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GC Services Complaint - Violation of "FDCPA" - Obtaining personal information and using it! Fraudulent
Obtaining personal information and using it! Fraudulent - Complaint
HOUSTON, TEXAS -- WHO IS REALLY RELIABLE HERE!! Government needs to check on agancies like this!
This company GC Services Limited Partnership Collection Agancy Division
6330 Gulfton, Houston, TX 77081
Citi Bank Sells our consumer information to this company once a card has been closed. The GC Services then takes that info uses it to obtain other info for there own collection purposes, like calling relatives and asking info they already know. They will say CITI BANK gave them the info which again is not true at all, even though Sears company & CITI Bank says they have nothing to do with the account anymore and it belongs to GC Services, they should not allow the company any other peoples information never to sell anything to this GC Services company again why would you after they accuses Sears or CITI bank of something they have not even done. This company says they got personal information provided to them by CITI Bank Citi bank denied that fact, these GC Services are cold hearted ppl that will act like they have a right to have your info DON'T GIVE IT TO THEM! They have called our family and left messages with them to give to us, even though we have spoken to them 3 days prior & updated our information. When asked what the purpose for the call to our parents was they responded with "for location purposes" which like I said we already updated out info with them 3 days before they called our family. I even told [snip] extension I will keep private, I let her know I had not received the paper from GC SERVICES yet to verify they have my account. And that as soon as I do we could discuss further payment plans, I did not even get that written letter before she already called our family. No reason for that call to be made when they had our current address our current phone number and all info they needed to contact us. Very rude company, [snip] transferred me over to her supervisor [snip], which did not answer any of my questions and I started recording the conversation, they assured me all they "FDCPA" laws were being followed, but I assure you they are not. There is no reason for these ppl to harass us, do internet searches they need to be honest if/when they do. I encourage everyone to record any conversation you may have with this company, (letting them know of course).
But also please let CITI bank know what kind of ppl they are selling our information to, crooked ppl even if they (Sears- Citi Bank) don't have control any, more they did before they handed it over to these collection agency. PLEASE HELP OUR FELLOW MAN LET OTHER KNOW please thank you
This company GC Services Limited Partnership Collection Agancy Division
6330 Gulfton, Houston, TX 77081
Citi Bank Sells our consumer information to this company once a card has been closed. The GC Services then takes that info uses it to obtain other info for there own collection purposes, like calling relatives and asking info they already know. They will say CITI BANK gave them the info which again is not true at all, even though Sears company & CITI Bank says they have nothing to do with the account anymore and it belongs to GC Services, they should not allow the company any other peoples information never to sell anything to this GC Services company again why would you after they accuses Sears or CITI bank of something they have not even done. This company says they got personal information provided to them by CITI Bank Citi bank denied that fact, these GC Services are cold hearted ppl that will act like they have a right to have your info DON'T GIVE IT TO THEM! They have called our family and left messages with them to give to us, even though we have spoken to them 3 days prior & updated our information. When asked what the purpose for the call to our parents was they responded with "for location purposes" which like I said we already updated out info with them 3 days before they called our family. I even told [snip] extension I will keep private, I let her know I had not received the paper from GC SERVICES yet to verify they have my account. And that as soon as I do we could discuss further payment plans, I did not even get that written letter before she already called our family. No reason for that call to be made when they had our current address our current phone number and all info they needed to contact us. Very rude company, [snip] transferred me over to her supervisor [snip], which did not answer any of my questions and I started recording the conversation, they assured me all they "FDCPA" laws were being followed, but I assure you they are not. There is no reason for these ppl to harass us, do internet searches they need to be honest if/when they do. I encourage everyone to record any conversation you may have with this company, (letting them know of course).
But also please let CITI bank know what kind of ppl they are selling our information to, crooked ppl even if they (Sears- Citi Bank) don't have control any, more they did before they handed it over to these collection agency. PLEASE HELP OUR FELLOW MAN LET OTHER KNOW please thank you
Comments:
Posted by goduke on 2010-02-01:
I'm pretty sure that once Citi has written it off and sold the bad debt, they aren't really concerned with the customer's thoughts on the company to whom the debt is sold. So exactly which portion of the FDCPA did the violate?
Raven should be able to weigh in on this company. Any experience, Raven?
Raven should be able to weigh in on this company. Any experience, Raven?
Posted by Talk360 on 2010-02-04:
tHEY VIOLATED parts of the FDCPA like for instance, Conctacting our family for information that was already known to them. I had spoke with them 3days prior confirming all my info, informed them i was waiting for there officail letter to arrive by mail.They made 1 call to us , and expected us to believe evrything they said & pay whatever without anything in writting (i dont think so,lesson learned b4). I asked how they obtained that # to begin with, they stated:"it was on your account under account refrence when you very first signed up for the card" Said GC Services limited partnership collection agency division. Citi Bank confirmed that # was never on my account, Yet GC still sticken to the story citi provided it to us. Citi probably doesnt care about the account at all after it gets past down they should. If banks sold accounts to proffessional companys then it might help the collection proccess a bit/4 every1. I was never told where the number came from for real if it was off the internet or they used phone books tell me that, why lie about how they got my familys # unless it was illegal/?/right. $97 in just fees alone in 1 month is outrages (not sayen thats a crime). I asked about interest fees and ck process informantion which i was told its all the same as "Sears" policy & proceedure. If they didnt want to explain it i would have wrote a letting asking for it, which they never explained it nor did htey ever say i can mail you/ or you can write us for that info in writiting. They made it very clear stateing "CITI BANK" ownes my account card was under & that they are the worlds largest bank-GC saying"You do not want to mess up with them". Like what was the reason behind that, needing to be said out of the blue? Nor did they verify any of ny husbands information for security purposes, they just took my word on it during a conversation with Steddford & Hazard. Im sure im not the only 1 that thinks making sure its the right person is important.Im just now reading up on all the laws & helpful hints ^its a pain
Posted by LadyScot on 2010-02-04:
It is standard for a collection agency or 3rd party collection agency to attempt to verify any info they have on a debt they have taken over. Just because Citi knew your info was correct, GC doesn't. Otherwise, to them it should have been collectible. If the account has been sold, then you deal with the new account holder. As to how they get your family's numbers. Skip tracers are good at their jobs.
I love when people don't pay their bills always get bent out of shape hollering about the collection practices. Just pay what you owe and you won't have to deal with them.
I love when people don't pay their bills always get bent out of shape hollering about the collection practices. Just pay what you owe and you won't have to deal with them.
Posted by Talk360 on 2010-02-08:
Once Citi bank puts a debt as "bad debt" otherwise write it off, they sell it. Meaning that the new company must send out there own privacy policies and own verbal contracts are made (promises).I'm pay all the bills i owe But i will not pay for what i don't or set myself up for failure.Ive been screwed only by doing the right thing setting the payments up, asking all the info,collectors hanging up on me Creating aliases for me posting them on my credit Report.They lost my automatic information w/ auto-pay.If companies wanna charge me fees for my stupidity. If i mess up & don't make the bill for whatever reason "cool" my bad ya know did it i understand.But when my personal affairs get involved and the companies don't wanna play by the rules anymore.They need to admit it like i have done, certainly there are circumstances for every situation. But for employees to judge the costumer badger them annoy them is not accomplishing anything.The job is to collect & help insure that payment get delivered not deter them from paying.Never assume unless you know the real situation, you could end up on the wrong end of the table.Companies & there employees need to change the way it works & the way they treat the consumers that put them in business.
Posted by DebtorBasher on 2010-02-10:
Talk360...did you use that phone number as a 'reference' when you applied for credit? Applications usually ask for references and they will often use that info to contact the debtor if they need to. I know there's been collection agencies calling here for my Brother-In-Law's contact info because he used us as a 'reference' on their application.
Posted by raven2002 on 2010-02-11:
Talk360---think about everytime you have given ANYONE your phone number. I am not going to share industry information, but I will tell you I have no less than TEN ways to find a number you use, even if the phone is not in your name.
Posted by PepperElf on 2010-02-11:
If the OP is against posting personal information
why is s/he posting someone else's full name and phone number?
But really with your full name & city & state anyone can find your info.
I personally prefer using http://www.zabasearch.com
but there's others that contain even more information
all of it from public records
why is s/he posting someone else's full name and phone number?
But really with your full name & city & state anyone can find your info.
I personally prefer using http://www.zabasearch.com
but there's others that contain even more information
all of it from public records
Posted by Talk360 on 2010-02-17:
Thank you every one for helping me understand what i might not ever be able to, but i want to give it a shot.
Posted by Talk360 on 2010-02-17:
raven2002there may be allot of things i do not know about every time i give someone my phone number although those who i do give it out to, there is a reason. I do not post my phone number online or even have it posted in the phonebook, i usually don't mind people calling to verify information about a debt i owe. I am not very trusting to give any body or company my information when they lie to me about a very simple question on how they got my family members number. If it is not illegal than why did they just tell me the truth, what do creditors hope to obtain when they past normal boundaries to collect debts. When you push people into a corner the less likely they are to admit there mistakes or even pay the bill. Public records can be great when used for good reasons I'm all for that, what was the reason for GC services calling my in-laws after i had just spoke to them. I had no paper work from the company or had set up any payments with them why would they do this!/?
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