Hi Paul and the Gang,
I’ve written to you previously and thanks to you and everyone involved with BrokenCredit.com my credit is stellar.
My new problem is related to a Dr. bill that my Worker’s Comp. insurance didn’t pay. Dr.’s office originally billed me and I forwarded the bill to my attorney, who forwarded to the ins. co. I never received another bill, so I figured it was taken care of. About 2 months ago I started getting phone calls on my cell phone from an unknown number, I ignored the first 2 and I answered the 3rd and they hung up on me, so I called them back asking who they were and what they wanted and they refused to tell me who they were and kept asking for me to confirm who I was and I wouldn’t until they told me who they were. So they cursed me out and hung up.
The next time they called, I answered and again they are asking me to confirm my name, address, phone # without ever identifying themselves, I said to them I thought by law you have to give me your name, company, and state your reason for calling and I’m not saying anything until you do. Again, they curse me out and hang up.
I call them back and demand they tell me who they are and again they curse me out and tell me they don’t have time for this and hang up on me again. So, I google the phone # and it turns out to be a CA. Since I don’t have any bills that I don’t pay and nothing in collections, I call them and inform them I know who they are and demand to know why they are calling and get this, they look it up in their system he tells me I don’t have any clue why we are calling you, all that’s in our system is your name, address, and #. I tell him to remove my info from their system.
Two weeks go by and they call again and tell me it’s for a Dr. visit and I tell them that bill is related to Worker’s Comp. and I have an attorney, I give them his name, address, and # and tell them any questions they have about this bill they need to contact him.
The next day they call again and I tell them I have an attorney, why are you calling me? They acted like they didn’t know and I tell them again. The next 2 days same thing and now I am becoming furious that they keep playing games that they don’t know I have an attorney and they keep telling ME my attorney’s name thinking it’s funny and I told them I’m filing a complaint with the Attorney Generals Office. They state to me, you go right ahead and while you do that I’m gonna screw your credit all to hell, see how you make out!
I immediately went to the computer and filed my complaint with the A.G.
The next day they call again except now they are asking for people I don’t even know. I keep informing them that if they aren’t calling for me or my wife then they don’t need to call this # I also remind them of the other incidents and I feel they are only calling to harass and abuse me and I told them I filed the complaint with the A.G. and that I was going to include this as well, they hung up.
I filed a secondary complaint with the A.G.
They still call everyday and I don’t answer, I figure I will just wait for my cell bill to come and I will highlight all the calls and send that to the A.G. and keep for the lawsuit I intend to file against them.
Now this brings me to one of the questions I have. Doesn’t a cell phone company have to provide you with a detailed phone record? Because on my phone bill none of the calls (that I didn’t answer) were listed and the calls I did answer from this CA were listed with a different # than was on my caller-id??? Is that legal? I always thought your phone record was your phone record regardless of cellular or landline, aren’t they a phone company period. Now that I need this as evidence, I am left empty handed. If CA’s become aware of this then they could call someones cell 50 times a day and as long as they don’t answer then they have no proof. This would leave consumers wide open for abuse.
Meanwhile, I called the Dr.’s billing dept. and gave them the ins. co. info. and the bill has been paid, yet the CA continues to call everyday asking for “other people”.
Now I received a letter from the A.G. stating that my complaint is resolved with a satisfactory conclusion??? Included was the CA’s response to the A.G. stating that my # would be removed from their system and that if someone else gave them my # as a contact they have no way of knowing they have a wrong #. Even though I told them several times and they called me 53 times in 30 days. The A.G. confuses me, they didn’t address the abuse (foul lang.), the harassment (calls), violations (calls after 9pm and after they were informed I have an attor.), and more violations because they continue to call me, even TODAY.
How should I respond to the A.G. or is there another avenue I can take? How do I get proof of the phone calls when they won’t list them? How can they mask their business phone # on my bill and isn’t that deceptive business practices?
Also they looked at my credit report, since this is a medical bill and not a credit transaction wouldn’t it be illegal under FACTA. Could you also clarify for me: As I understand, with FACTA No credit inquiries (hard or soft) are permissible unless it’s related to a credit transaction. So, basically by their definition only credit cards and all loans fit “credit transaction” (no credit check initially, no permissible purpose in the future?)Right?