This happened to me yesterday. The representative gave specific details to my cowoker. What can I do? teesinfo
Sue the living crap out of them. I'm no expert at the law, but I do know that it's illegal for them to discuss your debt with anyone other than you.
Have you requested validation timely but they have not yet provided it, or have you requested that they not call you or notified them that your employer does not permit you to accept their calls at work? If so, you would have additional violations. If they were contacting your HR or payroll department and using legal appearing documents to request information on your pay, they might have additional violations under FDCPA.
validation The credit card i had was a gas card for my small buisness. I am the only one the company supposed to discuss this account with and the only authorized user. The representative told me he gave my coworker about my account. He apologized and said it wouldn't happen again. I told him my privacy was violated and I was very upset. I know that I owe this account and made arrangements to pay it off in 10 days, but he decided to call anyway. What will be my first step with this situation? Please help!
Are you dealing with the OC, or a CA? If it is the OC, they are not covered by FDCPA. Is the CC in the name of the business, or used only for business purchases? If so, the debt might not be consumer debt, and the collection of it might not be covered by FDCPA.
Yes the cc is in the business name. Can they still discuss the account with someone other than the cardholder?
If they were calling the contact number provided for the business account, they could claim they thought they were just calling the business. FDCPA does not cover the original creditor, nor does it cover business debts. If this is an account that is not yet in collection, you are probably best off accepting their apology, and making it clear to them that you are the only party they should contact about the account.
