800-620-4284
Dan
Dan
2014-06-25 19:53:25
Unknown
Helpful info. They called my work but wouldnt leave a message. No idea how they got my info. After reading these posts I'll just tell them noone here by that name.
realistic citizen
realistic citizen
2014-06-13 01:10:55
Unknown
I get calls from this number and yes I do have federal student loans, but they are in forbearance. They are trying to collect over 100k and I only borrowed around 15k. I do have a job and I do pay my bills but what they are asking for, and how they treat people is horrendous. I called the dept of ed and they said that my loans are only about 19k and are in forbearance and they do not know why this company is calling me. They have all of my information and are very threatening. Even when I try to explain the situation to them they call me a f**king liar and that if my family loved me they would just pay it. Absolutely ridiculous. I don't know what else to do but I don't appreciate being harassed and badgered on a daily basis for something I have under control.
Science-Guy
Science-Guy
2014-06-09 17:26:32
Unknown
They called my cell phone asking for someone with my wife's first name (no last name given).  I asked for more info but they refused to give any (not even the last name of the person they were looking for).  They wouldn't tell me why they were calling or who they were, they simply demanded to know if she was available to talk to.  I wasn't even sure if it was actually my wife that they were looking for.  I kept asking "Karina" for information without telling her anything and eventually she hung up on me.  My wife had student loans but payed them off COMPLETELY over 20 years ago.  (I should know, we were married at the time and I was the one writing the checks!)  We have no debts in my wife's name, all of our debts are either in my name or in both of our names jointly so they should have been willing to talk to me but they weren't.  VERY aggressive and uncooperative.  They have called several more times in the last two days but I don't bother to answer.
The watchers
The watchers
2014-06-07 22:05:02
Unknown
You forgot to mention this part Julie........

FDCPA

(The following is a summary of possible violations under the Act for which a debtor or alleged debtor may obtain up to $1,000 as a victim. These violations are simplified in content to make easier to understand. A link is provided below to to the actual Act itself. If you think your rights might be violated, you do not need to search through this list. Contact an FDCPA attorney and they will carefully review the collection company's actions for any possible violation.).

   You have experienced repeated calls (including computerized automated calls) from a debt collector.
   A debt collector has informed third parties that you owe a debt.
   A debt collector has called you before 8:00am or after 9:00pm.
   A debt collector has failed to identify themselves when calling you or a third party concerning you.
   A debt collector has engaged in any conduct you found to be harassing, oppressive, or abusive. This includes the making of any type of threats (including threats to "garnish your wages"), use of obscene language, excessive telephone calls, etc.
   A debt collector has called your place of employment after knowing or having reason to know that your employer has forbade such calls.
   A debt collectors is attempting to collect an amount (including interest, fees, or collections costs) that were not authorized by your agreement with the original creditor.
   A debt collector has sent you post cards regarding a debt.
   A debt collector has sent you mail in which reference to a debt is printed on the outside of the envelope.
   A debt collector has used any false representation or otherwise deceptive means to collect a debt or obtain information about you.
   A debt collector has informed a third party that you owe a debt (other than a consumer reporting company).
   A debt collector has used any language or symbol on an outer envolope mailed to you that indicates that the letter relates to a debt.
   A debt collector has continued to contact you after you have informed them in writting that you refuse to pay the debt or that you wish to debt collector to cease communication with you. (There are limited exceptions for which the debt collector may still contact you).
   A debt collector has made threats of violence or other criminal means to harm you, your reputation, or property.
   A debt collector has used obsence or profane language with you.
   A debt collector has published your name as someone who allegedly refuses to pay debts.
   A debt collector has advertised for sale your debt to coerce you to pay the debt.
   A debt collector has caused your phone to ring excessively, the natural result being to harass.
   A debt collector has called you without meaningful disclosure of the caller's identity. (Such may be the case when they demand your name or social security number, etc. before they tell you who they are).
   A debt collector may not use any false or misleading representations or means to collect a debt.
   A debt collector has falsely represented or implied being vouched for or otherwise affiliated with the federal gov. or any state gov.
   A debt collector has falsely represented the character, amount, or legal status of a debt.
   A debt collector has falsely represented that they are an attorney or that any communication is from an attorney.
   A debt collector has falsely represented that nonpayment of the debt will result in the arrest of any person or the seizure, garnishment, or sale of property.
   A debt collector threatens to take any action that cannot be legally taken.
   A debt collector falsely represents that the consumer (debtor) has comitted any crime.
   A debt collector communicates or threatens to communicate credit information to any person when that credit information is false. (The debt collector must also inform others that the debt is disputed, if such is the case).
   A debt collector has used any document which falsley simulates a court document or any other governmental document.
   A debt collector uses any false representation or deceptive means to collect or attempt to collect a debt or to obtain information about the debtor.
   The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.
   The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.
   The false representation or implication that documents are not legal process forms or do not require action by the consumer.
   A debt collector cannot collect any amount (including any interest, fee, charge, or expense additional to the original amount owed) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
   The acceptance by a debt collector from any person of a check postdated by more than five days unless such person is notified in writing of the debt collector's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
   The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
   Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
   Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
   Communicating with a consumer regarding a debt by post card.
   Using any language or symbol, other than the debt collector's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Phenix
Phenix
2014-06-07 21:12:32
Unknown
Dear lying piece of s*** extortionist!

You forgot to explain to everyone how much you morons PAY for the debt contract you BUY for pennies on the dollar. Or how it's traded in the stock market, schmuck! DOE doesn't contract you or any other's to collect a "debt"  for them. Nobody owes you consent of personal info. or money for anything.

OH and there are laws...lots of them against your behavior you bring up in your post. People can request anything in regards of paper work of who you are, proof of said amount to be extorted and that the s*** is even owed to YOU and if your even licensed to perform said extortion, which your probably not.

We are people, MFker. Not an account number, not debtors and all the little legalese BS you make up. So smoke that in your crack pipe while your on break from sitting your fat a** in your cubicle.
Phoenix
Phoenix
2014-06-07 20:49:03
Unknown
As with any "debt" the Hospital no longer owns the debt and sold it. The collection agency bought it for pennies on the dollar, which is why the Hospital won't accept your payment. Use the resources of your state, starting with the Attorney General to fight back. And only deal in writing so you have a paper trail.
Nancy Mansfield
Nancy Mansfield
2014-05-24 21:09:23
Unknown
This company continues to call me even though I have repeatedly told them they have the wrong person. I have confirmed their debtor has a different birthday etc. Today I got a collection letter in the mail. How hardis it for these morons to remove my number?
shane mundy
shane mundy
2014-05-23 16:55:03
Unknown
I love when a person or company representative calls me on a private cell phone, telling me they are handling a matter for me and are authorized to speak to me regarding said matter. Then they insist I provide birth date and social security number to "verify" my identity. Then they add the little quip on the end of it indicating this is very beneficial to me. none the less the representative was speechless when I informed her I am not verifying s***! You have a name and a number and you called that number and requested to speak with the person. I am pretty sure Elvis is not answering my cell phone. Again she adds this is very beneficial to me. Again she was left speechless when I said oh really? Are you making me a billionaire or giving me free b*** j**s for a year?
Akua wright
Akua wright
2014-05-14 19:30:25
Unknown
Received a call from this agency. The representative was rude and belligerent would not give me any information as to why she was calling and just insisted I give her my social security number.
spammed alot
spammed alot
2014-05-05 17:28:38
Telemarketer
scam
cease and desist
cease and desist
2014-05-02 16:54:14
Prank Call
damn robo caller scam
cease and desist letter sent certified mail
cease and desist
cease and desist
2014-05-02 16:52:51
Prank Call
damn robo call scammers called today
cease and desist letter sent certified mail
just another harrassed victim
just another harrassed victim
2014-05-01 20:13:05
Unknown
Do not fall for CTI  scams
homie
homie
2014-05-01 19:24:52
Prank Call
damn robocallers
scam scam scam
scam scam scam
homie
homie
2014-05-01 19:21:43
Prank Call
damn robo callers
scam scam
scam scam
Scott
Scott
2014-04-29 17:50:17
Debt Collector
Just got off the phone with CTI, spoke to a woman named Sarah to set up payments on my student loan defaulted debt.  I'd like to address some of the criticisms from above posters:

1. Before asking me to confirm my D.O.B. and last four of my social, they told me they were attempting to collect a debt.
2. At no time did anyone yell, threaten, or talk down to me.
3. I was able to set up a reasonable payment plan within about 25 minutes of making the call.

Granted, everyone's situation is different, but I had no problems when I called.  This could be because I said up front I wanted to start making payments on the debt, but Sarah and the person in their accounting department i talked to were both pleasant and professional.
Pj Walt
Pj Walt
2014-04-21 22:36:24
Debt Collector
They have called me at least 3 or 4 times per day.  When you ask them to send you something in writing they never will.  I know that I owe this money but they are very unprofessional, pushy and rude.  Why can they not send anything out to people?  They want you to sign a contact with them then show me that contact in writing.  I am sure that many people really want to pay back their debt; but dealing with a company like this one nobody should have to put up with people like that.
Missouri
Missouri
2014-03-11 22:31:21
Unknown
I got a call today from someone who wanted me to verify my personal info (birthdate, social security#).  When I asked what it was about he said he couldn't tell me unless I provided my info.  What is he? Crazy!!!!!  I told him when he wanted to tell me what it was in reference to I would verify then hung up.








Sabrina Woods
Sabrina Woods
2014-02-03 16:22:43
Unknown
Could you please address the shady ways they use to try to get you to pay these loans!!!!
Ex cti collector
Ex cti collector
2013-12-20 23:26:08
Unknown
You are extremely wrong. Collection company's for  the DOE does not have to take you to court to sue. I would do more research before giving people advice as to your advice would screw someone over.
Ex-CTI
Ex-CTI
2013-12-20 23:13:52
Unknown
You sound stupid.
student loan collector
student loan collector
2013-12-19 21:21:23
Unknown
Things have changed in the last  6 months .I urge  you to call  the agency collecting your debt and hear them out . The Deparment Of Education  has changed the programs to help people in default


Rules for garnishment
They  do not have  to take  you to court please read  below
https://www.myeddebt.com/borrower/wageGarnishmentNavigate


Administrative Wage Garnishment
Under the Higher Education Act, the Department and guaranty agencies may require employers who employ individuals who have defaulted on the repayment of a student loan to deduct 15% of the borrower's disposable pay per pay period toward repayment of the debt. In addition, the Debt Collection Improvement Act of 1996 permits the Department to garnish up to 15% of disposable pay. Garnishment may continue until the entire balance of the outstanding loan is paid. You should note that wage garnishment is used only for borrowers who refuse to voluntarily repay their defaulted loan and is not used with those borrowers who continue to make regular and timely monthly payments.
OhNoYouDidnt
OhNoYouDidnt
2013-12-04 17:22:29
Unknown
"Your debt can not be discharged throught BK or divoce and they do have the power to garnish up to 25% of your wages."

You understand nothing about the bankruptcy laws of the US.  ALL debt (except student loans and HOA debt) can be discharged.
Helen Love
Helen Love
2013-10-24 15:47:38
Debt Collector
I Have been getting garnished from CTI since 2011. it has really caused a hardship on my family. I called abou the student loan that i had over 20 years age to make some arrangements and they told me because i had consolidated the loans nothing could be done and the fact that the school I had taken the loan out at filed bankruptcy and closed down. Thye no longer exist.
Please Help
Rick
Rick
2013-10-22 17:01:50
Debt Collector
This company isn't accredited by the BBB. They call me for student loans when I don't have any student loans. They even called my place of employment. They call my fiance as well and tell her the same thing. I am writing a formal complain to the FCC. Oct 16th a consumer telemarketing act was passed. I know, because i sell consumer data. Unable to sell phone numbers now.
razzenpudden
razzenpudden
2013-10-21 16:52:24
Unknown
most collection agency's do not sue you.  it would cost alot of money to file a suit to garnish your wages or snatch your assets, and they are in the buisness of making money not spending it.
most of these people that call you are just people with a messed up job, working on commission, and they will say just about anything to frighten you, get you to pay.  cuz that collector will get the commission at the end of the month for all debts he collects.

listen, if you owe $1000 bucks, for anything, student loan, cellphone bill, whatever, these people calling you do not have the power to file a suit and wouldnt know how to do it even if they did.

dont let their words scare you.  there is a process, even for these vultures, that they must go thru to levy on your assets.

in point of fact, there are certain laws that are supposed to prohibit a collector from saying certain things, using scare tacits, threating law suits, threating wage garnishment, etc., but if your talking to a 22 year old kid who has his own student loans that he's trying to pay off, he's gonna say just about anything to scare you into paying.

give them nothing, no information, tell them they have the wrong number, tell them that person does not live there any longer, dont answer the phone, or just hang up on them.
they will keep calling, but eventually, they will pass it off to someone else.

frankly, you may never be free from the harrassing phone calls if you owe money.  but, you dont have to listen to their scary crap.
razzenpudden
razzenpudden
2013-10-21 16:43:34
Unknown
dude, i think you are from the company that we are all busting on.
i used to be a bill collector and its so easy to log in with an anon name, etc, and start talking up yourself.
dont fall for this stuff.

also, its not only student loans that get collected from this number.

this is a bill collection agency.  they (try to) collect anything that is assigned to their company, for a commission... anywhere from 5% to 25%.  

anyway, if you have a cellphone, then dont answer ANY calls on your home phone that are 800 numbers, or ANY number that is restricted or has no ID to qualify it.
if they know you, they can call your cellphone.
Alice Castro
Alice Castro
2013-09-21 04:50:49
Unknown
CTI calls all your relatives if, we don't have a good number to you. Also, we like calling your neighboors, so you can be annoy and generate a call back. They suggest you pick the phone up.
CTI violates many laws, but yet still in business collecting student loans.

Put these morans on notice. No more calls, I have an Attorney and hang up!
The Man
The Man
2013-09-14 01:02:30
Unknown
CTI is another lame collection company. Understand the collectors are collecting
student loans by scaring people to pay.
I suggest you continue with your education, so you
wont pay your student loans. As long as your in school you dont have to pay your student loans.

Student loans are collectable.
Katie
Katie
2013-09-05 15:57:54
Unknown
This same company called me at my place of employment.. It was to have my wages garnished!!! The owner of the company I work for said I am self employed so they can not garnish and if they called back again he would report them for harassment
1-877-872-8869 1-988-625-0370 1-323-744-0491
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