888-420-2510
K
K
2014-06-06 18:49:49
Debt Collector
Got a call from this number - they didn't say anything at all. Just heard typing and laughing in the background for a minute and then they hung up. But now that I know what they're up to from reading these posts I know what to do if they try again. Because as far as I know, everyone I know is still alive and well. Also, it's illegal anyways for collections agencies to trawl for relatives/friends/whatever of deceased persons to try and get them to pay someone else's debts.
yeah ok
yeah ok
2014-05-30 06:22:20
Unknown
My.dad owed 0.  Never used credit and owned everything he had yet they made up a bogus amount and couldn't ever say what it was from.  If you talk to more than one person you'll get diff info.  Eventually though if you play the game and waste their time talking aimlessly and never give them a cent.  (Fight fire w fire)  they stop calling.  Its such a sick scam.   It was only a couple weeks after the death and my emotions were high.....I'm pretty sure that person quit after me.  I'm sorry but they don't deserve my respect when they give me theirs.  Sick company and crooks that work for them.  At least send a bill that looks legit.....dont give them a dime but talk to them until they hang up.
not important
not important
2014-05-30 06:15:06
Unknown
yes they are a scam.  Scam scam scam
Resident47
Resident47
2014-04-30 14:40:19
Unknown
In principle I agree, but I always oppose the angry dispute and shut-up letters often floated online. The cited template leaves holes for a determined agency to use other contact methods. Disarming the primary weapon, the telephone, may be enough, but you don't want the same bullies sending email, posting online, or trying otherwise to win your attention.

While I agree that a confirmed personal phone number and address for the alleged debtor removes all excuses to keep pretending to skip trace, there currently is no "section 805(b)2" of the FDCPA to violate on that score. Trying to lecture a company in a law you don't understand is a bad idea. (I might be inclined to claim "harassment or abuse" on top of hassling of non-debtors.)

In general I don't think quoting laws and making threats does any good. Collection agents able to read your account file can also read controlling laws. They must obey them or else get a "teaching moment" from your FDCPA lawsuit.

I note there is a signatory line asking for "Your Printed Name". Let's be clear that a name is sufficient. A signature is not advised. It's too easy to scan and paste that sig image to some "agreement" a lawbreaker might manufacture.

My own approach to the "cease-comm" is discussed here:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls

It should be stressed that a surviving spouse in a "community property" state should probably seek validation and set partial contact limits, such as banning phone calls or defining "convenient" hours. Cutting off all contact may inspire a creditor lawsuit. My gut feeling is that an estate executor should also keep a mail channel open. However, if it's clear the agency is solely interested in hustling a fast payment from people who are not obligated, those people closest to the matter should not hesitate to slap on a cease-comm.
Resident47
Resident47
2014-04-30 13:47:50
Unknown
Odd how that "Helpful information" is not recalled by the many people with plausible complaints against these predators. The APRS agents must not be making that point clear, if indeed it is made at all among illegal tactics of persuasion and coercion. Why don't we let the FTC take the mike from here, hmmm?

Debts and Deceased Relatives
http://www.consumer.ftc.gov/articles/0081-debts-and-deceased-relatives

FTC Issues Final Policy Statement on Collecting Debts of the Deceased
http://www.ftc.gov/news-events/press-releases ... -debts-deceased
Resident47
Resident47
2014-04-30 13:41:15
Unknown
Your callers do not maintain this site or this web page. You cannot expect compliance with your orders until you deliver them *directly* to your caller. It is unwise to publish a phone number you meant to protect in an open forum where any data harvester and scammer can find it. I've reported your comment so that Admin can redact it.

Local police may not help in this matter. You have a right to a quieter phone if you demand it, best done via USPS Certified with return card. Only then will you build a strong case for "harassment" if the recipient won't obey.
Resident47
Resident47
2014-04-30 13:39:49
Unknown
See prior comments. What's more, this article link has been visible on every 800Notes page for six years:

Harassing calls from a debt collector?
http://800notes.com/arts/KBN5c2IZiAC_wQjKBNRWFA
Resident47
Resident47
2014-04-30 13:35:25
Unknown
Unlike Jean Bell back there, you still have time to sue the agency for what sound like FDCPA violations in your story. While I'm sure anyone would "just want the calls to stop, thanks", that too is your job, but not the only one. Once the noise has been squelched, think about how you were treated and compare that to what the CFPB and FTC say about the rights you are due. Then take all action necessary to make the offenders pay.
Resident47
Resident47
2014-04-30 13:28:50
Unknown
That kind of service is not part of the function of a mystery call database. It is *your job* to "get these people to stop calling". Federal and state law supports you, as discussed prior.
http://800notes.com/Phone.aspx/1-888-420-2510/14#p711003167224149541
Resident47
Resident47
2014-04-30 13:22:29
Unknown
There was a way, but against lawbreaking bullies like this you needed to get off the phone and start a paper trail. If you're not held responsible for your husband's debts (if any remained) you were clear to send a ''cease communication'' notice via USPS Certified with return card. If the agency persists in calling and writing you to collect, sue the company for damages and your legal costs. (Since Ms. Bell's comment is just over a year old, she would by now through inaction have lost all of her FDCPA claims to that law's fleeting Statute of Limitations regarding any violations prior to April 2013. Don't let this happen to you if your rights are denied!)

When chasing decedent debt, an agency can politely sniff around for an executor or estate manager or whatever that person is called. It is not permitted to coax, wheedle, or strongarm family and friends into paying out of pocket for debts allegedly incurred by another person, especially not a dead one. Collection agencies must stand in a probate line like everyone else.

Decedent debt vultures are a grimy subcategory of the collection industry who like soft, fresh meat the best .... mainly the widowed and grieving who may not be thinking straight when collectors call. This is what the FTC has to say about decedent debt:

Debts and Deceased Relatives
http://www.consumer.ftc.gov/articles/0081-debts-and-deceased-relatives

FTC Issues Final Policy Statement on Collecting Debts of the Deceased
http://www.ftc.gov/news-events/press-releases ... -debts-deceased

FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection
CWG40
CWG40
2014-04-30 05:15:47
Unknown
That's  c_o_o_n    Or raccoon  with the first three letters removed.
CWG40
CWG40
2014-04-30 05:14:08
Unknown
(888) 420-2510Fax: (763) 235-4055200


AscensionPoint Recovery Services, LLC
2  C*** Rapids Blvd NW Ste 200,
C*** Rapids,
MN 55433-5867
CWG40
CWG40
2014-04-30 04:24:09
Unknown
This might be useful.

http://www.bbb.org/minnesota/business-reviews ... 2378/complaints

The site lists a phone and fax number but no address.

Survivors are not responsible for the debts of the deceased.  If there was no money in the estate, then the creditors get nothing.  Period.   If there is money in the estate the executor will pay off as much as possible the legitimate debts.  But that is the executor's responsibility.    This company is trying to somehow strong-arm the survivors of the deceased to pay the deceased's bills.  Don't fall for it.
Sorry to all
Sorry to all
2014-04-30 03:56:38
Unknown
Hi, I just want to apolgise to all familys I used to work for this company and I can tell u for the time I worked for the company. It was a scam all management and owners are a whole bunch of young pricks who don't care about the coustomers or employees. The management who all pass around prescription drugs, sit around high all day and try to make up new ways to collect money from your familys with out getting sued.. remember only when u say u are authorized to speak with opens the door for them to talk to u. Remind u don't have to talk to them or give them any attoney information, oh and if you owe more then 10k plus they may break a lot. Federal law to get you to pay before estate is open. They know what they are doing by making every collector offer condolaances that they don't mean, so many times I sat there watching the collectors be so fake, just so they can eat like a fat rat off your money u will notice at the end of the montth u get more phone calls and settlement letters which usally they are volating federal laws.. remember if you didn't discuss a settlement shouldn't be a letter in your mail or if you have not personally talk to their representive and told them u are a AUTHORIZED party no mail should be comming in your name, these are things I wanted to share to the people out there, yes the estate is responsible for the decedent debt not the family Ascesion. Point is to try to collect from familys at the most vulnerable time in there life to all familys let them collect from the estate if that's what they are going to do, but when u give the the money before estate closes is what's keeping them in busniess.. be careful of a collector that goes by Casey she pretends to be a old woman over the phone to shmoose you to paying her right away..FYI she is a meth addict and the dope is calling u.
Bamagirl15
Bamagirl15
2014-04-19 01:31:34
Debt Collector
Well, my Mother passed away only three weeks ago, so it didn't take these vultures long to start calling.  The complaints against this organization are a mile long.  This is the first one I came across (before I found this site) from the BBB:  http://www.bbb.org/minnesota/business-reviews ... 2378/complaints

You can send these folks a "cease & desist" letter.  The following is a link you may use as a guide:  http://www.creditdisputelettertemplates.com/cease-and-desist/
D'oh
D'oh
2014-04-18 01:11:47
Unknown
So you work for the company.  What is their address, website, etc.  Thank you!
Helpful information
Helpful information
2014-04-18 01:07:43
Debt Collector
I have found Ascension Point to be very courteous and helpful.  They say "you personally are not liable for any of the debts" on every call.
If there is no estate, you will never hear from them again unless you want to honor one of your loved ones debts.
Again, you are not personally liable, as they tell you more than once on each call.
Diana
Diana
2014-04-16 23:46:23
Debt Collector
1-888-806-9074 - AscensionPoint just called me about my father who recently passed away.  I was a bit in shock and unfortunately gave them my step mothers name and phone number.  It wasn't until later today that the whole call didn't sit right and I did some research.  I wish I had just taken the name and number of the person calling, but I will be following up with a complaint and filing a letter to cease and desist.
Lmannock
Lmannock
2014-04-11 17:35:10
Unknown
Thank you!
L. Mannock
L. Mannock
2014-04-11 17:28:45
Telemarketer
Call from this number today at 10am and they said my husband owed them.  Ha!  Meet my lawyer time.  We owe nothing.  I told them to send a letter and he asked for my address.  I told them to send it to the address they already have.  Waiting.
azbassman
azbassman
2014-04-03 17:57:16
Unknown
Sometimes, just the "threat" of turning them over to the states attorney, in you state, and theirs, (in this case, minnesota) will scare them off. I use real threats of going to the states attorney, whenever I get repeated scam calls, or many other irritating calls
Steve
Steve
2014-02-15 09:12:25
Unknown
I'm guessing that the guy above works for these parasites.
Joe
Joe
2014-02-15 05:31:44
Debt Collector
This company collects from the estate of deceased not hounding family they helped me and save the estate of my grandfather lots of money how ignorant can people be!!!  If you people would call back you would see every rep u talk to is sooooo pleasent !!! Just saying
Dawn
Dawn
2014-02-06 19:37:45
Unknown
This company has called several times about my deceased husband. Shouldn't have to deal with this , still grieving.
Delores
Delores
2014-01-22 19:57:38
Unknown
Please stop calling [removed] Delores is deseased and please stop calling or I will turn this number into the police for harassment.
Janet
Janet
2014-01-14 22:26:40
Debt Collector
Another call from Ascention Point. They tried to say they'd never contacted me before although it was the same number that I reported here a couple weeks ago, I've also received mail from them (which I threw away), and they are still trying to collect something on my stepmother who just died six weeks ago.

This time they called and identified themselves. I told them I had told them everything I had to say when they called before. She denied calling before. I said her company had called before because I looked up her number and found out their name and also reported the call. I said nothing has changed since then. I said my stepmother died wiithout an estate and without an executor.

This woman then acted like she had caught me out in something and said, 'm'am, we have information that you were the Power Of Attorney." I told her, 'you see, this is exactly how I can tell that you are not a legitimate company." She tried to interrupt me but I just kept talking. I said, 'if you were a legitimate company, you would know that the Power of Attorney does not survice the death the person for whom the service is being provided." I said, "therefore, my POA ceased as soon as Eunice died. I think you know that, and I think you are banking on the fact that I don't know that. My next call will be to the attorney general's office." Whereupon, she hung up on me.
Tamianth
Tamianth
2014-01-13 23:22:01
Unknown
Follow the steps in what you need to know and send them a cease & desist order via certified US mail..

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection
Patricia
Patricia
2014-01-13 21:12:17
Unknown
We received several calls from Ascension.  My husband is the executor of his parent's estate and there is money to pay off all legitimate debts, which was always our intention to do as soon as it cleared probate.  My husband immediately notified ALL of their creditors as soon as they died to explain any delay in payment.  Back to Ascension:
They called and asked for the name of our lawyers helping with the estate.  They never once identified themselves as working for Citibank (who had assured us that they would wait for payment and that they would be sending the appropriate paperwork, which of course never arrived) nor did Citibank tell us that they were sending a bill all of a month overdue to collection.  What in the hell is Citibank thinking?  They got notice that the estate was probated and that payment was forthcoming.  This is over a lousy $100.  How  *&^*#*!  stupid are they?  Why wouldn't they have the courtesy to tell us that we should deal with Ascension, which seemed to immediately be some kind of scam.  I will never put a bloody nickel of our money in any of their banks.  Idiots.
So yes, in some cases they are legitimate, but both Citibanks's and Ascensions business practices stink to high heavens.
Mattratt
Mattratt
2013-12-10 23:32:39
Debt Collector
I just received my first call from this company.  They were trying to contact the Executor of my mother's estate.  Bad news for them--my mother was a victim of Identity Theft and that process is in the criminal courts.  The company, Comenity Bank and Comenity Capital Bank, was properly and legally notified.  Comenity was in contact with the District Attorney's office continually and as of a couple of weeks prior to Grand Jury.  However, Comenity chose to sell/turnover collection to AscensionPoint. Comenity/Ascension Point may have been able to recover from the thief, through the courts.  
Amber
Amber
2013-11-20 21:13:53
Unknown
Oh come on -  you know you work for either GE Capital Retail or CitiBank and you are just trying to deflect the bad publicity they are getting from these posts.  Why don't you get a real job.
1-949-286-3974 1-210-338-8466 1-888-441-5024
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