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Amex needs to FIRE GC Services for harassing customers and breaking the law
Posted by on
Sent to American Express in response to their "Assistance you might need, GC Services has your account now" letter.

American Express
Attn: Someone in leadership please.
P. O. Box 297808,
Ft. Lauderdale, FL 33329-7808

Re: Your “Assistance you might need.” Letter received November 24, 2009

To anyone who will listen, (This really is worth reading and can/will save Amex money and good will)

I received your letter offering help and assistance, and frankly that was refreshing in comparison to most companies approach to collecting money. And thank you.

But… here’s my challenge, if you will please listen and forward this to anyone who can help and use this information.

After having some of the worst financial and job challenges in my life all coinciding with the biggest national financial disaster that I have every lived through, and compounded with the birth of my daughter (a blessing, but the timing wasn’t the best financially), I was forced (this was not a conscious choice) to default on some bills and prioritize for simple survival reasons. It literally came down to struggling to keep our 3 basic needs of Food, Shelter, and Transportation, met, and then add diapers, baby clothes, etc. etc. etc.

Having been raised to be responsible and pay my bills and served our Country in the US Air Force during the Gulf War and lived through some very tough times, this has been more unbearable. I went through one of the darkest emotional points in my life when I should have been relishing in the happiness of the birth of our baby girl. I cannot describe the challenges we had without getting emotional. The nights lying awake wondering how we would get through this and how I would provide for my family. The thoughts of worthlessness, and failure were overwhelming. Sitting on the floor with our infant with collectors calling and screaming, yelling, and berating me as though I did this on purpose.

Over the past 3 years, we have lost our home (and we were fully documented "A" borrowers, not subprime borrowers), lost jobs and income to the tune of nearly 50% of what we used to bring in in income pre 2005, and expect it to take years to unravel the accumulated debt that we accrued prior to the financial meltdown. Our equity vanished, our stocks and retirements evaporated, and savings was completely exhausted.

I realize that none of this matters when it comes to the debts and business at hand for your company. And frankly I understand your position to have to collect the debts for the survival of your company and shareholders as well.

But, at what cost do we lose our humanity for money, and at what point do we all realize that we are in this together and that if we all remain reasonable and understanding that we can work through this and solve all of our problems amicably?

I can only speak for myself of course, but I did not wake up one day and decide to “not pay” Amex. What has been called the worst financial disaster since the great depression, was bound to affect everyone in one way or another and some worse than others. We have all lost lots of money, and continue to lose more. But with all of that said, I have always made it clear, that I WILL pay my debts with one certain and unavoidable necessary condition, that the company I owe is reasonable and fair in how and when I pay it. Basically time is the issue. Beating me when I’m still down does nothing but push me and others into states of paralyzation, that doesn’t accomplish anything for anyone. The fact is, that I and most in my situation, simply don’t have the money right now, but will eventually as we all recover, and in the mean time, all of the hostile threats from the “hired guns/Collection companies like GC Services, will not change that reality, but rather force us into fully avoiding them and back into a mental survival state, rather than simply working out a nominal monthly payment and 6 month review of my income, job, and cash position. Isn’t something better than nothing or forcing Bankruptcy on me/us?

So, with all of that said, I want to address GC SERVICES, the collection company (one of them) that you use.

GC Services has got to be one of the most brutal, heartless, nasty, law breaking, firms I’ve ever dealt with, to the extent that the last account that I had that you sent to them (before this one) resulted in my having to file a lawsuit, although the lawsuit was ultimately settled to my satisfaction, it was the extent I needed to go to to protect my rights as a consumer and stop the brutality, public humiliation, harassment, and overall offensive behavior, that did not lead to anything productive or beneficial to Amex or myself. I didn’t pay any more money than I would have at the time, and the account had to be transferred to another collection firm whom handled the account very professionally and respectfully, and to date, we have been on a solid payment plan and I have paid down a massive portion of the debt over time and continue to do so without ever missing a payment. What do they know that GC Services does not know? Why doesn’t GC services understand this approach and choose to break the law and berate, yell, accuse, and harass people? And finally, why does such a respected company such as AMEX choose to align with such a firm? The only answer can be that their tactics work and the casualties don’t matter.

Let me list the consequences of their behavior:

1. Increased rate of Bankruptcies to stop their calls.
2. Increased rate of disappearing debtors trying to avoid paying the debt.
3. Anger and retaliation by debtor by not paying bill.
4. Lawsuits that cost everyone time, energy and money to hold GC Services accountable to their illegal and unethical tactics.
5. The saddest one. Suicides that never get attributed directly to them, but their contribution to crushing someone who has lost everything already, is impossible to ignore. I was at a funeral 6 months ago for a father of 3 and husband who took his own life because he could not deal with the financial disaster in his life. Apparently the collectors were calling daily and many couldn't care less and just wanted their money at all costs. In the end, he lost his mind. Read the stats, in many communities that have been hit the hardest, the suicide rate is approaching or past 10% higher than pre-financial meltdown periods. No doubt those people were getting beaten up by collectors who wouldn’t work out anything reasonable. These are human beings who thought it was easier to die than push through this! Fathers, mothers, brothers, sisters, sons and daughters for Gods sake!!! They made a temporary problem permanent and you treat the debt as though it is a "right now" problem that has to be solved...or else!

Here are some of the tactics used by GC Services that I personally experienced and witnessed:
1. Calling 3-4+ times in one day. Even after speaking with me.
2. Leaving angry and hostile messages on voicemail.
3. Calling coworkers and family members under the “cover” that they are just “trying to locate”, even though they have the right phone numbers, addresses and even speak to the debtor. They just aren’t getting the money they want or as much as they want, so they use this tactic to pressure it out of them.
4. Calling neighbors and friends.
5. Threatening to sue and garnish wages.
6. Threatening to embarrasss at workplace.
7. Read off of current credit report all of the other debts to intimidate. They actually say “wow, look, you are even losing your home to foreclosure, ha ha”…

Now, I’m sure their tactics work quite often, they worked on me for the first few weeks, until I discovered that much of what they were doing was flat out illegal and I sought out a consumer protection attorney.

But, here I am again. My other account was just transferred to GC Services now, and low and behold, the hostility and anger has begun once again. I immediately contacted my attorney and we are preparing for round two with them.

Three things I would be humbly appreciative for you to please consider. 1. Transfer my account to a new collection company or back to AMEX and I would be happy to discuss some reasonable temporary arrangements while I work to recover financially. And 2. Seriously consider your use of GC Services in future collection needs. 3. Consider keeping these accounts with AMEX longer and working on modified payment arrangements as Bank of American, Citi, and others have.

A final note, this account was never behind one single day, and was closed by AMEX because one of my other accounts fell behind too far and AMEX (you) sent it immediately to an outside collector who was ultimately unreasonable with my payment plan needs. This all could have been prevented.

Thank you for reading,
     
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Anonymous on 11/25/2009:
It is not reasonable to think that Amex will stop using GC or will transfer the debt back in house. You owe it and they will try to collect at any cost.

Send GC a cease and desist letter, certified return receipt. If they continue to call they are in violation of the law and you will have legal recourse.
bunnyhead on 11/25/2009:
The past 2 years I went through a similar situation (due to illness)and I was receiving numerous collection calls daily. Almost everyone I dealt with was willing to accept a payment plan that I could afford and that really helped. Your letter was very well written and I agree with your points. I like you, didn't wake up one day and say "I'm not going to pay my bills anymore." These companies need to realize that this can be a temporary problem and we all need to work together to get through. Good luck.
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Getting sick over my debt
Posted by on
MBNA was the original name of my account.....I deposited a loan of $5000 to help me pay off 2 of my credit cards.....after I PAID OFF the two credit cards I began to pay MBNA back $107 monthly we were doing well in paying off our debt until August 2006.....My husband and I just had a baby boy in July of 2006 we couldn't have been happier and everything was going really well until we brought our son home from the hospital after a couple of days he just began projectal vomitting we had no clue as to why went from dr to dr formula to you name it he drank it acid reflux medicine you name it we bought it as all this is going on we're still paying down our credit cards so far we not drowning in debt but getting are feet wet so after all this back and forth to dr's 25 dollars for co-payments up to 20.00 per bottle of neutramagem per can we were starting to get nervous already but still managed to do what we had to do to feed our child and take care of him medically but he was still vomitting even after all the medicine and changes in formula...at this point as a parent your main priority is of course your child... so we finally took our son to a specialist and she tested him to see if maybe he has allergies and of course he does he's allergic to molk, milk protiens and soy....so now what well they put him on this formula called Neocate the Dr said that's the only thing he could drink well I was so happy that they had something for him but the down fall and the financial drowning begins here just go on the web site to see how much this formula cost and guess what our insurance company doesn't cover it so for a family of four with only 600 per week coming in how could we do this and unfortunately we had to stop paying all our bills we were litteraly living pay check to pay check side jobs galore and God only knows how we managed to feed, dress, and live for we were not used to this struggling and my poor daughter who was seven at the time didn't understand why we couldn't go anywhere, buy anything and had to eat pasta all the time......but wait it gets worst I also have my daughter's Commmunion coming up and what do we do.... we had to cancel her party and guess what no deposit comes back to us....and that same day was her reconciliation and right after that we go back to the house feed our son his first jar of baby food and 10 minutes later his face blows up like a balooon and he starts making choking noises we all paniced ran to the ER and thank God we arrived when we did....He was having a severe allergic reaction to the whey in the food... we almost lost him that day May 10 2006 I'll never forget that feeling ever thank God again He's still here with us......So after that we had to get an eppy pen Guess what that's not covered by my insurance either so $300.00 later and definitely worth it digging ourselves into further financial distress still doing what we have to....just to survive now our son develops a bad rash threw out his whole body back to the dr's this time the dermatologist he found that my son has atopic dermititis and sever exima by this point I'm drained and just want my son to be healthy so now to put the icing on the cake he now needs all these special creams which again are not covered by my insurance so $75.00 later further in debt.....We're emotionally drained and heart broken over our son want him to just be healthy and happy.....and the bills just keep on growing all the money that we paid into our accounts are now more than the original debt and can not pay a penny we can't even afford to go bankrupt.....so now all our original accounts are with collection agencies and we called credit sollutions to try to stop some of the intimitating phone calls and they were able to help with some except for the MBNA account which is now Bank of America Who's collection agency is GC SERVICES LIMITED PARTNERSHIP COLLECTION AGGENCY DIVISION and we now owe them $5559.96
the first time they called me I told them exactly everything I just shared with you in this review about my son but with more emotion tears were uncontrollable and my heart was broken to hear the way they responded to my worst experience in my life without a care in the world they proceeded to say they needed the money in 48 hours and didn't care about me not having the money told me I should give my son up for adoption or better yet sell him or even sell my body give my neighbor a BJ .....I was never more insulted in my life I don't know why I didn't hang up on them but I didn't I told them that I had given power of attorny to Credit Solutions and if they had anything else to add to please address them and instead of me hanging up on them , they hung up on me....but to add insult to injury they called my mother and father-in-law trying to get money out of them because my husband and his father share the same name and believe it or not the same birthday.... my father -in law is 84 years old and they told him that his son took out a loan in his name and that if he doesn't pay it back they are going to press charges against his son....and to top it all off the also called my husband's Sister and told her the same story that they told his father and also asked her for the money......until today and I'm sure tomorrow they call and Harass my in-laws and my self more than 10 messagges per day on all of our answering machines and now my whole family knows our business and of course know one is able to help us......I just don't know what to do anymore my heart is shattered into a million pieces and I'm afraid to answer my phone.....Please help..........
     
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Anonymous on 02/19/2008:
I am very sorry to hear about your son and I hope that everything turns out well, you sound like loving, devoted parents and are doing everything you can for him.

As for your debt, don't ever think a collection agency will care about your problems - they've heard every sob story out there and are trained to not have an emotional reaction - they are there to do a job, collect the money that you owe, and that's it. You may not think it's fair but that's the way it is.

Have you or your husband considered getting a 2nd job for a while until you are able to get these debts paid off?

Good luck!
Principissa on 02/20/2008:
I'm sorry for your son's illness. I have two boys myself and that sounds so heartbreaking and stressful.
Collection agencies are ruthless. Sadly because they've heard this story and stories like this so many times they honestly don't care how much money you don't have and how sick your child is.
The only suggestion I can make is to have your spouse get second job for the time being. Unfortunately that is the only way you will get these people off of your backs. Once again I'm sorry for your son and I hope he gets better soon. By the way, have they ever tested him for something called pyloric stenosis? I had that when I was a baby and used to projectile vomit everything I ate 15 minutes after I ate it. Next time you go to the pediatrician ask him to check for an olive size lump in the duodenum.
Mrs. V on 02/20/2008:
I don't know what state you are in, but I would suggest that you go down to the WIC office and explain your situation. They may be able to help with the food bills a bit (any little bit helps).

Also, please think about trying for medicare for the baby (he may or may not quilify, but you never know).

Good luck!
thensider on 02/20/2008:
All of these suggestions are right on point. Also, I would like to let you know that the law says that cridotors can not talk to ANYONE about the debt, except the person who owes the debt. They CAN cotnact family to get your current address and phone number, but they cannot tell them who they are or why they are calling. They have obviously broken the law, therfore, you should contact your states attorny general and the atorny general for the state the collections agency is in. You can also write them a letter telling them to cease and desist any communication with you.(make sure you send it certified/return receipt)and if they continue to contact you, they will be, once again, breaking the law. I wish you and your famliy the best of luck, and I do hope your son gets better.
Slimjim on 02/20/2008:
GC is a third party collector, therefor you can send them a cease communcations notice they have to adhere to. Credit solutions I assume is a credit counseling agency. They really should be able to help you here. Unless you just signed up, I don't know why you even getting calls as BOA should have pulled that debt back because they are being paid now.
FoggyOne on 02/20/2008:
Call the Attorney General's office in your State and ask for advice - they can point you to publications, etc that may help you. Be very careful about using another 'loan' company to help you. Many of them prey on the desperate and unwary with big fees and high interest rates.
ckb2477 on 05/18/2008:
First off I would like to say sorry to hear that you are having such a hard time and hope everything works out for you son. Now as far as GC services is concerned. I work for the company and I can tell you this much, they have a zero tolerance policy for that type of harassment and disclosure and will take steps including termination of the collector for that. All you have to do is call the collection office number listed on the letter sent to you and request to talk to an AM or Collections Manager and explain to that person only you situation. They can work with you to either set up payments or get you a settlement amount to resolve the bill. However to get the settlement, which could vary between 10-50%, you will have to show proof of hardship by providing documentation supporting your claim. They then review the information and submit it for approval. However, here is the catch, depending on your available credit and your credit score, you could be open to a lawsuit in which case you would be responsible for all attorney fees and court cost. So if you and your husband do have a high score and assets, then liquidate your assets and resolve that before its too late. As far as the contact to your father in law with the same name and birthdate. Collectors verfiy the individual by name and birthdate and even the last four of the social if the first two don't add up, which they did. So that might have been an honest mistake or it could be intentional. Contact depending on the state your in varies and it would be best if you did a search for fair debt collection practices act. You should find some detailed answers there. Other than that, the only other advice I could recommend to you is that you can verbally notify them to cease all verbal and written contact with you and your husband, however before you do that make sure you review your credit score and assets because that can force your account in to the legal office for suit.
crashmonkey on 08/28/2008:
GC Services is the worst! They have more complaints than any organization I have ever seen. I don't see how they stay in business, they don't work with anyone and are emotionless people who don't care about anything but collecting your money. The Federal Trade Commission has investigated this company due to their ill debt collection practices. I would file complaint after complaint with the federal trade commission about them if I was you. Make sure it is a solid complaint though. I have had to personally deal with this company and have done the research and looked up the laws they are governed by and they don't follow any of them. Look up the Fair Debt Collection Practices Act. It will outline how companies are supposed to go about collecting on debts. Myself and the debt management company I am enrolled in have filed multiple complaints on this company. What has helped me the most is a little box called the daan module that redirects all my creditor calls to their office. All I have to do is press the star key and hang up the phone. Look them up online maybe they could help you. Its creditalliancegroup.net they are pretty good people. anyway I hope I have helped a little. I used to be in the Marine Corps and my old Sgt used to tell me that knowledge is power. So get on google and educate yourself on your options.
Renee on 08/16/2013:
I'm sorry about your son. My son, now 6, was also on neonate for almost 14 months, at $40/can that got to be extremely expensive especially when he'd eat more than 1 can a day. Talk to your insurance company, they should be able to reimburse some of the cost for the neonate since its medically necessary. They will need receipts. The only thing they won't cover is the shipping. You can look on Ebay for it as people sell their extra and it's less than $40/can! I was able to get about $3000 back from our insurance after we provided the letter and prescription from the Dr. Again, they won't reimburse 100%, but they will cover some of it.
I hope this helps. My son has the soy protein and milk protein allergies in addition to some others as well. It's hard, I feel your pain. Will be praying for you!
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An Employees View
Posted by on
I work for GC services-and every review is correct. Gc services not only treat the customers like crap but also its employees. Try working somewhere and you are told that no matter what the situation is, collect as much money as possible. I had a lady call in and say that she couldn't make a payment because her husband had died only 3 days prior to our conversation. I called over a manager and was told-OK her husband died, what does that have to do with her paying what she owes... I mean, some of these managers act like the payments are coming to them or something. When I was hired I was told it was customer service and it wasn't. Where I live jobs are few and far between but I saw in our local paper that they were hiring so I went down and applied. Since I was hired more than 60 people have been fired or quit. Now there is about 30 people that work in my department and the number is dropping daily. We get paid time off for sick days-you earn so many hours per pay period. We were told that to take them you have to request them and get approval at least 30 days prior to use. And lunch or breaks...Hahahaha. We are supposed to get two 15 minute breaks. Yesterday our names went on lists to go on breaks because they are so short handed. I usually take lunch between 4 and 6pm because I work the last shift. I got my first break at 555pm and my dinner/meal at 945pm I get off between 10 and 11pm. I never did get my 2nd break.

The client is supposed to be at work today and when they come its horrible. The managers start acting like they care and why haven't you taken your break or meal. Or my favorite, they try to act like they know who you are and try to call you by name until you correct them because they called you someones name who they fired. Have you ever been written up because you passed out at work and sustained a head injury-one girl did.

She was working over time-to help a specific manager out and she collapsed, hit her head on the concrete and was rushed to the hospital by ambulance....Gc wrote her up for being late coming back from dinner, failure to finish her shift, and not calling in the next day....She was in a drug induced coma by our major hospital because of swelling in her brain. When she did try to come back to work she was told to go home, another write up. She is now 100% disabled due to the head injury. I know for a fact that customers are getting the short end of the stick. They call in and ask for help in paying their debt and we are told to tell them they can't make arrangements they have to pay it all now. Customers be careful who you have credit with and check to see what their collection department does with accounts. If they use outside collections, its probably GC services.

Here are a few companies I know use GC services...Toyota financial, credit one bank, Capital One bank, Harley Davidson, and Home Depot.
     
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Anonymous on 01/22/2009:
Unfortunately, FLSA only steps in on lunch and break issues if your state has a law mandating them. There are reasons many collectors behave the way they do when dealing with debtors. Your post described a lot of them.
Angela Hayes on 05/04/2014:
It was the most abusive place I had ever worked. And I was a top collector I actually got the highest cash payment in history but was still made to feel inadequate or stupid. Getting in trouble lime a child for being frustrated. My grandson who is 2 was attacked alone g with my daughter and son in law I was forced to choose over my job or family. Its sad I had to make that decision.

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Violation of "FDCPA"
Posted by on
HOUSTON, TEXAS -- WHO IS REALLY RELIABLE HERE!! Government needs to check on agancies like this!

This company GC Services Limited Partnership Collection Agancy Division
6330 Gulfton, Houston, TX 77081

Citi Bank Sells our consumer information to this company once a card has been closed. The GC Services then takes that info uses it to obtain other info for their own collection purposes, like calling relatives and asking info they already know. They will say CITI BANK gave them the info which again is not true at all, even though Sears company & CITI Bank says they have nothing to do with the account anymore and it belongs to GC Services, they should not allow the company any other peoples information never to sell anything to this GC Services company again why would you after they accuses Sears or CITI bank of something they have not even done. This company says they got personal information provided to them by CITI Bank Citi bank denied that fact, these GC Services are cold hearted ppl that will act like they have a right to have your info DON'T GIVE IT TO THEM! They have called our family and left messages with them to give to us, even though we have spoken to them 3 days prior & updated our information. When asked what the purpose for the call to our parents was they responded with "for location purposes" which like I said we already updated out info with them 3 days before they called our family. I even told [snip] extension I will keep private, I let her know I had not received the paper from GC SERVICES yet to verify they have my account. And that as soon as I do we could discuss further payment plans, I did not even get that written letter before she already called our family. No reason for that call to be made when they had our current address our current phone number and all info they needed to contact us. Very rude company, [snip] transferred me over to her supervisor [snip], which did not answer any of my questions and I started recording the conversation, they assured me all they "FDCPA" laws were being followed, but I assure you they are not. There is no reason for these ppl to harass us, do internet searches they need to be honest if/when they do. I encourage everyone to record any conversation you may have with this company, (letting them know of course).

But also please let CITI bank know what kind of ppl they are selling our information to, crooked ppl even if they (Sears- Citi Bank) don't have control any, more they did before they handed it over to these collection agency. PLEASE HELP OUR FELLOW MAN LET OTHER KNOW please thank you
     
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goduke on 02/01/2010:
I'm pretty sure that once Citi has written it off and sold the bad debt, they aren't really concerned with the customer's thoughts on the company to whom the debt is sold. So exactly which portion of the FDCPA did the violate?

Raven should be able to weigh in on this company. Any experience, Raven?
Talk360 on 02/04/2010:
tHEY VIOLATED parts of the FDCPA like for instance, Conctacting our family for information that was already known to them. I had spoken with them 3days prior confirming all my info, informed them I was waiting for there officail letter to arrive by mail.They made 1 call to us , and expected us to believe evrything they said & pay whatever without anything in writting (I don't think so,lesson learned b4). I asked how they obtained that # to begin with, they stated:"it was on your account under account reference when you very first signed up for the card" Said GC Services limited partnership collection agency division. Citi Bank confirmed that # was never on my account, Yet GC still sticken to the story citi provided it to us. Citi probably doesn't care about the account at all after it gets passed down they should. If banks sold accounts to proffessional companys then it might help the collection process a bit/4 every1. I was never told where the number came from for real if it was off the internet or they used phone books tell me that, why lie about how they got my familys # unless it was illegal/?/right. $97 in just fees alone in 1 month is outrages (not sayen that's a crime). I asked about interest fees and ck process informantion which I was told its all the same as "Sears" policy & procedure. If they didn't want to explain it I would have wrote a letting asking for it, which they never explained it nor did they ever say I can mail you/ or you can write us for that info in writiting. They made it very clear stateing "CITI BANK" ownes my account card was under & that they are the worlds largest bank-GC saying"You do not want to mess up with them". Like what was the reason behind that, needing to be said out of the blue? Nor did they verify any of ny husbands information for security purposes, they just took my word on it during a conversation with Steddford & Hazard. I'm sure I'm not the only 1 that thinks making sure its the right person is important.I'm just now reading up on all the laws & helpful hints ^its a pain
Anonymous on 02/04/2010:
It is standard for a collection agency or 3rd party collection agency to attempt to verify any info they have on a debt they have taken over. Just because Citi knew your info was correct, GC doesn't. Otherwise, to them it should have been collectible. If the account has been sold, then you deal with the new account holder. As to how they get your family's numbers. Skip tracers are good at their jobs.

I love when people don't pay their bills always get bent out of shape hollering about the collection practices. Just pay what you owe and you won't have to deal with them.
Talk360 on 02/08/2010:
Once Citi bank puts a debt as "bad debt" otherwise write it off, they sell it. Meaning that the new company must send out their own privacy policies and own verbal contracts are made (promises).I'm pay all the bills I owe But I will not pay for what I don't or set myself up for failure.I've been screwed only by doing the right thing setting the payments up, asking all the info,collectors hanging up on me Creating aliases for me posting them on my credit Report.They lost my automatic information w/ auto-pay.If companies want to charge me fees for my stupidity. If I mess up & don't make the bill for whatever reason "cool" my bad ya know did it I understand.But when my personal affairs get involved and the companies don't want to play by the rules anymore.They need to admit it like I have done, certainly there are circumstances for every situation. But for employees to judge the customer badger them annoy them is not accomplishing anything.The job is to collect & help insure that payment get delivered not deter them from paying.Never assume unless you know the real situation, you could end up on the wrong end of the table.Companies & there employees need to change the way it works & the way they treat the consumers that put them in business.
DebtorBasher on 02/10/2010:
Talk360...did you use that phone number as a 'reference' when you applied for credit? Applications usually ask for references and they will often use that info to contact the debtor if they need to. I know there's been collection agencies calling here for my Brother-In-Law's contact info because he used us as a 'reference' on their application.
Anonymous on 02/11/2010:
Talk360---think about every time you have given ANYONE your phone number. I am not going to share industry information, but I will tell you I have no less than TEN ways to find a number you use, even if the phone is not in your name.
PepperElf on 02/11/2010:
If the OP is against posting personal information
why is s/he posting someone else's full name and phone number?


But really with your full name & city & state anyone can find your info.

I personally prefer using http://www.zabasearch.com
but there's others that contain even more information
all of it from public records
Talk360 on 02/17/2010:
Thank you every one for helping me understand what I might not ever be able to, but I want to give it a shot.
Talk360 on 02/17/2010:
raven2002there may be a lot of things I do not know about every time I give someone my phone number although those who I do give it out to, there is a reason. I do not post my phone number online or even have it posted in the phonebook, I usually don't mind people calling to verify information about a debt I owe. I am not very trusting to give any body or company my information when they lie to me about a very simple question on how they got my family members number. If it is not illegal than why did they just tell me the truth, what do creditors hope to obtain when the past normal boundaries to collect debts. When you push people into a corner the less likely they are to admit there mistakes or even pay the bill. Public records can be great when used for good reasons I'm all for that, what was the reason for GC services calling my in-laws after I had just spoke to them. I had no paper work from the company or had set up any payments with them why would they do this!/?
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Cold-Hearted People
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Rating: 1/51
OHIO -- These people to include Sallie Mae, need to figure out some way in how to develop a "real" heart. When students like myself set out to attend college it is to "suppose" to better ourselves. Yes, we sign the documents that states that when we complete the education phase that we are to pay these funds back, but what nobody seems to care about is if when we do complete this phase of our lives, there are "no" guarantees that we will be able to find a job, and if you are a minority such as I am (African American~woman) we don't have a chance in hell! These people have been harassing me for months about my student loans and they refuse to take into consideration when I am telling them that I am now on disability and they are threatening to garnish my disability check? It really amazes me how this country has no problems helping everybody else, and expect for the citizens to help them help everybody else, but when it comes to assisting "home" that is not going to happen because the politicians and bill collectors refuse to accept when somebody is telling them that they are down on their luck. I hope that they will eventually have to get the chance to go through the same luck that some of us "little people" have to deal with on a daily basis and that they too will have to eventually go on disability and have to figure out point "a" and point "b".
     
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clutzycook on 02/29/2012:
I'm guessing that you've already tried to apply for a deferment or a forbearance? Usually, student loan companies will work with you somewhat to either postpone your payments or at least lower them to an affordable level.
Skye on 02/29/2012:
I'm sorry you are now on disability, but you did agree to pay back this loan, regardless of what your future circumstances became. They did help you, by providing you with financial assistance when you applied for it.

Please take clutzycooks advice, if you have not done those things already. Your doctor has to sign a document, that will allow your loan to go into forbearance for up to one year, which will allow you time to gather your finances, and I hope things do get better for you.

Good luck.
Churro on 02/29/2012:
It's a sad state affairs when this country spends trillions to bail out businesses that committed nothing short of fraud but turns its back on honest people down on their luck.
nolife38 on 03/01/2012:
BUT THE THING IS, I CONTACTED SALLI MAE AND THEY SENT THE PAPERWORK FOR WHAT IS SUPPOSED TO BE FOR A "FORGIVENESS" AND I EXPLAINED TO THEM THAT I AM TRYING TO GET IN TO SEE MY DOCTOR FOR HER TO SIGN THE PAPERWORK BUT SHE HAS BEEN OUT OF THE OFFICE, SO I CAN'T FORCE ANYTHING THAT IS NOT IN MY CONTROL. I TOLD THEM THAT I WAS WORKING ON THE PAPERWORK AND THEY SAID OK THEN THEY TURNED AROUND AND SENT THESE JACK A** AFTER ME! IT'S LIKE I AM SUPPOSED TO PULL A MONEY TREE FROM UNDER MY BED. HECK IF I HAD ALL OF THIS MONEY IT WOULD HAD BEEN PAID OFF BY NOW.
onlooker on 03/01/2012:
Please keep plugging away at this, the paperwork and timing issues are out of your control. But you are doing what you are supposed to do. The calls and payment demands are automated processing basically unstoppable until the paperwork is in. Too many people scam them on this kind of stuff. Good luck, and try to stay patient.
About that on 06/07/2014:
#1) I went to school for a job in the medical field, I am not working in that field but I STILL have to pay off my loans.
#2) If you are in default there you are NOT eligible for forbearance or deferment.
#3) If you are disabled and get your doctor to sign off on it the loans CAN be discharged, however it is your responsibility to contact whoever has your loan IE GC Services and tell them that so they can get you to the right place to have the paperwork filled out, at the point you still need to follow up with any paperwork or calls you may receive in regards to the discharge. If you do not, it will be rejected and you will be sent back to collections
#4) It is simply a fact that it is possible to experience forced collections while in default IE garnishments and offsets
----try calling and talking to them about all of your options.
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GC Services Is Full Of It
Posted by on
IS THERE ANYTHING YOU CAN DO IF YOUR CASES ARE IN “COLLECTIONS”?

Yes!

Just because your case was sent to a collection agency does not mean it is over. The court does not lose control over your case when it is sent to collections (if the collections agency tells you cannot go to court, they are not telling you the truth).

You can still demand a court date, and appear in court to defend the case(s), or ask the court for an extension based upon a special circumstance. As long as you have not plead guilty, you can even have a trial if you want one. You are still entitled to have a court appearance and to request that your fines be reduced or spread out over time. If you qualify for traffic school, you can still request a referral to protect your driving record.
     
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Alain on 07/15/2011:
Thanks for the Informative post.
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Collection practices and Poor Customer Service
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BALDWIN PARK, CALIFORNIA -- On 5/31/07 I contacted GC Services regarding a ticket accout with the court house I set up to pay off monthly. I've paid 400.00 and thought it was settled. GC sent me an aggressive letter stating that I failed to pay therefore owe the 400.00 plus 300.00 for failure to pay about 5 days ago. I contacted them on 5/31 and an Alex picked up the phone. I gave him my account number and was looking for guidance. I needed clarification because they had come after me for another ticket which was paid as well and I ended up spending all day at the courthouse to see the judge, gain proof so that I can fax it to GC. I wanted to make sure before I wasted my time and money, I'm commission based, that they weren't contacting me for the same ticket.

Alex was very rude, wouldn't let me speak, he constantly spoke over me, and told me to go to the court house to resolve it. Even though I was seeking clarification that this wasn't the same ticket from before as I have the paper work to prove payment, he wouldn't be quiet long enough to understand the nature of my call. When I asked for a Manager he told me NO. I then explained to him that I'm being as nice as possible and seeking guidance. He told me to go to the court house again and hung up.

I called back, he picked up, said "yeah, hold", so I hung up. I called back hoping to get someone else and did! They referred me to the Manager who was great and clarified for me what the bill was for. Then I was able to go home, look for my check copies, and prove payment once again.

GC services has horrid collection practices and if you look them up on the BBB this will be confirmed. They actually withdrew their membership in Texas in 12/06 stating they no longer care to be accountable to the BBB for solid customer service practices.

They simply don't care......Lord help you if your account goes to GC services. They will make your life hell. There goes another day of missed work.
     
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ejack053824 on 05/31/2007:
Did you keep records of your payments as proof? That's all you need.
Pomona Guy on 05/31/2007:
What did you get a ticket for?
Anonymous on 05/31/2007:
Baldwin Park!!!!my home town.
Like the previous responses said,hopefully you still have proof of payment.

Also watch out for the cops out there,they are sneaky
MRM on 05/31/2007:
The 4th paragragh states," Then I was able to go home, look for my check copies, and prove payment once again."

Keeyana had already proved that she had paid the full balance.
Anonymous on 05/31/2007:
Oops must have skipped that.
ejack053824 on 05/31/2007:
Case solved...dismissed!
ccalvin57 on 11/08/2007:
Someone asked about showing them the law that GC or anybody HAS to accept any payment. I talked to a lawyer friend of mine awhile back about this. He told me that if you send ANY amount to a creditor and they accept this amount (by depositing or cashing your check/money order) they are accepting the payment as a contract of intent to pay off your balance as you can. If they refuse the check/money order and send it back, then they are refusing to enter into a contract with you to pay off your balance.. Most creditors will accept any money you send them, but some (ESPECIALLY GC) will make all kinds of noise and threats and YES they will be very rude over the phone, and will record your conversation without your knowledge which is illegal. But as far as pursuing their "Other oprions": They will rarely do that, because they spend so much money on their Nazi like staff. (I guess you can see I have experience in dealing with GC).
DebbieT on 03/03/2008:
I am currently dealing with GC Services due to a default student loan. I made sure to contact higher education to inform them that I'm on a rehabilitation program with them. Well anyway to make a long story sorta short, I was told by higher education that once I made a 3rd consecutive payment I would not have to worry about my tax refund being garnished. Well I made my 3rd payment and guess what? GC Services never contacted Higher Education to let them know that I AM on a repayment program nor that I have sent in any payments yet .... I have been calling GC Services all morning and no answer, no recording to leave a message for a callback NOTHING!! Now I am pissed and want to know what's going on.
ckb2477 on 05/18/2008:
First of all DebbieT, after each payment made, you should have received a letter documenting the payment made and the remaining balance. GC Services doesn't send documentation to other institutions because they are a third party and have to respect the rights of their clients first. That is why they never send the payments. Now you might be able to write a letter and send the documenation to the higher education and see if there is something they can do.

To calvin57. Let me ask you this, If I borrowed $2,000 from you and told you I would pay you back $300 a month until we were good and then I moved away for a couple of years and decided to come back. You caught up to me and asked for your money. I told you that I still don't have it but I can give you $10 a month and put a ten dollar bill in your hand. Would you accept that when I already agreed to pay you $300 a month and already skipped town already. Same rules apply with collections and businesses, you can send a payment and they will accept it, however just remember you entered into a legally binding contract that will superceed any payment you send in. Not to mention that the payment amount that you send it will be less than the interest and you are just pi**ing your money away along with your credit score.
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GC Services
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I am a soldier who is being harassed by GC Services for a student loan that I had deferred while I was overseas in a combat zone. After my early return due to injuries sustained while overseas I discovered on my credit report that my student loan was delinquent and in collections. I called up Sally Mae and spoke to them about the situation, and they said that they had sold the collection to GC Services. I contacted GC Services to dispute the collection. They said I needed to pay them money for a probationary period to get it out of collections. I explained to them that my last re-enlistment that I received "Tuition Assistance Repayment Program" for $10,000 dollars to cover the loan. They have refused to send the collection back to the original debtor so the loan can be paid off. I have been fighting with them sense. They call and harass me on a daily basis calling me at at 730 in the morning. This time they went too far. They somehow got a hold of my commanding officer and spoke with him about the situation divulging the amount owed and all my personal information. I believe this to be a violation of my privacy because it is a civilian matter. Tomorrow I will kindly call them and speak to them as well write them a letter not to contact me on my phone or at my place of work or I will sue them for harassment at my work place and violation of my privacy and make them pay for the debt. I'm currently in a situation where I am trying to recover from injuries sustained fighting for this country just to return have some collection agency cause me that much more pain and suffering.
     
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rockfishing on 12/10/2010:
Call you local congressman (or woman) and ask for help resolving your problem with these (expletive deleted). Sallie Mae is just a scam to tax students to give deadbeat bankers a job and driving up the cost of an education. Thanks for serving in the armed forces!
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GC is ripping people off!
Posted by on
I am dealing with GC collection company after I received a ticket for expired vehicle registration.

I had until the 28 of January to fix my registration, I did so on on the 6th of January 2010 (22 days before the tickets expiration date!), I had the ticket signed off from a CHP officer who, thankfully, made me a copy of the ticket front and back... I sent the ticket and the required 25 dollars to the Los Angeles Courthouse, which doesn't surprise me.. "didn't receive it" (this was a $25 dollar fix it ticket"... ) I come to find out this Saturday that I have a failure to appear and the ticket is now referred to GC collection company which is asking now $990.00 to give my license back!!! from $25 to $990.00 is 39,6 times the original cost of my ticket that I paid!!!!) If this is not a rip off I don't know what is.

The GC employees are rude and even the manager would not help at all to fix the situation. In Los Angeles if you have a ticket sent to GC collection YOU ARE NOT ALLOWED TO SEE THE JUDGE to resolve it and if you ask GC collection company for a court date they tell you that is going to be 6 months before you can appear... Or pay the 39,6 times the price of the original ticket. I have contacted my state representatives which will contact GC shortly and I am contacting the Better Business Bureau as well to file a formal complaint against them. I also would not mind to find other people in my situation with GC and file a class action lawsuit against these extortionists!
     
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bcd on 07/27/2010:
Do you have a cancelled check as proof of payment?

The failure to appear charge implies you were contacted about the outstanding unpaid fine. Does the state of California have your current address?
CrisB on 07/28/2010:
Well I have not cancelled the check, it costs me $20 to cancel the $25 check and I still hope they'll cash it and clear everything. I do have a copy of the check stub dated 1/6/2010 to Los Angeles Superior Court, I also have the registration printout from the D.M.V. reflecting the date the registration was corrected in addition to the CHP officer badge number, signature of correction and office stamp reflecting the violation was corrected on the 6th of January (on the ticket).
I was never contacted by either the courthouse, DMV or even GC credit company despite my address is correct (it even shows in the registration printout!). I discovered this by accident by myself on Saturday.
Saturday after I discovered this I even called GC Collection company left a message in their answering machine with my phone number to call me and to try to resolve this but they didn't even have the dignity to call me back so I called them back on Monday!
Yes they do have my address in fact I just received the new registration renewal letters for my other car but no letter about the license being suspended otherwise I would have taken care of this immediately! Now I cannot even see the judge to try to fix this! All I want is to pay the original fee (even if I have to pay $50 instead of $25 would be OK with me but 990 is truly an extorsion!) and get my license back!
bcd on 07/29/2010:
The drawer does not cancel a check; the bank cancels it after processing. You should have been aware the check was still outstanding when you balanced your checkbook. A check stub is not proof of payment.
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Fake Ticket Balance Due
Posted by on
LONG BEACH, CALIFORNIA -- Just received a letter in the mail from GC Services. Says I owe them $681.00 or I will have a judgment against me. Thing is this is for a $30 parking ticket which I paid the week after receiving it and have the canceled check.

So I did some research and it appears these people are some kind of scam artists.

Obviously you should do your own investigation into your personal dealings with the company. In my own situation and in the situations of countless others the tickets were already paid and GC Services tacked on outrageous fees to the original amount.
     
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Anonymous on 09/27/2008:
So, what did your research find? Where do they operate from? What is the business mailing address and physical location address or phone numbers? Which public agency do they claim to represent? Long Beach Police? Did you contact the police department or the courthouse to let them know that GC was sending balance due notices on tickets already paid? Did you let them know to send out notices to other persons ticketed so they could check and see if they were scammed?
Anonymous on 09/28/2008:
This is going to get a LOT worse for everyone. Cash-strapped cities are putting up traffic Scameras and pursuing the fine as a civil matter (there is less burden of proof). If the ticket isn't paid (or the city's records aren't accurate) the 'violator' gets tapped by a collection agency. A lot of people will pay a dubious charge just to make it 'go away'. Often, the 'fees' and 'surcharges' amount to more than the fine...a nice profit for both the city and the collector.
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