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HomeCredit ForumDebt management

information on kingman cole and associates

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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Thu Sep 04, 2008 12:46 am  
I agree with you, I never even gave the original creditor my bank account information, somehow they get it, I think this violates the hell out of privacy.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2843



1589 Magic Points
 
 Posted on Thu Sep 04, 2008 12:49 am  
How in hecks creation do they get this info? It is suppose to be one of the most protected forms of info there is. The only thing I can imagine is if the credit card company kept a copy of the check numbers when someone paid by check just in case. Still this has to be highly illegal and I can not see how someone who has had this done can not press charges.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Fri Sep 05, 2008 1:57 am  
No, I have some that have tagged my bank account and I have never even had an account with them and they pull money from my bank account. I don't know how they get it, I find it more disturbing that your bank will let them access your account with out contacting you.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2843



1589 Magic Points
 
 Posted on Sat Sep 06, 2008 2:19 am  
Did you ask the bank how this is happening? I can not believe just how unfair this is. So in other words if you get one past debt in collections you have to monitor your account forever unless it is paid off? See this is what I am talking about needing some reform to this area. The banks are so anxious for you to let them keep oyour mon ey for you, often competing with other banks and offering cheap awards and then they can't go the full 360 and protect you. Is this even legal for these companies to do this. Wow you really just hit a nerve.
 
erb1953



Joined: 31 Dec 2007
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Posts: 631



8 Magic Points
 
 Posted on Sat Sep 06, 2008 2:25 am  
They pay the credit reporting agencies to get this information. So the very entity that reports on you shares your information with your debt collectors too. I wish there was a way to say to the credit reporting agencies " you are violating my privacy" I think there should be a law against this because if it were a doctor or anything else in life you would have a lawsuit against them for giving out personal information that will be used for collecting debt against you. It should be against the law.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2843



1589 Magic Points
 
 Posted on Sat Sep 06, 2008 3:03 am  
Yes but how would the OC get such private info as that of a bank account unless they have one of your check payments on file?
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Sat Sep 06, 2008 3:15 am  
The credit reporting agencies have all this information on file, they track your every move. I don't think they should be able to put this information out there the way they do. All the collection agency has to do is file a request and pay a fee and they have everything they need.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2843



1589 Magic Points
 
 Posted on Sun Sep 07, 2008 2:18 am  
This is illegal or it should be. I thought that our bak account info was confidential. They shouldn't be allowed to list it on a credit report.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Sun Sep 07, 2008 3:03 am  
The credit reporting agencies let the collection agencies know when you file for anything also, they call it a tickle file, it sends them an alert that you are accessing your credit and the collector will start bugging you again.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 631



8 Magic Points
 
 Posted on Sun Sep 07, 2008 11:55 am  
I don't see how this is fair, especially when they will take the word of a collection agency over a debtor. A business can put about anything they want to on your report on the credit reporting agency will pull out the keyboard and start typing it in. I think there needs to be a more fair reporting deal, we can't report on them on the reports. All they have to do is to ignore our request for debt validation and their negative report stays on our report.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2843



1589 Magic Points
 
 Posted on Sun Sep 07, 2008 2:00 pm  
My goodness the more I hear the more discusted I get. This is probaly why they had started to bother me after so long. My hubby too. He also had an old Cap. One when we met. We didn't hear anything for a few years. I figured it was because the bills and phone were all in my name and he never applied for any new credit. Once we consolidated loans they sent a letter or two again.
I also seen on mine it isn't really updated because they have the name of a very old employer on there. I have worked a few places since.
 
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