That's not true in my experience. Unethical debt collectors just ignore requests now.
Most consumers also don't know that debt collectors can call you to collect a debt on any phone number you have used to contact the company or provided the company. So calling your credit card company from your best friend's home phone, your neighbor's phone, or your relative's house puts their phone numbers on your contact list. This practice needs to be changed to protect the confidentiality of the debt collection process.
Welcome to Regulation Room, R N. Can you tell us more about when collectors should be able to call consumers at work, and why? Knowing more about your reasons or personal experiences will help CFPB know what things it should keep in mind if it decides to make a rule about how, when, and where collectors can call consumers.
Actually a dialer does not call back. Your dialer has been purposely setup that way by YOUR IT dept. Would you like to compare notes? I bet you would lose in the knowledge of dialers.
"You should just answer and ask them not to call you."
see robocalling, picking up just lets them know this is the prime time to make future calls since you're home at this time. Account keeps changing hands, repeat.
"It takes time for us to update our do not call lists..."
Sorry, but you are mistaken about debt collectors not being able to change information in your credit file. Yes, they can, and yes they do.
If my account has been sold (several) times to other people, and my original creditor no longer owns the account, then how would my account be (updated/reported) by that company (debt collector) that purchased it?
And, yes they (the person furnishing) the information to the credit bureau can and do supply credit bureaus with fraudulent information. That's how Debt Collector's get sued in the first place.
You are a liar! I have been harassed for over 5 years by companies looking for someone I have never heard of because this person put a random string of our area code, local exchange and 4 numbers together (that turned out to be my number) on a loan that he then defaulted on. I have told them to stop calling, they have a wrong number, and guess what??? 5 Years later, they are still calling!
Because it it the consumer's phone and that is their right! Why should the consumer pay to be harassed?! Put the cost of doing this business where it belongs, which is on the companies not the consumers! I pay for my cell phone, I pay for the minutes, and I am the person that will decide how they are used and who will call me, not these shady, nasty companies! Which one do you work for by the way?
The original comment was suggesting that anytime a debt collector calls they are automatically agreeing to be recorded if the consumer chooses to do so. I think that is a FANTASTIC idea.
Explaining why the repeat phone call abuse happens does not justify it. Apparently there are autodialers that call several consumers at the same time, than hang up on all but the first consumer that answers the phone. The result is a person can get several collection calls and hang ups through out the day, that is just not right.
I am saying that collection agencies cannot be trusted and more often than not go beyond their job scope. Some act as loan sharks and not collection agencies. I also think that their behavior is criminal when it comes to making threats against consumers and harassing people with disabilities and seniors. So, yes i think criminal charges should be pursued for their cover ups and harassment. Also other violations of privacy and fairness.
Cindy L.
1
That's not true in my experience. Unethical debt collectors just ignore requests now. Most consumers also don't know that debt collectors can call you to collect a debt on any phone number you have used to contact the company or provided the company. So calling your credit card company from your best friend's home phone, your neighbor's phone, or your relative's house puts their phone numbers on your contact list. This practice needs to be changed to protect the confidentiality of the debt collection process.
View this comment in the discussion thread
Moderator
2
Welcome to Regulation Room, R N. Can you tell us more about when collectors should be able to call consumers at work, and why? Knowing more about your reasons or personal experiences will help CFPB know what things it should keep in mind if it decides to make a rule about how, when, and where collectors can call consumers.
View this comment in the discussion thread
quino1974
3
I think charges should be pursued.
View this comment in the discussion thread
stopwithspoofedcallerID
4
Actually a dialer does not call back. Your dialer has been purposely setup that way by YOUR IT dept. Would you like to compare notes? I bet you would lose in the knowledge of dialers.
View this comment in the discussion thread
CG
5
"You should just answer and ask them not to call you." see robocalling, picking up just lets them know this is the prime time to make future calls since you're home at this time. Account keeps changing hands, repeat. "It takes time for us to update our do not call lists..."
View this comment in the discussion thread
Patpc101
6
Sorry, but you are mistaken about debt collectors not being able to change information in your credit file. Yes, they can, and yes they do. If my account has been sold (several) times to other people, and my original creditor no longer owns the account, then how would my account be (updated/reported) by that company (debt collector) that purchased it? And, yes they (the person furnishing) the information to the credit bureau can and do supply credit bureaus with fraudulent information. That's how Debt Collector's get sued in the first place.
View this comment in the discussion thread
DianeMathers
7
You are a liar! I have been harassed for over 5 years by companies looking for someone I have never heard of because this person put a random string of our area code, local exchange and 4 numbers together (that turned out to be my number) on a loan that he then defaulted on. I have told them to stop calling, they have a wrong number, and guess what??? 5 Years later, they are still calling!
View this comment in the discussion thread
DianeMathers
8
Because it it the consumer's phone and that is their right! Why should the consumer pay to be harassed?! Put the cost of doing this business where it belongs, which is on the companies not the consumers! I pay for my cell phone, I pay for the minutes, and I am the person that will decide how they are used and who will call me, not these shady, nasty companies! Which one do you work for by the way?
View this comment in the discussion thread
Lori
9
Obviously you are a collector. [remainder of comment was removed by moderator for violating site terms of use]
View this comment in the discussion thread
Debt Neutrality Petition
10
The original comment was suggesting that anytime a debt collector calls they are automatically agreeing to be recorded if the consumer chooses to do so. I think that is a FANTASTIC idea.
View this comment in the discussion thread
Debt Neutrality Petition
11
Explaining why the repeat phone call abuse happens does not justify it. Apparently there are autodialers that call several consumers at the same time, than hang up on all but the first consumer that answers the phone. The result is a person can get several collection calls and hang ups through out the day, that is just not right.
View this comment in the discussion thread
Joaquin Farinas
12
I am saying that collection agencies cannot be trusted and more often than not go beyond their job scope. Some act as loan sharks and not collection agencies. I also think that their behavior is criminal when it comes to making threats against consumers and harassing people with disabilities and seniors. So, yes i think criminal charges should be pursued for their cover ups and harassment. Also other violations of privacy and fairness.
View this comment in the discussion thread