I hate to admit it, but I have been harassed by a collection agency for the past few months and lately it has been getting worse. The calls always come at night (with the most recent one coming about a half hour ago), and I have received them as late as 10:30 p.m.
Of course, the gutless cowards don't actually make the calls themselves. The messages are totally automated, and it is obvious from the message that I am not the only one who is getting them.
After the first few words of the message are spoken, there is a pause and then a different voice names the person who is supposed to be getting the phone call. "If you are not (insert name), please hang up. After that, I am told that Financial Federal is contacting me about the money I owe and I am given a phone number to call them and correct the matter.
I am a stubborn person. I have not called them and I have not made any attempt to correct the matter. It is unlikely Financial Federal is going to leave me alone. I did some quick internet research and apparently this company is well known for its merciless approach and constant skirting of the Fair Credit Act.
A few moments ago, I filled out a form with the Better Business Bureau to report this company's pattern of harassment. This is not an effort to get out of paying my bills. In fact, I have an excellent credit record. You will understand what my problem is with Financial Federal when you read the text of my letter to the Better Business Bureau:
For the past several months, I have been harassed by Financial Federal. The calls began a few months ago. At first, they came on a weekly basis. Lately, I have been receiving them on a nightly basis, including Saturday and Sunday and as late as 10:30 p.m. Each time, it is a recorded message telling me they are calling about my debts.
The calls are apparently are being received by many people since a different voice inserts the name. The harassment would be bad enough, but these calls are being left for someone named Chris Scarletta. I don't know a Chris Scarletta, I can't find any record of there being a Chris Scarletta in Joplin, and I have had this phone number for almost five years, and as far as I have been able to determine, no one named Chris Scarletta had it in at least two or three years before the number was assigned to me. The company has apparently not even made an honest effort to reach the actual Chris Scarletta.
I wonder how many other people are suffering because of this company's unethical tactics.
Any help you can give me would be much appreciated.
At first, I thought there has to be a place in hell reserved for people like the ones at Financial Federal, but the more I thought about it, the realization occurred to me- hell is too good for them.