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(CBC)   Collection agency: 'Hello David Johnson. Pay your delinquent bill'. David: 'I have never used services from the company you are collecting for'. Collection agency: 'Close enough name match, so kiss your credit rating goodbye, you deadbeat'   (cbc.ca) divider line 115
    More: Asinine, collection agency, debt settlement, credit rating, credit reports  
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12090 clicks; posted to Main » on 16 Oct 2013 at 2:33 AM (40 weeks ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2013-10-16 12:17:36 AM
Rogers is scum, collection agencies are scum, so vote Harper

/Or something
 
2013-10-16 02:35:00 AM
So account numbers aren't a thing, apparently.

/didn't RTFA.
 
2013-10-16 02:36:03 AM
I'm sorry, Dave, I'm afraid you're screwed.

metropolitician.blogs.com
 
2013-10-16 02:37:05 AM
Yet another example of how the whole "house is an investment" myth is just a load of crap. Some "investment" when it falls apart at a touch like that, just when you need it most.
 
2013-10-16 02:39:43 AM

LordOfThePings: I'm sorry, Dave, I'm afraid you're screwed.

[metropolitician.blogs.com image 484x363]


Dave's not here, man!
 
2013-10-16 02:40:58 AM
Reminds me of when Florida kicked people off the voter rolls if their name was close enough to the name of someone whose voting rights had been rescinded.

Luckily, nothing bad happened because of that...
 
2013-10-16 02:42:16 AM
"He called the collection agency and thought he straightened it out."


There's your problem. When dealing with people who want your money, get EVERYTHING in writing.

If you absolutely can't wait for the mail (I.E, they emptied your bank account overnight), have the telephone rep send a hard copy transcript of everything they just said, along with a bill reflecting the updated terms. If you rely on a verbal agreement alone, especially when the other party agrees to delete a debt, you're only setting yourself up for an endless series of lawsuits.
 
2013-10-16 02:43:13 AM
I had a prepaid phone that was frequently robo-called by collection agencies. After not answering it enough times if I noticed the number was blocked, they finally stopped calling.

The worst is that it's a robo-caller, so it's not even like you can argue your case with a real person.

Not that a real person would actually work in one of those rat dens.
 
2013-10-16 02:46:15 AM
A-HAH!! So Canada is not the liberal socialist utopia that the conservative media have told me the liberal media have been telling me about.

Guess I'll just stay where I am.
 
2013-10-16 02:47:00 AM
Ask that the debt be validated, then when said validation can't be shown ask for the statement be removed from your credit report.  If they fail to remove it within 30 days, take them to small claims court and sue for the max.  Probably a default judgement in favor of the plaintiff since what are they going to show, then they are under court order to remove it.  If my credit repair memory serves me correctly.
 
2013-10-16 02:48:00 AM
Oh, Canada?  No FCRA there most likely.  NM.

\DNRTA
 
2013-10-16 02:49:58 AM

HighOnCraic: LordOfThePings: I'm sorry, Dave, I'm afraid you're screwed.

[metropolitician.blogs.com image 484x363]

Dave's not here, man!


*shakes fist*
 
2013-10-16 02:58:12 AM
Someone ought to call the collection agency and say, "Hi, My name is David Robertson and I think  I may owe you some money". And then give them Bush's phone number.
 
2013-10-16 02:59:05 AM
David Johnson...dammit.
 
2013-10-16 02:59:19 AM
So, he got rodgered by Rodgers?
 
2013-10-16 03:01:58 AM
imageshack.us
 
2013-10-16 03:02:24 AM

Point02GPA: Someone ought to call the collection agency and say, "Hi, My name is David Robertson and I think  I may owe you some money". And then give them Bush's phone number.


prosgiveback.com
 
2013-10-16 03:13:45 AM
seventypercent~


the admiral
 
2013-10-16 03:17:55 AM
Well, I don't care if he used Rogers service or not. He should pay them lots of money anyway, because if he doesn't, then we might as well be living in a Communist country like Cuba or Sweden.
 
2013-10-16 03:18:16 AM

HighOnCraic: LordOfThePings: I'm sorry, Dave, I'm afraid you're screwed.

[metropolitician.blogs.com image 484x363]

Dave's not here, man!


That probably would have blown HAL's heuristics.
 
2013-10-16 03:22:09 AM

seventypercent: Point02GPA: Someone ought to call the collection agency and say, "Hi, My name is David Robertson and I think  I may owe you some money". And then give them Bush's phone number probably shouldn't have tanked a season with a fake injury just so my team could get a top draft pick, but hey, I won a trophy.

 
2013-10-16 03:22:46 AM

Point02GPA: David Johnson...dammit.


Unavailable for comment.
 
2013-10-16 03:23:43 AM

HighOnCraic: Point02GPA: David Johnson...dammit.

misterirrelevant.com

Unavailable for comment.

 
2013-10-16 03:28:57 AM
I've been getting collection calls for "Robert Mugabe". Good luck with that.
 
2013-10-16 03:31:16 AM
So the lesson is: Parents, don't give your kids generic names like "David", especially if your last name is also generic like "Johnson".
 
2013-10-16 03:31:23 AM
I've currently got some scam organization calling me and sending me junkmail claiming I'm over sixty days in arrears with my student loans and that they can consolidate my private and federal loans together.

/oh rehehealy.
//I was not very nice to them on the phone
/these people are scum
 
2013-10-16 03:32:51 AM
I recently had an experience where a collector I paid a closed and in dispute macys account off, failed to report that I had paid them, so a second collection agency tried to collect the same debt, only a different amount. I'm guessing I had a legitimate complaint wherein I could have sued parties involved for five times the amount of that paltry amount, because when I contacted the bbb again, after already having done so over Macys shady shiat, I got an executive who gave me her personal office number and extention, as well as letters I asked for confirming the debt was paid, and the promise that it would be removed from my credit report within the week.

I told the uncooperative collection agency with a smile they could go fark themselves. The maggot I spoke to was so flustered she told me she would have to put me on hold because she "had another call on the line" biatch how do you "get another call interrupting the customer you're already on the line with" when we already have a wait time to speak to a human.

/don't give a fark if you think I was unreasonable, I was professional, albeit clearly unimpressed.

//will never shop at Macys again because of how the dispute came up in the first place and being forced to call Macys and the first collection agency for a year before something was done because of their poor customer service and outsourced ignorance.
 
2013-10-16 03:35:35 AM
You guys are picking on an old bald headed man who will be 69 near the end of this month. Of course I make typo's. Some of the typo's are associated with aging. But, to be somewhat honest, some are made because I smoke pot. I have a Oregon medical marijuana card. It's painful being bald.
 
2013-10-16 03:35:39 AM
"Collecting on people who have never owed money and causing very much stress and harm  to someone's credit rating...why would they do that?"

Difficult to $ay. I might $urmi$e $ome po$$ible rea$on$. Could be thou$and$ of idea$ now that I $it down to make $ome calculation$. Maybe million$ or billion$ of rea$on$.
 
2013-10-16 03:41:59 AM

Point02GPA: You guys are picking on an old bald headed man who will be 69 near the end of this month. Of course I make typo's. Some of the typo's are associated with aging. But, to be somewhat honest, some are made because I smoke pot. I have a Oregon medical marijuana card. It's painful being bald.


Heh, nobody is picking on you. "David Johnson"/"David Robertson" is one of the more innocuous typos in the storied history of Fark. The truth of the matter is, we're just all smartasses.
 
2013-10-16 03:44:10 AM
We

seventypercent: Point02GPA: You guys are picking on an old bald headed man who will be 69 near the end of this month. Of course I make typo's. Some of the typo's are associated with aging. But, to be somewhat honest, some are made because I smoke pot. I have a Oregon medical marijuana card. It's painful being bald.

Heh, nobody is picking on you. "David Johnson"/"David Robertson" is one of the more innocuous typos in the storied history of Fark. The truth of the matter is, we're just all smartasses.


Well...OK.
 
HBK
2013-10-16 03:46:43 AM
This issue came up in a sales meeting when I was an executive at a collection agency. A local utility company came in to consider using our billing and collection services. It went about like this:

UC: We want you to credit report our customers who don't pay their bills.
Me: Totally doable... all we need is a SSN, do you have your users disclose that when they sign up for services?
UC: Uhh, no.
Me: Okay, do you get their birthdays and last four of the SSN?
UC: No.
Me: Just birthdays then.
UC: Uhh no.
Me: Do you do anything when you sign these people up? Credit reports? A photocopy of their IDs? Anything to verify their identities?
UC: They fill out the registration form.
Me: We will not credit report people without a way to verify their identity.
UC: Well we'll go with someone else then

The scary thing was that they probably found a collection agency that totally did exactly what I refused to do. While there are ways to get a good guess that you're credit reporting the right person (lexis searches tying names to addresses, etc.), those don't really cover instances where the debtor has a common name or when there's a Jr./Sr. situation. I wouldn't risk it because of the headache it can cause a misidentified consumer and because of the legal liabilities.

If this happens to you tell the company that they need to hotshot or bullseye the report. This procedure will erase the record from your credit reports immediately. It's different than the normal reporting process which is usually just a monthly data dump, it also costs the collection agency more money (like $5-20 rather than $0.005 for a regular report) so a collection agency with tight margins may be hesitant to do it. If they refuse to do it or if the ding stays on the credit report for 35 days after your request, contact a consumer protection or collections law attorney.
 
2013-10-16 03:51:24 AM

Quantum Apostrophe: Yet another example of how the whole "house is an investment" myth is just a load of crap. Some "investment" when it falls apart at a touch like that, just when you need it most.


He still could have sold it at any time and taken the maturation on his investment. His difficulty was in being able to borrow against it. (Not a pro-collection agency comment... pro house maybe with reservations)
 
2013-10-16 03:53:21 AM
Just a harmless case of mistaken identity ...

a4.mzstatic.com
 
2013-10-16 03:57:07 AM
Pro-tip: never give out your bank account info to a creditor. Verizon is huge on this "AutoPay" thing and buries and other forms of payment in its website. Reason? Once you agree to let them take money out this way (ACH), they can do it whenever thereafter without any further consent from you. Your bank will do nothing and tell you to deal with them.
 
2013-10-16 03:57:43 AM
One thing that is not quite straight about this story is that somehow a cable company has 'ruined' this man's credit.  This is not really possible since this cable company is not trustworthy and everyone knows it.

I have had similar things happen to me (eg cell phone company said I owed $2000), and I had them in the palm of my hands.  I have AAA credit, and I know it.  I told them to remove the charge, just erase it.  If they do not, I will back-charge my credit card and file a fraud report.  They balked.  I reminded them that I have AAA credit, and they do not.  Their credit rating will not get better when I file against them, and their complaint actually carries no weight because they are known to be low-down-lying scoundrels. All that would happen is I would get a new phone company and they would lose a paying customer. They capitulated.

Thus a person who actually already has a solid credit rating has more credibility than the creditor, and can literally just ignore their complaint.
 
2013-10-16 04:02:40 AM

Point02GPA: You guys are picking on an old bald headed man who will be 69 near the end of this month. Of course I make typo's. Some of the typo's are associated with aging. But, to be somewhat honest, some are made because I smoke pot. I have a Oregon medical marijuana card. It's painful being bald.


To be fair, Dick Johnson is a better name. You just polished the story up some.
 
2013-10-16 04:13:55 AM
A while ago I was getting a lot of calls from agencies looking for a guy with the same first and last name but different middle name, most were polite and crossed me off the list.

One day there was a very rude message on my phone saying "(my firstname, lastname) you need to call me about your account number xyz".  Next day same woman, very aggressive message " you have 24 hours".

I called next day and referred to myself in the third person but not actually claiming to be a lawyer, quoting the account number she had told me was mine.  She saw through my ruse asking "Is this (firstname)?" and I said yes because hey, that's my name.  I asked her what it was about and she told me it was my XXX Bank account and readily gave me the number and amount owing.  I said, "wow, that's a lot of money, glad I'm not that guy".  She then shouted, cursed and hung up.

I immediately called back and complained to a supervisor that the idiot employee had not verified my identity, she had TOLD me it was my debt and had revealed confidential information.  Of course she started in on me but I told her to listen to the tapes;  she came back on the phone with an apology and said they had removed my phone/address from their list.

That agency never called again and I got a credit card since then so I guess it worked out OK
 
2013-10-16 04:20:17 AM

Cyclonic Cooking Action: Ask that the debt be validated, then when said validation can't be shown ask for the statement be removed from your credit report.  If they fail to remove it within 30 days, take them to small claims court and sue for the max.  Probably a default judgement in favor of the plaintiff since what are they going to show, then they are under court order to remove it.  If my credit repair memory serves me correctly.


Also contact the credit reporting agency (CRA) and dispute the trade line in your report. Once disputed, the creditor has 30 days to validate with the CRA. If the creditor fails to provide sufficient validation, the CRA ghosts the record. After that point, the creditor can keep reporting the record to the CRA, but it won't show up in the credit report.

That's how the shady "credit repair" companies work -- they dispute every negative trade line, and keep disputing them until the creditor fails to validate in time.

On the flipside, this can bite someone in the ass. One instance where a consumer disputed a late payment on his mortgage. The CRA initiated the process of validating the account and status. The mortgage company failed to respond within the 30-day timeframe, so the CRA ghosted the record. Now the mortgage doesn't show up on his credit report. That's good debt to have on your report -- now it's gone.

/used to work for one of the three big CRAs in the US
 
2013-10-16 04:29:37 AM
I DNRTFA but does Canada not have an FDCPA equivalent? An agency harassing a guy over someone else's debt is asking to get farked.
 
2013-10-16 04:34:14 AM
Well, I guess that's the sort of thing that happens with socialized healthcare. I'll be sure to thank Obama when this stuff starts happening here.
 
2013-10-16 04:41:41 AM

Quantum Apostrophe: Yet another example of how the whole "house is an investment" myth is just a load of crap. Some "investment" when it falls apart at a touch like that, just when you need it most.


This can happen to any investment.  That's why when you make one you have to discount the potential return on the investment by the risk of the investment not panning out.

That's actually what's happening here with 'credit reports' - potential lenders to an invidual makes an assessment on that individual's chances to repay and comes up with a rating for them to either set an interest rate proportionate with the discount they assign to that individual, or decline his or her business entirely.
 
2013-10-16 04:48:32 AM

Ayaitch: A while ago I was getting a lot of calls from agencies looking for a guy with the same first and last name but different middle name, most were polite and crossed me off the list.

One day there was a very rude message on my phone saying "(my firstname, lastname) you need to call me about your account number xyz".  Next day same woman, very aggressive message " you have 24 hours".

I called next day and referred to myself in the third person but not actually claiming to be a lawyer, quoting the account number she had told me was mine.  She saw through my ruse asking "Is this (firstname)?" and I said yes because hey, that's my name.  I asked her what it was about and she told me it was my XXX Bank account and readily gave me the number and amount owing.  I said, "wow, that's a lot of money, glad I'm not that guy".  She then shouted, cursed and hung up.

I immediately called back and complained to a supervisor that the idiot employee had not verified my identity, she had TOLD me it was my debt and had revealed confidential information.  Of course she started in on me but I told her to listen to the tapes;  she came back on the phone with an apology and said they had removed my phone/address from their list.

That agency never called again and I got a credit card since then so I guess it worked out OK


You keep a seperate account just for your sex stuff?
 
HBK
2013-10-16 04:53:35 AM

Fafai: Ayaitch: A while ago I was getting a lot of calls from agencies looking for a guy with the same first and last name but different middle name, most were polite and crossed me off the list.

One day there was a very rude message on my phone saying "(my firstname, lastname) you need to call me about your account number xyz".  Next day same woman, very aggressive message " you have 24 hours".

I called next day and referred to myself in the third person but not actually claiming to be a lawyer, quoting the account number she had told me was mine.  She saw through my ruse asking "Is this (firstname)?" and I said yes because hey, that's my name.  I asked her what it was about and she told me it was my XXX Bank account and readily gave me the number and amount owing.  I said, "wow, that's a lot of money, glad I'm not that guy".  She then shouted, cursed and hung up.

I immediately called back and complained to a supervisor that the idiot employee had not verified my identity, she had TOLD me it was my debt and had revealed confidential information.  Of course she started in on me but I told her to listen to the tapes;  she came back on the phone with an apology and said they had removed my phone/address from their list.

That agency never called again and I got a credit card since then so I guess it worked out OK

You keep a seperate account just for your sex stuff?


Hello? We're calling because we noticed noticed that you've overdrawn your spank bank.
 
2013-10-16 05:04:23 AM

Quantum Apostrophe: Yet another example of how the whole "house is an investment" myth is just a load of crap. Some "investment" when it falls apart at a touch like that, just when you need it most.


LOL. Someone get this guy a dictionary.
 
2013-10-16 05:17:32 AM

Monkeyfark Ridiculous: I DNRTFA but does Canada not have an FDCPA equivalent? An agency harassing a guy over someone else's debt is asking to get farked.

It falls under provincial jurisdiction so there's no uniform law like the FDCPA but broadly speaking yes there is. Where it gets interesting is when the creditor, the debtor, and the agency are all in different provinces with slightly different laws. In British Columbia, for example, you can demand that all further communication take place by registered mail. This costs the agency a small fortune so they tend to go away very quickly if they're fishing at all and not very sure you're the right person and the debt is valid.

I did this a couple of years ago to an agency that was after me for a "private parking ticket" that was completely bogus, and it worked like a charm.

 
2013-10-16 05:34:35 AM

Perducci: So the lesson is: Parents, don't give your kids generic names like "David", especially if your last name is also generic like "Johnson".


This is why I called my son Kahydyhn, most people go for one Y sub but never both and I've never seen the silent Hs.
 
2013-10-16 05:42:00 AM
Ok, Fark Legal Scholars: Would this guy have a case if he sued for slander/libel? This company has damaged his good name and reputation with false information, after all.
 
2013-10-16 05:57:55 AM

Gortex: Ok, Fark Legal Scholars: Would this guy have a case if he sued for slander/libel? This company has damaged his good name and reputation with false information, after all.


Defamation if he could show that the false report was malicious, I think.

/not a canuckian legal beaver
 
2013-10-16 06:06:42 AM

AverageAmericanGuy: Not that a real person would actually work in one of those rat dens.


I got a call that I was behind on one of my student loans.  I didn't think I was behind so asked how I was behind:

Collection Agent: Sir you have paid less than required
Me: Did I miss payment?
CA: No sir, you have made all your payments
Me: Did I under pay one month?
CA: No sir, all your payments were for the correct amount.
Me: Are you charging me the correct amount to be current?
CA: Yes sir, we are charging the correct amount.
Me: Did I get a late fee or some penalty?
CA: No sir.
Me: So if I've made all my payments, on time for the correct amount how can I be behind.
CA:You haven't paid enough.

/I swear he would have failed the Turing Test.
//After going through the whole life of the loan it turns out Bank though a payment labeled in two places as February was a 40 day early March payment and I skipped February's payment.
///If something like this ever happens the easiest thing to do is assume the identity of a child who died in infancy.
 
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