| collections advice/help
What is the name of your state? ohio
i'll lay out the situation as best as I can and I just needed some advice on how to approach this.
10/27/06-found out collection agency by the name of Jefferson Capital drafted a check from my back acct for 310.00. I called the collection agency and they explained that I "signed up" for a credit card with them to help with my previous debt and that was payment for the creditcard to be issued to me. I explained I never signed up and I didn't authorize this transaction. After talking with some supervisors there, was explained I signed up through the mail and that they would locate my applications
10/29/06- Called back to confirm application and was told I signed up through the web, and that my acct information was given over the phone to a representative by a person that had my information. Explained I did neither and that I didn't authorize it . After arguing, I was told I would be able to receive a refund to go back into my bank acct and all credit cards would be canceled and my original debt would go back to midland credit corp. At this point, I was told I would be getting a copy of the call that had me giving up my information so I could give it to the detective if I pursued charges(wanted to see if i reconized the voice at first)
11/07/06- Went to my bank and filed a fraud charge since I have not received a refund yet. Bank records show the check was drafted on 9/27/06 and posted on 10/14/06. After that, I called Jefferson Capital to explain that I had my bank working on it and the lady i spoke with begged me not to and said she would be taking care of my refund. I expressed my concern over it taking so long and explained that I was a soon to be father, still in college and I don't have a loy of money and she said no worries, that she will send that tape out immediately and issue my refund.
11/21- Called back and was told that she was talking to their security advisor to see if he can release my phone call to me and said that my refund was already processed and I should see it within 3 business days. Made sure she knew it was urgent and that I needed the money otherwise I won't be eating.
12/1- Still no refund, so I called up Jefferson and was told that I would not be able to get a copy of the tape, unless a detective that was working on my case faxed her and requested it. I explained that I don't know who is on the tape, so I don't know who to file charges against. Asked about my refund and she told me that it was processed on 11/26 I called her a liar and said she told me it would be 3 business days. She said I never told her I wanted my refund electronically and that she had to process it and send it down to their Atlanta Payment Center in order to be sent out to me. I told her I wanted it electronically and her response was "you never told me that". At this point, I started asking about the Atlanta Plant and wanted their phone number and address so I could possibly make the refund go faster. She refused and said she would call me on monday with the results, but there was nothing they can do to help me, so I needed to speak with her. I argued with her about the legality of them withholding telephone numbers and information on how to contact their other office, so she came back with " The only way you will get that information from me or the company would be a subpoena from a judge, so have a nice day" and then hung up on me.
Because of them, I now have over 400 dollars in draft fees since the acct they took the money out was my school acct and when school payments went through, they were rejected for not enough money. The bank is helping me recover my NSF fees, but I am at ends at the process I need to take with this company
ANY help on who to contact, what type of lawyer to contact, or my rights on this would be appreciated. Thank a lot and Have a good day. | 
12-04-2006, 12:28 AM
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