Is Chase Receivables calling you? Here's what you need to know.
A lot of Americans are living paycheck to paycheck these days. Although challenging, a steady income makes the situation easier to handle. But what if you lose your job and can no longer make the minimum payments on your credit card bills, mortgage, and student loans? Sooner or later your creditors will submit your accounts to a third-party debt collector or charge it off entirely and sell it to a junk debt buyer, who purchases debt portfolios for pennies on the dollar before proceeding to pursue you for the entire amount.
Although debt collectors may legally contact you about a debt, the Fair Debt Collection Practices Act (FDCPA) prohibits them from doing so in ways that constitute harassment or abuse. Below are some examples of behaviors and tactics that are illegal when committed while collecting or attempting to collect a debt.
- Calling you outside of the hours of 8:00 a.m. to 9:00 p.m. in your time zone
- Swearing, raising their voice, and calling you names
- Calling your friends, family, and coworkers and telling them about the debt
- Pretending to be police officers or federal law enforcement officials
- Ignoring a written request to stop contacting you
- Contacting you at work after you’ve told them that your boss won’t let you take such calls
Who Is Chase Receivables?
Chase Receivables in a collection agency located in Sonoma, California. It started out as the Credit Bureau of Napa County, Inc. but was purchased in 1986 and transformed into the DBA Chase Receivables. It employs approximately 100 to 240 staff and collects consumer debt all over the country.
Information taken from the Better Business Bureau** indicates that Chase Receivables have had 80 complaints in the past three years, with only 8 of those being closed in the last 12 months. In addition, all of their reviews on the BBB website are negative.
Records on file at the PACER (Public Access to Court Electronic Records) website indicate that Chase Receivables has appeared in court on several occasions to respond to allegations of improper and illegal debt collection practices.
Alleged Complaints Against Chase Receivables
According to PACER, in September 2012, Chase Receivables, Inc. allegedly began to call Massachusetts resident about a debt he owed to the Home Shopping Network. He later complained that the agency contacted him using an automated telephone dialer system with an artificial or prerecorded voice.
During the initial communication and during each communication thereafter, the Massachusetts resident informed Chase Receivables, Inc. representatives that he would not make a payment over the telephone and requested that they send him a letter concerning the debt. They allegedly failed to send the requested letter in a timely fashion and continued to demand that he provide a payment method over the phone.
In the beginning of January 2013, he requested that Chase Receivables cease contacting him with robocalls. Nonetheless, the company allegedly continued to place robocalls to his number up to three times a day, approximately three days a week.
He hired a consumer attorney and filed a complaint accusing Chase Receivables of violating the FDCPA by engaging in abusive and harassing behavior against him and failing to send an initial letter within 5 days of contact.
The matter was later settled.
How Can I Get Chase Receivables to Stop Calling?
The phone numbers for Chase Receivables, Inc are 1-800-540-7336 and 1-707-940-3000. If you see either number on your caller ID, a debt collector is trying to contact you about paying a debt. If they fail to send you a debt validation letter or place constant and annoying robocalls to your phone, see a consumer attorney.
Such tactics violate the FDCPA, and your attorney will help you pursue compensation of $1,000 per FDCPA violation plus court costs and attorney fees. When a debt collector disregards your rights, a skilled consumer attorney can help you make them pay.
*Disclaimer:The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Chase Receivables, Inc or any other third-party collection agency, you may not be entitled to any compensation.
**BBB Profile for Chase Receivables: www.bbb.org/greater-san-francisco/business-reviews/collections-agencies/chase-receivables-in-sonoma-ca-44728
***Case taken from PACER (www.pacer.gov). File number is (Case 1:13-cv-10095-RGS, from United States District Court, District of Massachusetts)
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Chase Receivables, Inc or any other third-party collection agency, you may not be entitled to any compensation.