They keep calling me, but I'm never around to answer.
They never leave a message, and when you call back they let you leave a message and give you their hours of operation, but never the name of their company.
I find this a bit fishy. Maybe a scam?

First of all, these people are an energy company, not Citi Bank, etc. They have been calling my number for 3 years non stop. In the past I just ignored their calls. Then they started calling from all types of area codes and different numbers. Numbers 877-255-0949 with V80815001300058 on top of the 877 number. When I saw these calls I muted the ring and let them go to voice mail. Before that, I told them I wasn't interested in dealing with them, I liked Con Ed and plan on staying with them. They kept calling. I went on The National Do Not Call Registry, listed my numbers with them, told them not to call me anymore and got a laugh from them. After I went on the registry, I got more calls from solicitors/telemarketers than usual. I did some research and found that a lot of people took their names off the registry because they calls increased, the telemarketers are down with the gov't and phone companies. After all, they spend money and use the phone companies too and go to congress and lobby to be able to do what they do. When a telemarketer/company is robo calling, using computers; the numbers switch each time they call you. So the do not call registry is unable to get a fix on them and can't help you. Everyone I know that has a land line and has digital phone service is going through this type of crap. When you've tried everything; all of the above and telling the company you don't want their bogus service or you're not interested, they keep on calling anyway. This is why they are a bogus company and not a legitimate one. Legitimate companies would never keep calling a person trying to sell them a service they do not want or is interested in. They would fear the consequences and would never do this and damage their reputation, etc. So, I had to change my number to an unlisted, private number, blocked all third party and collection calls, hard reset my modem, router and even my phone equipment. I did this because they had a digital lock on my modem and I know this is the case. I did not understand how I changed my number and it was a new number (private) and they were still able to call. But they didn't know the number they were calling. But doing all the above stopped all of the unwanted calls. To do a number swap cost $100.00 but I had to do it. The disrespectful people that kept calling did not care if I begged, cried or shouted profanity at them. Their aim was to break me and get me to give them my info; name, number, address, so they could get me to buy into their bogus services, so they could sell my information, etc. The phone company did everything to help stop the calls but they weren't able to do much and this is sad. They should have up to date technology that can decode and know the original number that is calling, the area, signal and name of the company or person. After all, we're using the service Phone co. digital hardware and services. But the culprits are using it, too.There should be a call blocker that decodes and unravels these bogus numbers and expose the harassing caller, so we can harass them and press charges on them. To pay for phone service for your home and to go through this is sickening. It makes a lot of people get rid of their land line telephone numbers. I will be on the lookout for any digital devices that can help the residential phone customers get the leg up on these types of callers. Its sad to see how many people are affected by this.

The caller said he was with a Van Rue (possible misspell) Credit Collection company. He said he was looking for a Todd Martin. When I told him there was no Todd Martin here he said he would remove the number from his list. Also, the company  had a answering recording that said it was VanRue (spelling) Credit Collections and would I hold for a minute. Then a Mark VanRue answered and we spoke. The number he was calling from was 877.255.1809. A Google check on that number did not lead to a collection company.

Called looking for another resident they claimed to live on my street?

Threaten them with legal action for harassment.

Most importantly.....Document, Document, Document... Date, time, who you spoke with, that you advised them they had a wrong number for Sherita Johnson and that you requested they remove your number from their system. I would even go so far as to type up a letter to their Compliance Officer. Every credit company has one. I did a quick check and found a possible lead on LinkedIn.com for Citifinancial Auto FDCPA Compliance officer. You would be surprised how quickly things get resolved once the compliance officer is involved. Especially if the Comp Off knows you are documenting each conversation etc.

LOL on the lighter side... you could ask them if they tried to search for their missing Sherita Johnson on Facebook or myspace.

Called my number asking for some one else. I called them back and told them no one live here by that name.Told them to quit calling me. I never had and account with them before .If they keep calling again I will see what legal action I can Take.

They kept calling until i finally answered to let them know that no Sherita Johnson is at this number. now when they call, they let it barely connect and hang up so i get just a missed call notification. called to tell them again to take my number off and i get "im sorry ma'am but youll have to talk to the representative who is calling you and have them remove your number. i cannot do that" well it would help if they wouldnt call and hang up! been going on for 2 months!!!

called looking for the LaPort resident...

Appears to be from Citifinancial.  Probably regarding a personal and/or car loan.  Payments maybe alledgedly delinquent, which is reason for phone call.

got a call 2/25/2010 they told me to hold on when they got back they asked for my mothers maidian name to verify the account , then they asked for my ss#. i believe this was what they really wanted.i have no account with them.

looking for somwone

This number called my house. It is Citi Financial. I called it back to confirm. I have no loans with them - EVER. This is a 100% purely illegal telemarketing call.

Called on 8/26/10.  Asked for a person with my middle name as their first and the same last name.  Wrong DOB.  They asked if I new a woman with the same first and last name as my wife with the wrong DOB.  Then they asked if I new a woman with the same name as my mother in law.  Too much coincidence!  Printing out my credit reports now!

We received a call 08/25/2010 asking for someone that does not live here.  We do not have any loans for CitiFinancial Auto.

contact your atty general (State) that should stop it

Got a call from this number 8/5/2010 at 11:30 am and again on 8/12/2010 at 9:00 am.
I didn't pick up and they left no message.

CITI is the ORIGINAL CREDITOR - FDCPA only applies to 3rd party debt collectors - NOT ORIGINAL CREDITORS

Got a call a few mins ago from this number, and no message was left, so I called them.  Had to wait on the line for 2 mins and then a customer service agent asked me for my acct. # or my SS#.  I said you will never get my SS# and I do not have an account with you.  She hung up.  Scam!

Debt Collectors ? Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I?ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!

Allied International Collection Agency


Date:
RE
Account #  
Amount in Dispute: $  
 Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

Your representatives have been trying to contact me,   I am requesting again that you cease and desist from contacting me.  Please remove the phone numbers XXX-XXX-XXXX .  The calls constitute harassment at this point, which is causing a major disruption in both my business and personal life as well as being an invasion of my privacy, which I will not tolerate.

If you continue to contact me, I will file a complaint with the Attorney General.  The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing to cease all phone communication.  Please comply with federal law or a complaint will be filed.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.  For individual questions or help with Credit Card and/or Collection Agency lawsuits, please contact me at tlcpetmommy@gmail.com

© tlcpetmommy copyright 2009 All rights reserved
tlcpetmommy@gmail.com

They called and no message so I called the number back.  They asked for my acct # or Social.  I said I do not have an acct. with you so she looked it up by phone #.  I did not come up.  So she said someone could have used me as a reference.  If I no longer wanted to be that persons reference (which I have no idea who it is anyway)  that when Citi calls again tell them to remove my name.

1-877-FTC-HELP

this information can be googled and is available on the FTC website.
Report a General Complaint
Your complaint, comment, or inquiry may help us spot a pattern of law violations requiring law enforcement action. It also may help us recognize and tell people about bigger trends affecting consumers. We do not resolve individual consumer disputes.
About a Company, an Organization, or a Business Practice

   * Online: Use our secure complaint form.
   * Phone: Call our toll-free helpline: 1-877-FTC-HELP (1-877-382-4357);
     TTY: 1-866-653-4261
   * Mail: Write to:
     Federal Trade Commission
     Consumer Response Center
     600 Pennsylvania Avenue, NW
     Washington, DC 20580

Sorry I got a 4 in there by accident. The number is 1-877-FTC-HELP

Report a General Complaint
Your complaint, comment, or inquiry may help us spot a pattern of law violations requiring law enforcement action. It also may help us recognize and tell people about bigger trends affecting consumers. We do not resolve individual consumer disputes.
About a Company, an Organization, or a Business Practice

   * Online: Use our secure complaint form.
   * Phone: Call our toll-free helpline: 1-877-FTC-HELP (1-877-382-4357);
     TTY: 1-866-653-4261
   * Mail: Write to:
     Federal Trade Commission
     Consumer Response Center
     600 Pennsylvania Avenue, NW
     Washington, DC 20580

They are truly a*** holes.  They have some many different numbers that they call and then on top of that they call you at least 6 times a day.  How many times do you have to tell Citi that you to stop calling.  I can't wait until I am completely done with them.  Citi has a bad rep with credit cards, mortgages and autos.  Ridiculous.  Sometimes, you may get a CSR that is undestanding and then collection is out to make the commission.

Thanks! for this information, I am def. going to report them... they are not only annoying, but also rude.

once again, i called this number 1-877-FTC-4HELP. i got a grocery store.

i just called this 1-877-FTC-4HELP. i got a grocery store and a very confused employee. wrong number!

They left a message on my phone today looking for a extended family member.  The family member does not live in my area.  I do not know how they got my phone number but they knew my name.

You can report them to the FTC in regards to violations of the fair debt collection practices act at their toll-free hotline (1-877-FTC- 4HELP). I am having the same problem with them and I intend to report them to the Federal Trade Commission as well as the FCC and my state Attorney General. IF you had owed the money they would still be in violation of Federal Law for calling after 9:00 PM.

From the FDCPA
§ 805. Communication in connection with debt collection
"A debt collector may not communicate with a consumer in connection with the collection
of any debt?
(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances
to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o?clock antimeridian and before 9 o?clock postmeridian, local time at the consumer?s location;"

Received numerous calls from this number even after 9:00 PM (the last time was May 10, 2010 @ 9:05 PM) They never left a message. Finally tonight there was a message on my voice mail of someone saying "CitiFinancial Auto, Mrs. Redford, Can you hold please?" I called them back and when the operator answered she asked for an account number or social security number. I told her I do not have an account number because we have no car loans and I do not give my social out over the phone. She said in a very snotty tone, " Well then it was probably a miss dial so don't worry about it!" and hung up. I called right back to speak with a supervisor. I was told the next operator, who seemed to be very nice what happened and why I was calling. He attempted to search their system for my phone number and told me that unfortunately it appeared the phone number was listed as a back up number on someone's account and because it was not listed as a main number he could not pull up which account it was on to remove it. I informed him that I was going to report the next call that was after the times allowed by the FDCPA that I would have no other option then to report them to the FCC, FTC, and my States Attorney General.  


If you need to make a complaint to the FTC in regards to violations of the fair debt collection practices act you can reach that at their toll-free hotline (1-877-FTC- 4HELP)

These people will not stop, I have no dealings with them and they call me all hours of the day, seven days a week. They even called at 11:12 PM on Sunday night. Needless to say I did not have anything good to say to them. But this did not stop them from calling. I am fixin to start a Law Suit for harrassment, I have already spoken with my Lawyer.