|I was contacted early this year (2010) for an outstanding credit card bill. I instructed the individual to send me whatever they had for information so I could respond as I had (4) credit cards with that same bank. I also told the rep I was disputing the account.
I never received anything from the company until I was notified by my employer I was being sued in Sept 2010. My employer was served the legal filings for the court lawsuit after no further attempts to collect or contact me regarding this account.
I located a credit bureau printout of my credit and I saw PCC had made a credit file for a collection account from the bank card they were trying to collect from in March 2010. After I spoke to the rep from PCC and verbally disputed the account, PCC updated my credit file as disputed in May 2010. Yet they never sent me the paperwork so I could dispute the credit account in writing.
I filed my court response papers and further did some more investigative actions into this account. I received a collection letter from this company after they received the court repsonse filings from me. I called the attorney contact number for the company that was placed on the court filings.
I received a return call from what ended up being the collection company and not the attorney.I was intentionally misled into believing I was speaking to an attorney or someone from the attorney's office.
I filed a complaint with the BB of Los Angeles. I located the number I called on the BBB website for the attorney for PCC. Turns out the number belongs to PCC and is listed as a fax number owned by PCC. So they have filed fraudulent court papers intentionally misleading consumers into hoping this lawsuit will go away with a settlement.
I believe this company has violated so many of the Fair Debt Collection Practices Act laws and California Collection laws along with court procedures along with fraud that this is nolonger an attempt to collect a debt; It has elevated to the level of extortion. Willful and intentional violations of the law with representation to make it go away if we just settle while filing fraudulent court papers, and attempting to collect after court suit has been filed elevate this claim.
I cannot wait to file countersuit after my dispute with the Credit Card company is returned.Maybe I should get a lawyer instead of doing this pro-per.