Ominous recorded message asking for a callback. No identity given except for number.

Ahh yes, another collector.  Called themselves Card Services, as every other credit card company collection agency does.  They refused to identify a company name.  Just gave the callback number.  sigh....

Ahh yes, Just found the name of that collector.  Card Services is Bank of America.  At least this time.....Joy.

These people called me 6 times within the last 3 days at my home number, which I cannot answer during the day since I am at work. My mother happened to answer the phone and could barely understand the caller, who seemed to be more accustomed to speaking Spanish than English. When she asked for a callback number, he provided 1-800-383-6611. I called this number from work, and listened to a recorded message in Spanish, with no English translation following. When they called my home number the next day, they provided a second number, which I called. The company called themselves "Card Services" and said that I had a payment past due on my account. I told the person on the phone I had recently made a payment, and they told me that they would make a note of that on my account. They then asked if I wanted to schedule a payment to my card through them. I had no idea if they were Bank of America or not, so I said no, that I could make a payment myself (I wasn't about to hand over my checking account number to someone on the phone).

calling several times and makes it sound like its real important issue and to call them asap

I retrieved the number 1-800-383-6611. I found out it was Bank of America credit card. I DON'T even have a credit card with them but someone I know does and my number was given to BOA as a contact number. Needless to say, when the account went a couple of payments behind, the phone calls came incessantly - a minimum of 15-30 calls per day for nearly a week!!! The calls started right at 8am and didn't stop until right at 9pm. I refused to answer (my cell phone with limited minutes) and the couple of times I did answer (to get them to stop calling so much), they wanted to put ME on hold until a representative was available on their end!!! I finally went to the Bank branch and made a payment for my friend just to get them to stop calling. They waited a couple of weeks, then the calls started AGAIN because the account was still past due, with a little bit more owing than I paid!!! It was a point of ridiculousness, to say the least and I am EXTREMELY dissatisfied with the way BOA credit chooses to do business like that. I have an appointment to speak with their credit high rankers to solve this constant calling (which I intrepret as just short of harassment).

Someone from this number calls my mom at least twice a day trying to get her to let them deduct payment for a credit card from her checking account.  They claim not to have received a payment from her for several months.  They give her the last four digits of a card she does not have.  They can't even tell her what type card it is (Visa/Mastercard, etc) only that it's a Bank of America.  She refused to give them her bank info (although they already knew some details). She told them when they sent her a statement and something to mail them back with her payment, they couldn't do that.  Because there is none to mail.  When you call this number, it does not identify what company it is.

This person keeps calling me at work claiming to be a credit branch at my bank. They wanted me to "verify" my inforamtion and call this number to make payment plans for my credit card because it was past due. I had already paid a couple of days before the due date on my bill. They said that this number was a direct line to a Tonya and a Tanya. Never called this number and the customer service number they gave me which is 1-888-998-3413.

This number is a number to FIA Card Services. It is the in house collection agency for Bank Of America. You can verify it by looking on your statements in the MISC section and it will show the company is not a scam. They have several numbers to different past due departments.

5 days past due & 30 days past due (1-800-533-0231)
90 days past due is a direct line to a supervisors desk (423-283-5053)
and this is also the number for 120 days past due.

Customer Service is (1-888-998-3413)

Hope this helps.

Received a call from 999-999-9999 - caller ID says "name not found".
They did leave a voice mail message and I was asked to call back an 800-533-0231.  Now these people are resorting to tricks?

What happened to the good old days when people didn't have to twist and lie?

Collection Agency Services - Allied Business Accounts serves as CRPHO's collection agency partner.  This partnership provides members with a significantly reduced rate on collection services for their practice.  For more information, please contact William Carlson at wc@abacollect.com or at 1-800-533-0216.  Check out their web site at www.abacollect.com.

my ex has defaulted on all her cards and this call is legitimate.

I keep getting these calls constantly.  Im so annoyed.  They said they are with FIA Card Services.  I have no idea who they are.  They come up unknown caller.  Tired of these calls constantly.

Collections call.

I am getting these calls starting at 8 am all the way past 9 pm. They don't leave a name, just a telephone number 1-800-533-0231. My husband answered once, but they continue to call.

WHAT PART OF MAKING A PAYMENT ON TIME DON'T YOU UNDERSTAND?  

No they do not have the RIGHT to call and HARRASS - specifically if the bill is already paid!

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has 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, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
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.
        February 2009

ludicrous. if you are 7-8 payments past due. they frankly have the right to call you. at home or at work. wait for a collectiona agency. they have even fewer restrictions about collecting. such as leins on assets and garnishing wages

FIA card services is Bank of america. the bank handles business for other banks so Bank of america has a vague name so there business doesn't have B of A paws on it. hope this helps. oh ... and a cease and desist letter does legally force them not to call. B of A can still choose to not to recognize it and legally continue to call. but most of the time they will recognize and cease the phone calls

taking legal action for things like this is not a valid scare tactic for calls like these, only becuase reps like myself will not get any attacks. Also we do not work on commission. and as for the hanging up or not talking. there is a machine that calls you and when you answer transfers to a rep. that rep might not be even getting the call for up to 15-20 seconds. i would say wait for it to go through and they will talk with you

I am a BAC rep that calls on this number. i would just say answer the phone and tell them, look i dont do busineed with bank of America. with all the banks being sold and bought you really might have business with them. Plus some banks dont have enough customer service and have B of A call for them. so even if you have a wachovia card or something like that B of A does handle it. hope this helps. Not doing anything and Not answering the phone is the worst thing you can do

Everytime I make a payment on my card on time to Bank of America I get a phone call saying I have not made a payment on time in 8 to 9 months and want my account info to go ahead and make the payment. I am very upset not only do they call my house and bother my family as well as me, but they are calling me at work and harassing me to give them my account info. The last time these people called they claimed they were with SecureVeri now they say that their name is FIA Card Services. I believe these people to be scam artists or someone who works at the bank and trying to embezzle money and are watching to see if someone paid on time so they can call and say you haven't.

Hi 1-800-533-0231 calls daily, finally called them back, was FIA card services and apparently it was about something on my bank of america card. The funny this was I had already spoken to bank of america and these people still continue to call!!!

Same problems as everyone else,
Might be a scam if they're asking for credit card info.
I only picked up once.
They asked for my father and I told them he wasn't around.
They're calling incessantly and they have been once an hour or so for three-four days now.

They call and leave a message saying it is imperative that you return our call today.  I called back and was on hold for over 30 minutes.

First it was FIA Card Services.  I finally sent a "Cease and Desist" Letter.  It legally requires them to stop contacting me.  Their response to that was to switch to ACT.  I will be sending them the same letter. (Google it for a free cut and paste letter).  My issue with BOA is being handled WITH BOA in a legal and appropriate manor as is appropriate for the situation.  I really don't need to be harassed.  If BOA is forwarding my info to these guys, I'm going to have an even bigger issue with BOA.

Stop the calls, Do not pass out number. Am deaf, pointless to even try. Constant, will report if keep it up. Thank you

I've had major trouble with this number.  They called me several times only to hangup without saying anything after I've said hello.  When I did get a hold of someone they asked about an overdue payment. I made it the next day but they continued to call.  They would even call me multiple times on the same day (a saturday) after I had already told the earlier that day that I had made payment.  They also gave me an incorrect call back number (1-888-533-0231) which is the pager number of one VERY upset doctor.  I believe giving out wrong callback numbers is illegal, as is failing to identify oneself within the first 30 seconds of a conversation (depending on the state).  They are performing illegal acts and have very poor training.  Their callers are hanging up on people and failing to mark down calls as 'complete' just to stay busy.  I spoke with the manager and chewed him out but he just wanted to get me to tell him an exact amount that had been paid so that they could get commission.  He said they would not stop calling until they heard an exact amount.  If you have already made payment, tell them that and tell them to remove you from their call list.  Inform them that you will take legal action if they call again.

Calls about 3-4 times a day as unavailable. I don't answer. They don't leave a message. After about 3 weeks they left message that it is essential I call them and leaves the 800 number. I do not have any business with Bank of America. I will not call back. They are looking to fraudently access financial accounts.

They were auto-dialing my home office number (which is on the national do not call list) 1-3 times per day.  I called the 1-800 number - the IVR system put me on hold for about a minute, then got me to a live, US-accented service rep.  She asked me if I was "Steve Jones", not my name, and I said no, and she apologized and said she would take my number off the list.

So perhaps Steve gave them my number (I've had this number for three years).  The rep was polite, and did not try to offer/sell me anything else, so I tend to believe they called (over and over) by mistake.

Sure am glad I read these notes before I had my daughter to call them.  They called my home today stating it was imperative they talk with my daughter today - matter was urgent.  I called back pretending to be my daughter and they asked for phone number where the original call was placed.  When I gave them my home number they could not find it in the system.  So if they can't find the phone number in their system then how did they call me?  They did talk with me briefly but said they could not discuss the matter with me since I was not the person they needed to talk with.  So glad I know they are representing BOA because I am a co-signer on the BOA and they are allowed to discuss with me.  But  I am not telling my daughter they called and I will call BOA tomorrow!!!  Thanks for the info.