chris smith uses a number of names and always is recored so you will call him back,.... fat chance

Wait until "Chris Smith" leaves the recording of him supposedly shuffling around papers, looking for your paperwork. LOL Very funny stuff. This guy should be an actor.

This is one of many numbers these a**holes call from. Always making up some name to try and get you to call back. They've been calling my cell using many different numbers over the last few months.

Don't call them back! They're selling our numbers to telemarketers and breaking federal law by using the do not call list ... as a call list!

Called me saying he was Greg Williams. Made it sound like I had a past due payment that I had missed, saying "I thought we had an agreement to resolve this issue". Jerk.

This guy is an All-Time j***-off extraordinaire. He was extremely rude, will not tell me what company he works for, no matter what. His "name" he gave me was Greg. When I called him back and asked what company he worked for he got all kinds of bent out of shape and asked Me how I got his number and what was I doing.!. and of course he hung up on me. But yet he keeps calling me, leaving b.s. messages, but hangs up when I call him back trying to find out what is going on. Don't waste your time on this cretin.

His new pitch is that he wants to talk to before he pursues a legal matters he's been retained for. I really want to find a way to prosecute this company for harassment.

this number keeps calling, but I get no message ever. I try to call back and it just rings and rings, no answer who are these guys

I agree Amy! These (IDIOTS) have been bothering me for a long time now. I get Chris Smith, Stacey Edwards,and Adm Hall all three of these (IDIOTS) they take turns. I am kinda glad to see these complaints, maybe if we keep screaming some one will check them out! If I could only reach them through the phone, I would pull a Homer Simpson and choke them forever!

I have been getting calls from these jerks for months now -- Chris Smith, Stacey Edwards, Adam Hall (who sounds exactly like Chris Smith) and this morning a new one -- Laticia, who left a message that it was "imperative" that I call her back.  Their messages are all recorded and it is robocalling.  One time early on, I tried calling back -- just got muzak and no one ever picked up the line, so WTF?  They call from a variety of telephone numbers, they never say the name of the person they are trying to reach (and I have a generic voice on my answering machine -- all legitimate callers usually say "this call is for ...."), and they don't identify the company they are calling from.  I have looked up other numbers that they have used and people say that this is a medical collection agency, which would exempt them from the do-not-call rules.  However, I have no medical bills overdue so it is harassment as far as I'm concerned and I wish there were something that we could do about it.

This number called my house this morning at 7:45am. When I asked who it was calling this early all she could say was Nicole. She would not tell me the name of the company stating that she doesn't have to give me that information. She then hung up on me. I called back to ask for a fax number and was told that they were not calling for me. Then this woman hung up on me. I then called back a second time asking for a supervisor and was transferred to "Adam". Adam told me that I was acting silly and my phone number would NOT be removed from there list. He also told me that "Sherry Edwards" spoke to a person at my house last week and they have it recorded. Well they are LIARS. We were out of town.

Just got a new cell phone from AT&T about 10 days ago. These a**holes already have my number! WTF?

this company keeps calling, the guys name is Chris Smith, it is a recorded message because i have gotten the same freakin voice-mail in 3 days.

I sent a certified debt validation request letter to the 2120 Crestmoor Rd. address on 09-11-2010 only to have it returned on 09-16-2010. The post office couldn't deliver because the business was unknown at that address. I guess my next step is to try the PO Box listed in previous post. When I was contacted by this company, they never identified who they were, that this was an attempt to collect a debt and any information would be used for that purpose. The number that showed up on my caller id was a local number. It wasn't until I began asking questions about the company that I was told they were based in Nashville. If the PO Box doesn't work, I may have to go to the original debtor and try to get some information from them.

Found this article. Apparently this is their physical address. Not that other crap they tell people.

By giving the right information to U.S. Bank National Association, this Nashville, Tennessee business was able to get an SBA loan. To get this loan, Capital Accounts, LLC gave the lending institution and the SBA a clear description of what the loan proceeds would be used for and how they intended to pay the loan back.

SBA Loan Borrower

Capital Accounts, LLC
2120 CRESTMOOR RD
NASHVILLE, TN 37215

SBA Loan Lender

U.S. BANK NATIONAL ASSOCIATION
425 WALNUT ST
CINCINNATI, OH 45202

This business loan was issued by a lender that participates in the SBA Express Loans program. SBA Express loans can be issued in as little as 36 hours.

SBA Loan Program Type

This loan was issued under the SBA Fast Track program, which later was renamed the SBA Express loan program.

NAICS Code

522390 - Other Activities Related to Credit Intermediation

Loan Approval Date

11/7/2006

Loan Approval Gross Amount

$50,000

Loan Approval from the SBA

Of the total $50,000 loan amount, the SBA guaranteed $25,000.

More Information on This SBA Loan

The borrower, Capital Accounts, LLC, borrowed this money for an existing business. The SBA's record indicate that the loan was not for investment in a franchise. At the time of the loan, the company had 9 employees. The SBA loan documents indicated that the loan would help retain 9 existing jobs. This loan was paid in full, and was closed out on 12/21/2007.

I did not see any number come up associated with the call. I only got 'Houston, TX.' and they have been calling me non stop. When I try to discuss this matter with them, they go far off track. They called me several weeks ago and legitimately my son was missing. I filed police reports, the whole nine yards. He was missing in a custody type case for 2 weeks. That is my personal issue to deal with and none of anyone's business. I told the woman point blank that day that quite frankly I was tired of talking to her since she wasn't listening and that my son was missing and I was too distraught to even deal with her and hung up. She calls back today and my son is no longer missing. That issue was resolved but I tried again to explain the situation to her and why I feel this debt is not owed. She then goes on to question me as a parent, to say I lied about my son being missing, to say I am making excuses to not pay my debt and so forth.

I called and spoke to Mr Greg Williams. I told him they shouldn't call here anymore, I notified him I would be sending a cease and desist letter and told him I would not tolerate his employees talking to me that way. Basically I was told by Mr. Williams that his employees will continue to call and have a right to talk to me any way they choose because they are attempting to collect a debt.

they might be a legitamate company buut the picture on their website is bogus. I know for a fact that they are not located in that building. Isnt that some sort of fraud?

We hired them and they are rude alright! May not be working with them again! They apparently record client calls too! And very pushy, we are the clients in this case. It's very sad to read these stories!

After interviewing with this company and after working a legitimate collections position, I have come to the conclusion that the collectors are indeed bottom feeders.  My interview consisted of a 25 minute conversation, and then a short series of emails asking me when I could start.  The hours for this company are from 730 - 600, Central, Monday through Friday (consistent with FDCPA of 1977 for call times).  All of the collectors are receive a salary plus a small commission of what they collect.  That's fine.  That's called incentive.

What I have a problem with from what I have observed is the actual collection practices that are employed.  None of the collectors use their real last names (which I can understand -- if you were collecting on a debt with someone who had a decent bit of technological savvy, would you want anyone to have your real last name?  nope, me neither.).  What I have an philosophical issue with is the incredibly berating manner in which all collectors deal with their clients:
- Hanging up on the debtors is a regular occurrence.
- One collector in particular, going by the name of Adam Hall (not his real name), will say things like "Good luck with getting your finances in order." and "Good luck getting this off of your credit score for the next 7 years."  He is the worst kind.
- No one that I've observed in my visit to the office indicated that any of the information that they were obtaining was for debt collection purposes.
- The PO Box is valid but corressepondence go through yet ANOTHER party.  Sending anything but a payment (which is frowned upon by this company) to the PO Box that's been listed here will get you nowhere.

I'd beware if this company ever calls you regarding a debt; don't assume that it's valid unless it's a non-medical related account.  More often than not, there is an error in the reporting... The accounts from vets' offices, lawn care companies, and so (from what I have gathered) seemed to be very accurate, but the rest of them are usually WAY off base.

The collectors though, are the WORST.  No ethics whatsoever and are informed that they should be "money motivated".  

Creditors, beware.  Working with Capital Accounts is only going to p****off your debtors.  Look out.

Just got a new cell phone from AT&T about 10 days ago. These a***oles already have my number! WTF?

Can you provide specifics as to collection efforts on debt you don't owe? Did they pull credit report on you?  Did they report to credit agencies that you had collections on debt you didn't owe?  Can you provide names and dates?  A similar matter has happened and I want to know if the company has a history of these types of issues.  Thanks

I have also experienced the same thing by Chris Smith.  When I did talk to him I was being very polite and courteous, but I guess being polite and courteous isn't something he is use to. At the time I wasn't working and trying to take care of my family the best way I could.  When he asked I told him I wasn't working, then he stated "If your not working then how you pay your phone bill," I told him that I was still staying with my mom and this isn't my phone, then he replied "Well why don't you get your mom to pay the bill for you," I was very agitated by that comment.  Another incident I experienced with him, I was still being polite.  I told him once again that I wasn't working and as soon as I get the money I was going to pay them.  Then he asked me was I disable.  So at that time I was very agitated so I told him that I was.  Then he asked do I receive SSI OR SS so I told him that I don't and then he said VERY RUDELY AND DISRECTFULLY I thought you said that you was disabled and etc... So I hung up on him!!!!!The way I see it is that if he don't like his job then he shouldn't be there and to quit harassing me and my family.

I have experienced all of the above scenarios.  The phone calls and the letters are all threatening and rude.  I have spoken to Chris Smith, David Hunter and Carlos Garcia.  They will not allow you to speak to a supervisor nor can you have a calm or civil conversation.  All they will say is, "Are you calling to make a payment?"  Over and over again.

I am now only cooresponding via letter and fax.  Do not believe ANYTHING they say to you or include in a letter or leave in a voicemail.  They lie.  Know your rights.  Their interactions with me have already violated both the Fair Debt Collections Practices Act of 1977 as well as the privacy rights as detailed in HIPPA.  

Do not assume that the debt is valid.  In my case it is not.  Ask in writing for the details of the debt including the original debtor, dates of service and any other pertinent information.  By law, they must provide this information.  Contact the original debtor to determine if the debt is valid and can you pay them.  

This company employs bottom feeders who make a percentage of what they collect.  They will do anything to get you to make a payment.  

Good luck

Yes, this company has been calling my husband and me and its a recorded voicemail that is left by a guy named "Chris Smith"......when I tried calling back, he was rude and would not give me any info about the debt or who it was owed to. He just threatened me and was rude and disrespectful. They are a legitimate company and their website is: www.usecapital.com

Let me tell you what. I use to own a collection agency, but always went by the laws governed by the state and federal governments. Capital Accounts harassed me, lied, called me names, contacted my 77 year old mother, and 92 year old father, who live no place close to me, and harassed them. I am one of the smart ones. In the state of Tennessee, it is legal to record a phone conversation, and i recorded all with them. I have proof of may law they broke, and have filed a complaint with the FTC. I have also filed a huge amount on law suit against them. This is where it will hurt, when it bites them the most on their bank account. I have researched collection agencies who have been brought before the Federal Government, and been sued. With proof, the collection agencies lose a bigger percentage of the time, than win. more like 85/15 against them. I recorded all conversations I had with Capital Accounts. I mean i have both Greg and Eric on tape breaking many laws. They use fictious name, but the real name will come out in court. Hey, after they lose in court, and i win all this money, then i will pay the 400 dollars i owe on my medical bil

They called at work, i didn't answer...becuase I don't answer numbers i don't know..after reading all of this..i'm glad i did..

I have experienced the same things that everyone has been saying. I was wondering if anyone that has taken legal action has ever won against these guys in court. I have a few names to add to the list of callers:
Chris Smith
David Hunter

Also is this a legitament collection company or are they committing fraud.

This is one of many numbers these a***oles call from. Always making up some name to try and get you to call back. They've been calling my cell using many different numbers over the last few months.

Don't call them back! They're selling our numbers to telemarketers and breaking federal law by using the do not call list ... as a call list!

Ok These boneheads Call and harass me ENOUGH. Here's my collection of info. To stop them calling you need to send a certified Cease Communication Notice stating them to stop calling you, by law of the FTC (Federal Trade Comission #877-382-4357). Call them and file a complaint, get ref. # to include in your letter.

TO: Capital Accounts, LLC P.O. box 140065 Nashville, TN 37214.

Since this is a PO box and certified requires a signature, you need to ask your local post office to have the Nashville post office sign for it. All you need is the certified slip to file a case against them cause there's no guarantee they'll stop calling. ASKING THEM TO STOP CALLING ON THE PHONE WILL DO NOTHING. They will continue calling. Even though them calling after you ask them to stop is elegal, You need letter to have any legal standing according to FTC.

Fax:          800-296-3317 Tn
Administrator #:      615-297-1575 connects to Capital Acct.
Phone:        800-282-3214 Tn
Phone:        971-223-0632 Or
Phone:        615-297-1575 Tn
Phone:        866-854-5359 Or
Website:      usecapital.com
e-mail:       wesleyshutt@usecapital.com  web administrator
e-mail:       service@usecapital.com
Administrator: Wesley Shutt
Supervisor:    Greg Williams
Caller:        David ?
Caller:        Carlos Garcia
 They all connect you to the SAME PLACE. The calls are routed through a foreign country I believe. DON'T CALL FROM ANY #'s THEY DON'T HAVE OR DON'T WANT THEM TO HAVE, OR E-MAILS.

DM is correct. The truth is just the opposite of what they told you. The Federal Debt Collection Practices Act doesn't say they can continually harass you with calls. In fact, the FDCPA forbids debt collectors from placing calls for the purpose of harassment.  The FDCPA also gives you the ability to stop the calls and any other contact from them.

The fact is, you have no obligation to communicate with a debt collector and you can put an end to their calls by informing them to cease communication with you. The best way to do that is by sending them a certified letter informing them to cease communication with you and warning them that you'll pursue legal sanctions against them if they don't comply with your request.  If they contact you more than once after receiving your letter, then they are in violation of the FDCPA and subject to being sued by you.  Just be sure to mail your letter via certified US mail with a return receipt request. Here is their address:

Capital Accounts, LLC
PO Box 140065
Nashville, TN  37214

By the way, here is a list of federal lawsuits that have recently been filed against Capital Accounts apparently alleging credit reporting and debt collection violations: http://dockets.justia.com/search?query=Capita ... 1&max-year=2008

For more information on the cease communication letter and other advice, check out the websites below -- many of which are either law firms or offer attorney referral services:

http://www.budhibbs.com/First.htm
http://www.naca.net/debt-collection-abuse/
http://fair-debt-collection.com/
http://www.fairdebtlawyers.com/
http://www.myfairdebt.com/
http://www.consumercounselgroup.com/

Hope this helps.

No, this is not legal.  After you request that they stop contacting you, they have to stop, otherwise you can sue them for damages and to force them to stop calling you.  They have no right to call you after you tell them to stop.