800-232-2546
Angry
Angry
2011-06-06 20:57:20
Unknown
I called them about an account that they said I owed an phone company which I have never used.   Called that phone company that haven't heard of me.  Called KCA back they were rude demanded money but would not send me paperwork saying what it's about.   So I told them I am not paying them anything until I see paperwork.
Kevin
Kevin
2009-10-29 15:54:36
Debt Collector
This is KCA, a collection agency.
Betty
Betty
2009-09-14 17:03:32
Unknown
I received several calls from this number. When I answer they just call me by my name when a say "Yes?" they hang up. In other ocasion I ask who he was and hanged up again. I don't want to be disturb by them anymore. Please do something about it.
mrt32486
mrt32486
2009-05-19 19:25:58
Unknown
A man called and asked for Erica. I said that you have the wrong number. He asked what my name was. I asked what his name was, he said Tom Anderson. I asked what the call was about and he got quite short and asked me what my name was again. I said hey you are calling my phone. There is no Erica here. He said I will continue to call your phone. I said go for it. They have not called back as of yet.
Ladybug
Ladybug
2009-02-19 21:52:33
Unknown
Pretty much the same ... please hold or call us back
Ms. Keen
Ms. Keen
2009-02-04 18:37:11
Unknown
Just calls and never says anything or never leaves a message
Mallah
Mallah
2009-01-15 21:14:04
Debt Collector
Hi All,

Use the following information to stop those idiots from calling:

Facts for Consumers

   * PDF Format
   * En Español

   * Email

Fair Debt Collection

If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector."

You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe.

This brochure answers commonly asked questions about your rights under the Fair Debt Collection Practices Act.
What debts are covered?

Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care, or for charge accounts.
Who is a debt collector?

A debt collector is any person who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis.
How may a debt collector contact you?

A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts.
Can you stop a debt collector from contacting you?

You can stop a debt collector from contacting you by writing a letter to the collector telling them to stop. Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it. You could still be sued by the debt collector or your original creditor.
May a debt collector contact anyone else about your debt?

If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.
What must the debt collector tell you about the debt?

Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.
May a debt collector continue to contact you if you believe you do not owe money?

A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.
What types of debt collection practices are prohibited?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, debt collectors may not:

   * use threats of violence or harm;
   * publish a list of consumers who refuse to pay their debts (except to a credit bureau);
   * use obscene or profane language; or repeatedly use the telephone to annoy someone.

False statements. Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:

   * falsely imply that they are attorneys or government representatives;
   * falsely imply that you have committed a crime;
   * falsely represent that they operate or work for a credit bureau;
   * misrepresent the amount of your debt;
   * indicate that papers being sent to you are legal forms when they are not; or
   * indicate that papers being sent to you are not legal forms when they are.

Debt collectors also may not state that:

   * you will be arrested if you do not pay your debt;
   * they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
   * actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.

Debt collectors may not:

   * give false credit information about you to anyone, including a credit bureau;
   * send you anything that looks like an official document from a court or government agency when it is not; or
   * use a false name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:

   * collect any amount greater than your debt, unless your state law permits such a charge;
   * deposit a post-dated check prematurely;
   * use deception to make you accept collect calls or pay for telegrams;
   * take or threaten to take your property unless this can be done legally; or
   * contact you by postcard.

What control do you have over payment of debts?

If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe.
What can you do if you believe a debt collector violated the law?

You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney' s fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collector' s net worth, whichever is less.
Where can you report a debt collector for an alleged violation?

Report any problems you have with a debt collector to your state Attorney General's office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General' s office can help you determine your rights.

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
March 1999

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Last Modified: Thursday, 08-May-2008 17:01:00 EDT
CS
CS
2009-01-03 15:37:52
Unknown
http://www.kcafs.com/newsite/contact.htm
Corporate Office:

628 North Street - Geneva, Illinois 60134

Tel: (800) 232-2546 /  Fax: (630) 232-0561

info@kcafs.com

Maybe pay Mr. Martin a personal visit?
Confused
Confused
2008-11-26 22:03:01
Unknown
Got a call from them, I answered assuming it was work related since a client number is close to theirs. They called on a debt that was paid months ago after having gone into probate.

Seems they want nearly 50% than what the debt was for. Odd.
CallBlockingQueen
CallBlockingQueen
2008-11-24 23:16:31
Debt Collector
I see many of you reporting this phone number as KCA Financial Services Inc, but my Caller ID displays: GCA FNC SVC INC  

*GCA instead of KCA
NANDO301
NANDO301
2008-11-13 14:53:55
Unknown
This Jim Martin guy keeps calling me at work and home for a peoples energy bill that belong to a tenant..  My mother owed this building I would help her out with and somehow I got stuck with these dam gas bills. Apparantly these people never changed the gas bill, (i did fax the leases over to peoples energy and apparantly they never received them) (twice faxed) This Jim Martin started screaming, calling me a deadbeat and even threaning me. what can I do?  I cannot find those tenants anymore, It's on my credit. I check with people's energy yesterday and it's seems im stuck with the bill. I told Jim Martin i am willing to work something out with him but i dont have any any money till next month so he got angry and started screaming and calling me names. He wont stop calling me at work or at home. So dam rude... and clearly inprofessional.
san
san
2008-10-24 19:29:52
Unknown
Jim martin called and has been calling me since May 2008, i am 70 yrs old and he is the biggest, rudest, un human being I have ever talked to.  They absolutely delight in harrassement of the vilest kind.  They want proof of bill that is paid but will not tell you how to reach them to do it.  They just keep insulting and harrassing you.  Been doing it to me since May 08 and I keep saying I want to send you proof it is paid and he won't give me fax number that works or an address.  I sincerely hope he gets what he deserves in the hereafter.
san
san
2008-10-24 19:24:57
Unknown
It is kca financial collection agency.  very rude people
Anony Mous
Anony Mous
2008-09-25 20:57:12
Debt Collector
Anyone who wants to go over there... here is their physical address (something I am sure they do NOT want you to know on the phone). I have been annoyed by them a bit, but I have a strict practice of not answering numbers I am not familiar with. They don't generally leave messages.

KCA Financial Services
628 North St
Geneva, IL 60134  
US
Whatever
Whatever
2008-08-01 16:14:21
Debt Collector
I too have received calls from this 800 number and several others that all seem to have been reported as KCA.  Since I've never received a bill from them and have no clue what it's in regards to except maybe a $200 hospital bill, and I'm only guessing here as I don't owe money to anyone else, when they call...I tell them wrong number and that there is no one at my number by my husbands name.  In this day and age of identity theft and scams left and right, my thought is if I owe anyone money and I've never received a bill, I certainly woke speak with anyone on the phone and give any kind of information.  
Despite telling them they have a wrong number, I've yet to have received written correspondence regarding their matter so tough for them, but they have used several other phone numbers including both live people and automatic callers to try to sneak around my "you have the wrong number".  I won't give...tough.
Alfalfa
Alfalfa
2008-06-28 16:02:39
Unknown
KCA Financial Services Inc.
Private Company, Headquarters Location
Geneva, IL 60134 United States
(630) 232-2545 , (630)232-0561 fax
http://www.kcafs.com
Company Description: Services: Collection agency

http://goliath.ecnext.com/coms2/merc-compint- ... rvices-Inc.html

Now that you have their mailing address, you can send them this letter DEMANDING that they validate the debt they are harassing you about. Send it VIA Certified Mail and request a return receipt:


Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

KCA has already violated Section 809 of the FDCPA by refusing to provide validation of this alledged debt, and you can inform them the next time they call that their failure to respond to the written request you are sending them will result in them being reported to the FTC.

§ 809.  Validation of debts   [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

http://www.creditinfocenter.com/legal/FDCPA.shtml#809
BruceMan
BruceMan
2008-03-17 18:44:56
Unknown
I just received a call that came from "Operator" on my caller ID.  I answered it and it said, "Please hold for the next available agent.  If you want to call us back, please call 800-232-2546."  I just hung up as well.
Irritated
Irritated
2008-03-12 01:45:50
Debt Collector
I received a call at 8pm today!!  They asked for me then asked me to verify my last name without even telling me who they were.  When I said to the women on the phone well you called me who are you, she got snotty with me.  Then she told me she was calling from Rush Copley Hospital.  I had already been speaking with someone at Rush Copley so I don't understand.  She explained to me that I have an outstanding balance (duh).  I told her that my account has been noted so she should look at the notes.  She told me that she cannot see those notes.  I told her then as part of her routine she should verify with other financial departments at the hospital before calling someone.  She threaten to put my account into collection.  I told that if she did she would be talking to my attorney.  I found out later, thru the miracle of Google, that she works for a collection agency called KCA Financial.
Buddy
Buddy
2007-10-16 14:55:12
Debt Collector
I've received a number of calls from these guys. They're a collection agency that was coming after me for an old disputed gas bill I'm working on with a local authority. At first I tried to work with these guys, then when KCA agent Jim Martin came back to me with an awful deal which I refused, he got angry, belligerent and started calling me names. I refuse to be talked to in that way and told him to never call me again yet he persists.
cafe
cafe
2007-08-07 22:25:54
Debt Collector
Called at 6:22 PM
06Busa
06Busa
2007-08-02 16:44:02
Unknown
last post caller id Was wrong.
ceighner is me.
06Busa
06Busa
2007-08-02 16:42:38
Unknown
I got the same automated call from 1-800-232-2546. Why is it calling a work #?
vQuestion
vQuestion
2007-07-10 17:40:40
Unknown
I just received a call that came from "630" on my caller ID.  I answered it and it said, "Please hold for the next available agent.  If you want to call us back, please call 800-232-2546."  I just hung up.

Anyone know what this is about?
Akon
Akon
2007-06-27 18:02:36
Unknown
Guy calls anywhere from 8:40am to 6pm. Introduces himself as "Mr. Garcia" with no clear reason for calling. As he finishes his message, he says, "Best of luck to you." What does that mean? Must be a collection agent?
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