Friday 7th of December 2018 08:05:47 AM
I got a payday loan from Ace Cash Express about 3 months ago (give or take a month). Soon after my wife went on maternity leave for our 4th child (and was to receive only 60% of her pay), and are only car broke down as well, so I was unable to pay it back. Ace Cash Express began calling me at home, no big deal. I was polite with them although they were very rude, and said enjoy the money loser! before hanging up on multiple calls. Then Ace decided to call my work. I am a supervisor of a night call center, and when they call there is no secretary at night so I pick up the phone when there is a call. So when Ace called at 4:30 PM (shortly after I had arrived) I explained that I cannot receive calls regarding this at work. The girl said she did not care, and would continue to call until I paid. I explained that that is against the law specifically the FDCPA and I asked for her name, and explained I would be contacting her supervisor, as well as, the attorney general, and a lawyer if they were to call my work again. About a month or 2 passed before I received a letter from my boss's boss that stated he and numerous others at the company had received numerous calls from a Antwon Wills, and to please call him regarding a loan, and gave me all the details about my account (clearly against the law and the FDCPA). I immediately called Antwon who began yelling and lying stating he can call whoever he wants and that there is no law stating he cannot call my work regarding an investigation. I explained that even if you state it is an investigation it is still an attempt to collect a debt which by law has to be stated during each call, and since he knows not to call my work, which I again reiterated 3 additional times to him while he was on the phone, he is violating the FDCPA and I would be taking legal action if it did not stop immediately. He then went on with some additional lies which again violated the FDCPA stating they were working on putting a hold on my social security card, and driver's license, funny as this has not even been taken to court, and even it were to be taken to court no judge has the aiuthority to put a hold on someone's social security card for not paying a payday loan, duh. Iagain explained stop calling my work and he said F you I will do as I want, and hung up. About 2 minutes later the same guy calls my cell phone stating he has my boss's boss on the phone (bear in mind my boss's boss was walking out the door as I am on the phone so I knew he was lying) and will I give him authorization to conference us together. I stated I told you already to stop calling my work as I cannot get calls there regarding these type of matters, and further I knew that he was lying because my boss's boss was walking out the door right now. He replied oh wait looks like the call just dropped....ok buddy. Anyway my boss's boss asked me to take legal action against this company for harrasment and numerous violations of FDCPA. My boss, and my boss's boss both signed letters stating that they have on numerous occassions explained that I cannot get such calls at work as they are not allowed, but the same guy keeps calling anyway giving personal information out in hopes of harrassing me into paying which does not work. So I am going to be filing a complaint with the police tomorrow for phone harrassment, contacting a lawyer Monday, contacting the attorney general, the FTC, and will also be attempting to get a restraining order against both the company and the person since they are breaking federal law and harrassing me at work after being told by numerous people such calls are prohibited.