With today's technology, the debt collector or creditor should not only record the conversation, but provide the recording to the consumer via an email link as well as to a repository within the FTC / CFPB in via an email link. This way everything is documented. This would curb the verbal abuses and threatening attempts some rogue collectors practice. If a dispute is made by the consumer over a debt, they can document the call, yet the debt collector or creditor cannot provide thier copy of the call, then the debt is CLEARED. That will force the debt collectors and creditors to obey the law. This is an easy process to implement given today's technology.
I have been called by a bill collector and asked for somebody who I had no knowledge of, we'll say "Joe Smith". I say "Joe Smith doesn't live here. In fact, I have never heard of Joe Smith". The caller states: "Well, do you have Joe's current phone number?" I say "I repeat, I don't know a Joe Smith".
The collection agency caller states "I'm sorry I am not allowed to remove this number from our database unless a new number replaces it."
Oh, come on now, seriously?
If I ever tell a collector that I'm recording the conversation, the call ends rather abruptly or the calls just stop.
Yet, I'm expected to be recorded whenever they initiate the call. They expect me to have an expectation to be recorded when they want to attempt to collect a debt, but the minute I want to record them while I dispute a debt, that's out of bounds...
linalex61
1
This should really stop. no one can talk at work and should not.
View this comment in the discussion thread
bvogler
2
With today's technology, the debt collector or creditor should not only record the conversation, but provide the recording to the consumer via an email link as well as to a repository within the FTC / CFPB in via an email link. This way everything is documented. This would curb the verbal abuses and threatening attempts some rogue collectors practice. If a dispute is made by the consumer over a debt, they can document the call, yet the debt collector or creditor cannot provide thier copy of the call, then the debt is CLEARED. That will force the debt collectors and creditors to obey the law. This is an easy process to implement given today's technology.
View this comment in the discussion thread
TaxGuy
3
I have been called by a bill collector and asked for somebody who I had no knowledge of, we'll say "Joe Smith". I say "Joe Smith doesn't live here. In fact, I have never heard of Joe Smith". The caller states: "Well, do you have Joe's current phone number?" I say "I repeat, I don't know a Joe Smith". The collection agency caller states "I'm sorry I am not allowed to remove this number from our database unless a new number replaces it." Oh, come on now, seriously?
View this comment in the discussion thread
Gevian
4
If I ever tell a collector that I'm recording the conversation, the call ends rather abruptly or the calls just stop. Yet, I'm expected to be recorded whenever they initiate the call. They expect me to have an expectation to be recorded when they want to attempt to collect a debt, but the minute I want to record them while I dispute a debt, that's out of bounds...
View this comment in the discussion thread