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Question
every time i get behind on my credit card bills capital one will call my parents and tell them i have a VERY serious matter that needs to be taken care of. they live in Washington and i don't even know why they started contacting them except for i live in their house in Arkansas. isn't it against the law for them to contact my parents and imply that I'm behind on my bill? they also contact my workplace repeatedly.
It does not sound like they have released any confidential information so they have not broken any laws.
If I were you, I would send them a letter asking that they only contact you about your account and to leave your parents alone.
If you are not allowed personal calls at your POE, include this information it your letter and ask that they only contact you at your home number.
Thank you for your question and I hope you find this information helpful.
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Answers by Expert:
Ray A Miller
Expertise
I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.
Experience
I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.
Organizations
ACA International
Education/Credentials
Some college
ACA Certified Collection Specialist
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