I returned the call to TLC and tried to set up a payment schedule but they wanted my debit card number. With all the identy theft going on i refused to give them my debit card info and instead offered to send them money orders for payment,they refused

I received a call from TLC asking me to get in touch with my neighbor (giving me her name and address) so I can tell her to call them!! Unbelievable gall - I have an unlisted address and am on the do-not-call list. It bothers me that 1) they have access to information that has my address attached to my phone number and 2) they think I'm going to approach a stranger and pass on a message like this and 3) they let me know my neighbor has debt issues. I'm reporting them to the FTC and the local attorney general.

It is indeed a collection agency. They called me about a 5-year-old phone bill. They are pushy, but apparently legit.

A few months ago Mr. Franklin (1 800 557-7416) kept calling and calling, probably 6 weeks straight worth of calls. I told him to send me proof that I owed money and I would look over the papers. He never sent anything and quit calling. Today all of a sudden a Ms. Washington from this number calls. She left messages on my cell and my office phone. I called and I barely got that they were a company called TLC. Then all of a sudden they were "transfering the call". Needless to say I hung up. I owe no one, so who they heck are these people??

This is a collection agency from a payday loan company. I have talked to a Mr. Franklin and Ms. Stephens in the past. I have taked out some payday loans that might not have been fully paid back. I asked for verfication for the loan and to who it was through, they e-mailed me so document that really didn't say anything except that I owed "X" amount. I was going to try and work out payments but they are hard to work with,. Then I heard that our state Attorney General said there was some identity theft from some of these payday loan companies and some phone calls may not be valid. I don't know what to do next????????

I have been getting these calls looking for a relative and to call back.  The caller ID on my home phone showed 954.  They are now calling my work, so I called them back and found out they were a collection agency.  I am not behind in my bills and would like to know who to contact to get them to stop!!!

TLC called a family member stating they wanted a reference in regards to me.

If this is a collection agency, then it was illegal for this company to state they were calling for a reference, which was not true.

the are calling and harassing me at work.  when i tried to get a name, Mr. Franklin, would not give me his first name or a phone number to access him.  He started getting nasty when I would ask him for information about his company, said he worked for the company I had previously owed money to.  The debt was written off last summer and I have proof of it.  I heard that scam companies are trying to get money from unsuspecting people.

Constantly calling me, several times in one night!  Left a message about a claim I filed, which I have not.  Sounds like a scam.

WRONG RATING

made a settlement offer and gave my account imfo and come to find out they no longer had the account now they wont send a settlement letter. will report to bbb

have been calling me.  set up a payment plan but they never took the money.  called a week after money should have been withdrawn and said my bank told them i was giving fraudulent info. called my bank (a 5 employee credit union) and no one had called regarding my account.  scary.

From www.bbb.com regarding "800-557-7416"

BBB Reliability Report for
TLC Receivables  
The BBB reports on businesses, both accredited and non-accredited. If an organization is a BBB Accredited business, it is stated in this report.
Name: TLC Receivables
Phone: (800) 557-7416
Address: 3100 Medlock Bridge Rd Ste 140
Norcross, GA 30071-1429
Employees: 1
File Open Date: February 2005
TOB Classification: Collection Agencies
BBB Accreditation: This organization is not a BBB Accredited business  BBB Definition:

BBB  Accredited  business - BBB has determined that this business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public. BBB accreditation does not mean that the businessâ?? products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the businessâ?? product quality or competency in performing services.
.


Customer Experience

Based on BBB files, this company has an unsatisfactory record  BBB Definition:

unsatisfactory  record - A company has an "unsatisfactory business performance record" with the BBB is based on the experiences reflected in BBB files. This file condition results when the company has failed to resolve or respond to complaints, repeatedly failed to respond or resolve issues in a timely manner, failed to resolve the underlying issues for a pattern  BBB Definition:

pattern - More than 2 complaints involving the same allegations usually within 12 months that are significant in relation to the company's size and volume of business.
of complaints, failed to honor their commitment to mediate or arbitrate disputes or honor mediated agreements or arbitrated decisions, failed to substantiate, modify or discontinue false advertising claims that are challenged by the BBB, or failed to discontinue unauthorized use of the BBB name and logo, a Federally protected trademark.
with the BBB due to failure to respond to a complaint. However the business has resolved  BBB Definition:

resolved - The company resolved the complaint issues.
most complaints presented to the bureau.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

The BBB processed a total of 4 complaints about this company in the last 36 months, our standard reporting period.Of the total of 4 complaints closed in 36 months, 1 was closed in the last year.

Billing or Collection Issues  BBB Definition:

Billing  or  Collection  Issues - Claim alleging billing errors, unauthorized charges, or questionable collection practices.
 
  Resolved  BBB Definition:

Resolved - The company resolved the complaint issues.
 
     1 -  Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
  No Response  BBB Definition:

No  Response - The company failed to respond to the complaint.
 
     1 -  Company failed to respond to the BBB to resolve or address the complaint issues.
 
Service Issues  BBB Definition:

Service  Issues - Claims of alleged delay in completing service, failure to provide promised service, inferior quality of provided service, or damaged merchandise as a result of delivery service.
 
  Resolved  BBB Definition:

Resolved - The company resolved the complaint issues.
 
     1 -  Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
  Administratively Closed  BBB Definition:

Administratively  Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution
 
     1 -  BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.
 


Industry Tips

Debt Collection

The following is more detailed information about the Fair Debt Collection Practices Act:

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 before 8:00 a.m. and after 9:00 p.m. unless you agree. A debt collector may not contact you at work if the collector knows your employer disapproves.

CAN YOU STOP A DEBT COLLECTOR FROM CONTACTING YOU?

You may stop a collector from contacting you by writing a letter to the collection agency telling them to stop. Once the agency receives your letter, it may not contact you again except to say there will be no further contact. Another exception is that the agency may notify you if the debt collector or creditor intends to take a specific action.

MAY A DEBT COLLECTOR CONTACT A THIRD PARTY ABOUT YOUR DEBT?

If you have an attorney, the debt collector may not contact anyone other than your attorney. If you do not have an attorney, a collector may contact other people, but only to find out where you live and work. Collectors are usually prohibited from contacting such permissible parties more than once. In most cases, the collector cannot tell anyone other that you or your attorney that you owe money.

WHAT IS THE COLLECTOR REQUIRED TO 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 are first contacted, 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?

* Use of threats of violence or harm against the person, property, or reputation;

* Publishing of a list of consumers who refuse to pay their debts (except to a credit bureau);

* Use of obscene or profane language;

* Repeated use of the telephone to annoy someone;

* Telephoning of people without identifying themselves;

* Advertising your debt.

Debt collectors may not use false statements when collecting a debt. For example, they cannot:

* 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;

* Misrepresent the involvement of an attorney in collecting a debt;

* Indicate that papers being sent to you are not legal forms when they are.

Debt collectors may also 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;

* Actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.

Debt collectors may not:

* Give false credit information about you to anyone;

* Send you anything that looks like an official document from a court or government agency when it is not;

* Use a false name.

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

* Collect any amount greater than your debt, unless allowed by law;

* Deposit a post-dated check prematurely;

* Take or threaten to take your property unless this can be done legally;

* Contact you by postcard.

WHAT CAN YOU DO IF YOU BELIEVE A DEBT COLLECTOR VIOLATED A LAW?

You have the right to sue a collector in state or federal court within one year from the date you believe the law was violated. If you win, you may recover money for damages you suffered. Court costs and attorney's fees also can be recovered. A group of people may also 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.

This information is general in nature and is not to be interpreted as a reliability report  BBB Definition:

report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB Accreditation information, and BBB complaint activity over the previous three years. Also reports may include any known government actions, advertising issues or other information that results from activity conducted by the BBB.
on any particular product, service or company.

This information was developed by the United States Federal Trade Commission, Bureau of Consumer Protection (202) 326-3650.

The information in this report  BBB Definition:

report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB Accreditation information, and BBB complaint activity over the previous three years. Also reports may include any known government actions, advertising issues or other information that results from activity conducted by the BBB.
has either been provided by the company, or has been compiled by the Bureau from other sources.


Report as of March 12, 2008
Copyright© 2008 BBB®, Inc.


If you choose to do business with this business, please let the company know that you contacted the BBB for a report  BBB Definition:

report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB Accreditation information, and BBB complaint activity over the previous three years. Also reports may include any known government actions, advertising issues or other information that results from activity conducted by the BBB.
.

BBB reports may not be reproduced for sales or promotional purposes.

The information in this report has either been provided by the company or has been compiled by the BBB from other reliable sources.

As a matter of policy, the BBB does not endorse any product, service or company. BBB reports generally cover a three-year reporting period, and are provided solely to assist you in exercising your own best judgment. Information contained in this report is believed reliable but not guaranteed as to accuracy. Reports are subject to change at any time.

someone from this number is calling all over my job looking for me, must be making up numbers, when I called back I got disconnected. I'm going to report them to the police.

received a call from this number, Mr. Franklin.  He called me at work and said that he needed to speak with me before he contacts my human resource department.

It is illegal for a bill collector to contact an employer unless they have a court order to have income withheld.  I do not even owe money to this company.  

Annoying.

received both a letter and phone call from this company. they only seemed interested in getting my social security number and hung up when I refused to give it. claim to be a collection agency, but I don't owe so it seems like a scam.

1-800-557-7416  EXT. 7087  RECEIVING HARRASING CALLS FROM THIS NUMBER CLAIMING IT IS CHECK AND GO. WHEN I CALL THE NUMBER BACK NO ONE AT THE OTHER END ID'S THEMSELFS AS SUCH COMPANY NOR EMPLOYEES.

Do not know who these people are because they do not answer when i pick it up. What a bunch of jokers! I'm not laughing though.

Getting  messages from this place every few days.  Sometimes, a really pissed off lady says I need to call her back.  I have not since I know of no reason, since I am not behind on any of my bills.  It does sound like it would be a bill collector or collection agency, though.

getting a call from this number at least once a day for over a month...i do not answer it because of caller id...

also got a call from this number,identifiying them as TLC. never heard of them. could hardly understand the guy that called because of his accent.

called and said he was from TLC.  i don't know no companay named TLC only healthcare insurance and I don't qualify for that.