

/paid on the day I said I was going to as well

I had something similar happen. Had an ER visit where everything for the $3700 and change bill was covered except, for some reason, three pills I was giving while I was there (not take home meds or anything). I had no idea why it wasn't covered, so thought I'd check with the insurance company to make sure there wasn't some error there.

Farking hospital turned it over to a third party collector within 30 days of the damn ER visit! $37!!
I paid it as soon as I got the first letter (directly to the hospital, not the collection folks), but still, WTF?

/Wasn't worth the hassle to fight the insurance over $37 anyway.


Hospital did that to me too (sent the whole $3K bill to collections within 30 days) because my "good" insurance plan decided to try to pull the "pre-existing condition" thing with me (why, yes, it WAS "pre-existing" when I went to the ER, that's WHY I went to the ER) so they didn't get reimbursed immediately. Unfortunately for them, I already own a house and I just bought a car, so I'll happily let that collection attempt sit on my credit report until the statute of limitations expires, ignore their letters, and not take their calls, and they won't see a farking dime. When it's time to buy a new car that collection thing won't even be there anymore. And this was a hospital in a moderately affluent area so it's not like they have to get that money back in 15 days or they go under, they just wanted to be dicks. So I can be a bigger dick back.
And no, I don't care that my stunt is "raising the cost of health care in this country". The ability of providers to bill insurance companies whatever the hell they want - to the point where sometimes it's actually cheaper to just pay cash - is what's doing it.
 
2012-08-25 11:25:27 AM
Dammit, now I want a Whataburger. Made just like I like it.
 
2012-08-25 11:46:51 AM
Double Double w/Jalapeno

I have to drive 150 miles for one.
 
2012-08-25 11:52:56 AM
Yet another reason to not live in the USA.

Your country is degenerating into a corporatocracy run by dicks.
 
2012-08-25 12:18:34 PM

arkansas: Double Double w/Jalapeno

I have to drive 150 miles for one.


Worth it.
 
2012-08-25 12:18:39 PM

Death_Poot:

It's gotten to the point where I can recognise individuals who call. I could change my number, but it's gotten kinda fun playing with them.



In case you're not yet familiar with Tom Mabe.
 
2012-08-25 12:26:44 PM

WhoIsNotInMyKitchen: Yet another reason to not live in the USA.

Your country is degenerating into a corporatocracy run by dicks.


No farking kidding.
Kleptocracy.
 
2012-08-25 12:39:02 PM

Death_Poot: meat0918: Happy Hours: I am not sure, but I think by law collection agencies are not allowed to harass you at work. I had one call me up at work on my direct line and ask for me by my first name. I asked which "Happy Hours" did they want to speak to. They said "You mean there's more than one?". I said, yes, we have more than one person by that name working here.

They never called that number again.

Pay your bills, but if you're not going to anyway don't even talk to collection agencies.

I kept getting calls for the guy that used to be at my work number from Sallie Mae. No matter how often I told them he no longer worked there and to stop calling that number, I got calls for 6 months. Then I did get moved and got a new number, but I could still hear that phone ringing from time to time, and they left messages.

Finally, the calls stopped.

//Been served for a bad debt before(hospital bill). I will never again get to that point.

I have been dealing with this for two years, been getting calls for a Jenna N_____, who had my cel # before me, I love the way when I tell them that I dont know who she is and take my number off the list they:

1) accuse me of being her dad, boyfriend, et
2) try to hang the debt on me
3) Call back a week later on a different number
4) Same agency calls back with a slightly different name
5) Say that theyre gonna call her where she works, so I'd better pass the message on/pass the phone to her
6) get cussed at
7) as nauseum

It's gotten to the point where I can recognise individuals who call. I could change my number, but it's gotten kinda fun playing with them.


Send them a certified letter telling them to stop calling your number, wait until you know they've received it, and sue their asses when they call you again.
Statutory damages and attorney fees. Enjoy them.
 
2012-08-25 01:06:18 PM

jimb213: Shostie: I think we're missing the point here. Subby called the food at Whataburger "great." Subby is obviously drunk and/or high and is in need of substance abuse counseling.

The hell you say! Yeah, it's still only fast food, but the burgers are just about the best fast food burgers around, and the ketchup is better than anywhere else (especially when they had the spicy ketchup for a while!).


Know how I know you're drunk and/or high?
 
2012-08-25 02:07:52 PM

Shostie: Know how I know you're drunk and/or high?


it's not like too many other burger places can make a good Jalapeño topped burger

except dairy queen and there ain't as many of those as there used to be around houston
 
2012-08-25 02:49:03 PM

BarkingUnicorn: gingerjet: Happy Hours: Pay your bills, but if you're not going to anyway don't even talk to collection agencies.

A collection agency for Macy's attempted to call me over 30 times because I was two days late paying a $150 bill. So I cancelled the Macy's card. They spent 10 minutes trying to talk me out of cancelling so I hung up and sent them a certified letter and shredded the card. Honest mistakes happen. But agencies today automatically assume you are a deadbeat and come at you with both barrels.

/no debt

Someone at Macy's screwed up big time. When a debt is sold to a collection agency for pennies on the dollar, it's perfectly reasonable for the agency to believe it's way overdue.


Probably was an in-house collections department. A lot of department store credit cards have one. When I worked for Robinsons-May we had one. And yes they were some of the most vile people to our customers. They would say damn near anything (even outright lying about company policy) to get someone to send a payment in. Which usually meant i had to deal with the aftermath. (I was in new accounts and account management). I think everyone on our side of the building hated them as much or maybe even more than the customers.
 
2012-08-25 03:32:33 PM

Shostie: I think we're missing the point here. Subby called the food at Whataburger "great." Subby is obviously drunk and/or high and is in need of substance abuse counseling.


The burgers actually look like whats on the menu, they're always made fresh, they're open 24 hours a day, and gosh darnit, they taste awesome.

/no more whataburgers in my state.

//why wont the oatmeal do a fundraiser for that?
 
2012-08-25 03:34:23 PM
What happens when a worker of a collecting agency has a debt?

/Also
//Are they trained to behave like mobsters?
 
2012-08-25 03:36:32 PM

arkansas: Double Double w/Jalapeno

I have to drive 150 miles for one.


250 miles for me, and i did it just to eat one.
 
2012-08-25 04:11:17 PM
I give my cell number only to friends and family. Everyone else gets my Google Voice number, which takes a message and forwards it to my email account. If I don't want to hear from someone, I tell Google to block their number.

Still get wrong numbers and sequentially-dialed robocalls on my cell occasionally, but overall I'm pretty much in control now.
 
2012-08-25 05:03:02 PM
My first job out of college was working for a "financial services" company that gave high interest loans to those with bad or no credit history and low income. As expected, collection calls made up a significant portion of our time. It's illegal to disclose any information about debt to a third party without the borrowers permission, but my manager had a way around that. When someone was past due and they didn't return our calls, we'd call up the borrower's employer and say "I'm calling from XYZ financial and I'm trying to get in touch with Joe. I've been trying to reach him but he hasn't returned my calls. Could you please tell him to call us immediately because he could be in a lot of trouble if he doesn't.".

Of course the borrower's employer would ask, "Does Joe owe you money?" we'd reply, "I'm sorry, but privacy laws forbid me from discussing Joe's situation with you. Please tell Joe to contact me immediately.". By not directly disclosing the debt, we were following the letter of the law, but certainly violating the intention.

After doing this for a few months, I quit. I realize that borrowers need to pay their bills, but some of the crap they pulled at that job was despicable. That was the only job I've ever had that made me hate myself for doing it.
 
2012-08-25 05:51:10 PM
I'm in management and got dozens of calls for a certain ex-employee over a 3 month period. The calls weren't as bad as the day they tried to serve her. We had to just about call the cops- on a cop. He wanted to proceed into the office and start asking people to identify themselves. Oh, HELL no!
 
2012-08-25 07:16:59 PM
Or you could answer the phone: "*Insert Name Here* , Attorney at Law. How may I Help you?" Note this bluff only works if you know the debt collection laws in your state,
 
2012-08-25 07:19:35 PM

Shostie: I think we're missing the point here. Subby called the food at Whataburger "great." Subby is obviously drunk and/or high and is in need of substance abuse counseling.


Came here to say this.
 
2012-08-25 09:48:48 PM
FWIW...I did collections for the loan company I worked at here in SC, and the rule was:

1. We are allowed to call the customer at work.
2. If they or their employer says stop, you STOP.

Worked for me. None of the deadbeats we went after were worth losing our jobs.
 
2012-08-25 10:03:35 PM
Whenever I see "Blocked" or "Unavailable" come up on caller ID, I usually just let the phone ring. Every so often, just for fun, I answer the phone with "Legal Department".
 
2012-08-25 11:16:25 PM

sk8r: I'm in management and got dozens of calls for a certain ex-employee over a 3 month period. The calls weren't as bad as the day they tried to serve her. We had to just about call the cops- on a cop. He wanted to proceed into the office and start asking people to identify themselves. Oh, HELL no!


This reminds me of the movie, Compliance (http://www.imdb.com/title/tt1971352/) . An indie movie about the guy who called a burger joint saying the counter girl stole money from a customer. The guy said he was a cop, makes the manager lock the girl in the office and strip searcher. Some people automatically do anything someone with a uniform asks them to do. Nowadays its not a good thing to automatically do.
 
2012-08-25 11:40:31 PM

natgab: This reminds me of the movie, Compliance (http://www.imdb.com/title/tt1971352/) . An indie movie about the guy who called a burger joint saying the counter girl stole money from a customer. The guy said he was a cop, makes the manager lock the girl in the office and strip searcher. Some people automatically do anything someone with a uniform asks them to do. Nowadays its not a good thing to automatically do.


based on real events, i remember the fark thread
 
2012-08-26 12:58:42 AM

WhoIsNotInMyKitchen: Yet another reason to not live in the USA.

Your country is degenerating into a corporatocracy run by dicks.


stick it up your ass. you think you're better than me? you're a dooshbag. and an ignorant one at that.

/glass houses, cocksucker.
 
2012-08-26 02:39:21 AM
As somebody who was sued for a debt owed by my ex wife and a corrupt judge bought by the collection company (who by the way committed some serious felonies along the way) and thus forced into bankruptcy...

Fark you Judge Beiter of Ada County.

ALL collection agents must hang. Even the farking new guy who's never made a collection call.
 
2012-08-26 05:16:29 AM
I have a company issued phone and, apparently, whomever had the number prior to it being assigned to my company has some unpaid debts, because my phone rang all the time and no matter how many times I explained to them that I am not the person they're seeking and that the phone they're calling is a corporate phone and not issued to the individual in question, they still kept calling.
I finally started taking their info so I could get my company to send them cease and desist letters. Once I got confirmation that the letters had been sent I was able to start telling the callers that not only do they have the wrong number, they have a cease and desist letter regarding their collection attempts and if they don't stop harassing me, the company will take legal action against them. It's been nice not having them constantly call me anymore.
 
2012-08-26 07:55:13 AM
Mmmmm, Whataburgers. Had a couple in San Antonio a few months ago, and they were pretty good.

Not as good as White Castles, though.
 
2012-08-26 09:17:18 AM
I have call block on my VoIP line. Best thing ever. I used to be in the phone book under just my first initial and last name. I get calls from collection agencies looking for people with that initial. Now I can just block them and they can harass someone else.

Though I do miss heckling idiots sitting in small cubicles on the other side of the country.
 
2012-08-26 09:52:07 AM

Death_Poot: I have been dealing with this for two years, been getting calls for a Jenna N_____, who had my cel # before me, I love the way when I tell them that I dont know who she is and take my number off the list they:


I had a similar experience, but they didn't do most of the stuff you mention. I just got about 50 calls over 2 years from them. Now, I had had my phone number for 7 years or so and never got a call from these people, so I don't think it was the person who had my number before me. My number just seems like a fake number (with lots of repeating digits), so I suspect somebody put down fake contact information. Eventually, they did stop calling. Perhaps they got tired of me cursing them out twice a month.

Now, my girlfriend is going through the same thing. She's been getting random phone calls for over a year now from a debt collector looking for somebody she's never heard of. She's been accused of being his wife and been accused of lying (things they never did to me). It's frustrating.
 
2012-08-26 10:29:45 AM

Krieghund: Shostie: I think we're missing the point here. Subby called the food at Whataburger "great." Subby is obviously drunk and/or high and is in need of substance abuse counseling.

Came here to say this.


Right come on "great food"
Should have said farking amazingly great food.
 
2012-08-26 03:18:42 PM

Rozotorical: Krieghund: Shostie: I think we're missing the point here. Subby called the food at Whataburger "great." Subby is obviously drunk and/or high and is in need of substance abuse counseling.

Came here to say this.

Right come on "great food"
Should have said farking amazingly great food.


Those chicken biscuits with cum sauce are farking disgusting. My old boss brought them to us when we had a Dallas job. He got all butthurt when nobody would eat them the second time he brought them. Made me never ever want to go to a Whataburger. Glad they aren't around here.
 
2012-08-26 03:30:08 PM
I have a somewhat common first name and an extremely rare last name. My guess is that fewer than 500 people in the US share my last name, and because it's an Anglicized version of a rare German name, it doesn't exist outside the US. However, I know of at least two other women with my same first and last name; they're both from the small town my parents come from. One has my exact name - first, middle, and last. Saw her in my nephew's annual.

Anyway, the younger me is apparently a deadbeat. I got a nasty voice message on my cell one time from a debt collector insisting that I call him back in reference to an overdue loan from some company in my home state. I couldn't wait to get him on the phone. I had many eager questions for him, including "So how much is the deadbeat Me on the hock for?" and "What illegal means did you use to get the phone company to give you a cell phone number for someone with a different DOB, SSN, and state of residence than the person you're tracking down?"

/unfortunately, he didn't want to play
 
2012-08-26 05:34:11 PM
This NCO agency farked up the minute they got the cease-and-desist letter and ignored it. FDCPA is federal and that's a no no. Yes the guy needs to pay but if he files the letter then that's end of story. It's his credit if he chooses to fark it up. But agencies like NCO are paid to collect and if they don't they get fired. So I can understand their overzealousness, but the law is the law.

And to the others, yes debt collectors can call you at your work in states where they allow it. They dig through public records attempting to find a way to contact you. It is a debt after all.
 
2012-08-26 05:39:24 PM

Atomic Spunk: My first job out of college was working for a "financial services" company that gave high interest loans to those with bad or no credit history and low income. As expected, collection calls made up a significant portion of our time. It's illegal to disclose any information about debt to a third party without the borrowers permission, but my manager had a way around that. When someone was past due and they didn't return our calls, we'd call up the borrower's employer and say "I'm calling from XYZ financial and I'm trying to get in touch with Joe. I've been trying to reach him but he hasn't returned my calls. Could you please tell him to call us immediately because he could be in a lot of trouble if he doesn't.".

Of course the borrower's employer would ask, "Does Joe owe you money?" we'd reply, "I'm sorry, but privacy laws forbid me from discussing Joe's situation with you. Please tell Joe to contact me immediately.". By not directly disclosing the debt, we were following the letter of the law, but certainly violating the intention.

After doing this for a few months, I quit. I realize that borrowers need to pay their bills, but some of the crap they pulled at that job was despicable. That was the only job I've ever had that made me hate myself for doing it.


How is that a violation? You didn't break third party disclosure on that call at all.
 
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