3 ms·

i have been getting crushed by these. i freely admit that the debt is my responsibility ~6k credit cards. but every day 5 calls. fake numbers from my area code

i have been getting crushed by these. i freely admit that the debt is my responsibility ~6k credit cards. but every day 5 calls. fake numbers from my area code (town over) my state doesnt have a chase bank in it and prob no capital one either. 2 months late. call back after i have the money and say i will pay current in a week. all of the collection department (to be clear these are still part of the bank, represented themselves as banking employees, and get routed via a bank number) they offered me $90 bucks off. call back to make direct payment in line with the verbal agreement. them: sir i have no call notes me: ok, let me look. i actually do think i said i would phone you back and pay i have that in my call notes. Them: yes, it says you owe us $100 today. me : (whered those notes come from mate) oh, ok so you were able to find thr notes. do you have the paymeny arrangements i made with lisa? Them : no. me: she offered me an arrangement. them: oh i do see that yes $30 dollars me: (i have detailed call notes with her and everones employee number i spoke with extrapolating the rapidly illegitimate deal they can't put in writiing because it is a service and convenience) sure, well she offered me $90 and i will pay right now, even though i said it wpuld be a week, if you give me the deal she offered which might be in the notes if you look closer (you lieing dickhead) them: no sir, i can give you $30. me: let me think about it and consult my notes, i don't feel confortable paying today. them: ok ---- 2 minutes elapse robo call local number from town over of 7k people. on line don't answer. -- robocall from same number. demanding payment. have similar accent to callcenter people, act like they arent affiliated. look, my fault for not paying and sure i broke the agreement, but fuck this. i dont have to pay i will just never get a credit card this decade. but im trying even on shitty financial terms now to pay you because it is an obligation. but calling me 5x times from fake numbers is fucked up on a 2 missed payments over 2+ years of good standing. couldnt imagine what actual collections would do. this story was about fictional bank p.j morgones. also i want to note capital one was cool about it and as professional (or more) than me as i dis reneg on my card services agreement and they called from their real number

jbooth 11y ago
That sounds like it's not the bank, but some shady player that the bank sold your debt to for .01 on the dollar. If you want to settle the debt, do some research on these players so you don't just throw the money away without getting any credit for it on your credit report.
- vonklaus 11y ago
  correct. I also believed I had been sold to a "debt collector". I do not know much about this, and it may be true but I spoke with the bank directly and they said that was not the case and the main switchboard provided the number to the collections office. I confirmed the outgoing wire to chase so it is possible that the debt has been sold but they are still representing it? I did a bit of research but someone on reddit suggested a site that provides credit reports and info about the debt and it doesn't appear to be resold but who knows what "resold" means. Maybe they do it like subprime mortgages and bundle them up or something. If anyone sees this, my advice is find the main phone number of your bank and ask to speak to customer service/ client services so you know you are dealing with them. take as many notes as possible and record the call if you want. They will specify every phone transfer and often you are being recorded and IANAL but if a disclosure like this has been said, you may be able to record them, if unsure announce you are on the call. pay directly to the creditor and get as much info as possible. don't get in massive amounts of debt as it sucks.

jbooth 11y ago

That sounds like it's not the bank, but some shady player that the bank sold your debt to for .01 on the dollar. If you want to settle the debt, do some research on these players so you don't just throw the money away without getting any credit for it on your credit report.

vonklaus 11y ago
correct. I also believed I had been sold to a "debt collector". I do not know much about this, and it may be true but I spoke with the bank directly and they said that was not the case and the main switchboard provided the number to the collections office. I confirmed the outgoing wire to chase so it is possible that the debt has been sold but they are still representing it? I did a bit of research but someone on reddit suggested a site that provides credit reports and info about the debt and it doesn't appear to be resold but who knows what "resold" means. Maybe they do it like subprime mortgages and bundle them up or something. If anyone sees this, my advice is find the main phone number of your bank and ask to speak to customer service/ client services so you know you are dealing with them. take as many notes as possible and record the call if you want. They will specify every phone transfer and often you are being recorded and IANAL but if a disclosure like this has been said, you may be able to record them, if unsure announce you are on the call. pay directly to the creditor and get as much info as possible. don't get in massive amounts of debt as it sucks.