800-568-0156

When I asked who was calling they hung up. No one will talk to you

Got a call, a machine told me that all operators where busy, then it connected me to someone else who called the wrong number.

Does anyone know where to find an address for these people? These GE Money people from Lowes?  I am so sick of this 23 call in 2 days! Starting at 630am and going to 1056pm! Ridiculous.  Help me find an address!

Hey FYI I have the address! For all of you who want to sue these MF'ers here is the address- GE Money Bank
            4740 Baxter Rd., Virginia Beach, VA 23462
This is for the number 800-568-0156!

rec'd the call said to hang on for the next operator and no one came on the line it went dead

They had been calling 3 - 4 times per day, stating they had an "urgent matter" to discuss about my loan with them.  All of my bills stay current so I know damn well nothing is overdue.  When I called the number back it said to enter my account number.  No company name, nothing.  YEAH RIGHT, like I even know WHAT account this is for?!?!?  Let alone giving some strange computer my info.  Of course you can not every get to a REAL person either!!

To File a complaint with the National Do Not Call Registry about this annoying caller, enter the number 800-568-0156 at:

https://www.donotcall.gov/complaint/complaintcheck.aspx

This should help put a stop to these disturbing calls.

They keep calling my cell phone

I keep getting calls about this number as well saying they are calling about the GE Loan. When I called it asked for an account number, which I do not have.  I got a live person and they asked for a home number. I gave a fake one. He said he could find it under that if I could give my Social Security number!!!???  ARE YOU KIDDING ME?  Are people really that stupid? Yea let me give you my social security number.  He said he's calling about our Lowes card.  I said which is it, GE Loan or Lowes?  Make up your mind.

Get a couple calls a day from this number. Never a message.

I've been getting calls from this number all week.  I finally called it and a recording wanted me to automatically put in my acct. info.  I pressed "0" and a foreigner answered telling me I was overdue and if i wanted to avoid late charges i needed to pay over the phone $37.15.  They sound real convincing.  However, I knew i was not dilinquent and told them i was reporting them to the federal policing agency who handles scammers. They hung up on e at that time. Please never give your credit info to anyone calling you.  I have had a Lowe's card for a decade and the times I have been late no one has ever called me so I knew it had to be a hoax.

I've been getting calls from this number all week.  I finally called it and a recording wanted me to automatically put in my acct. info.  I pressed "0" and a foreigner answered telling me I was overdue and if i wanted to avoid late charges i needed to pay over the phone $37.15.  They sound real convincing.  However, I knew i was not dilinquent and told them i was reporting them to the federal policing agency who handles scammers. They hung up on e at that time. Please never give your credit info to anyone calling you.  I have had a Lowe's card for a decade and the times I have been late no one has ever called me so I knew it had to be a hoax.

If you aren't the person being called, and your name isn't being removed from their solicitation/phone call list:  A good  place to file a complaint is with the Federal Communications Commission.  The rules they govern are stricter.  I believe it is complaint # 1088

FCC doesn't mess with complaints; and my complaints in the past have usually been investigated!!!  

FTC and donotcall, place complaints on a list, and will investigate, file charges if they see a pattern.  So everyone needs to file complaints, so that there will be a definite pattern!.

Anyone have problems with Collection Agencies calling?  There are laws to protect Consumers from these jerks.  #1, they technically do not have any authority.  They usually purchase charged off bills, from other creditors for pennies on the dollar.  #2, because the bill is with an original creditor, and not the Collection Agency, you are NOT obligated to these jerks.  They will try to convince you that you are.  #3 the only way you become obligated to these agencies, is 1) if a new contract/agreement is done in writing, and you sign - but you are NOT obligated to; and 2) is if you make payment arrangements with them; thereby creating a contract/agreement, where none exist, when they first contact you!!!

The "Law of Novation" states that when a new owner of an account or an alleged debt, a New Contract must be written and signed by All parties, for a Contract/Agreement to be in place, with a different Creditor.  Collection Agencies are known for violating Federal Consumer Protection Laws; and they are allowed to, because those uneducated in those laws, keep allowing them to.

If the American people, became educated in these Consumer Protection Laws, Collection Agencies would have to close their doors, due not not receiving any money, when customers are sent bills, or collection demand letters.  

However, you technically do need to respond to them, if they are sent Certified mail, otherwise, they don't know, if you actually received them or not.  A Cease or Desist or Cease Communication letter, similar to:

To: Name
address
city, state

date

RE:  
Original Creditor Account: 689259820
Amount in Dispute: $  

Dear Eastern Collection Corp.:

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice, shall result in a complaint filed and submitted, to the Federal Trade Commission, and possible legal remedies, in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute, the alleged debt asserted herein, but at this time I am under no obligation, to respond as a result of  ________’s default.

Sincerely,


Name
Address
City, state

Regular Mail
Certified Mail#:  XXXX  XXXX XXXX XXXX XXXX


If you answer the phone,  simply say:"I do not discuss financial matters by phone - send me a statement in writing and I will respond to it."  Then Hang up!!!  Otherwise, they will have you completely shaken!!!  The longer they keep you on the line, the more chance they have, to get money from you including payment arrangements – or payment agreement/contract!!!  You are NOT legally obligated to talk to them!!!

Collection agencies are ruthless jerks!!!  They will tell you they are the original creditor when they are not - even though it is illegal, for them to do it, per Federal Consumer Protection Laws.  You can legally sue them for $1,000.00 per violation.

When you do get a statement - google "FAIR DEBT COLLECTION PRACTICES ACT" One or more online Attorney websites will be shown.  These websites will have valuable information, including a Cease & Desist sample letter; or a Cease Communication letter.  Once received, it is a violation of the Federal Fair Debt Collection Practices Act, to contact you further.

You can also educate yourself by reading Consumer Protection Laws at www.ftc.gov;  a lot of valuable information.  Don’t have time,  download and read later.  You will be glad you did!!!

I am not an Attorney - just an Educated Consumer, in Consumer Protection Laws.  I have spent hours studying these laws and becoming familiar with them.  They have helped us and friends/family as well; and hopefully it will help someone, who reads this.

And for those self-righteous criticizers, who say, just pay your bills on time; things happen to people with Credit Card debt, medical bills etc., often beyond their control such as job loss, divorce, death, illness etc. and you find your self in a bind.  We've been there, we know.  You do not plan to pay late, or not make payments; but if the income quits - there's not a whole lot one can do!  You then are forced to prioritize, Mortgage, Utilities, Car payment then food, if you can!  Other things have to be let go!  

I hope this information will be helpful to somebody who reads it!!!  Also another site to check out is www.ccdnlaw.com, good information.  And they can help you!!!  If you fill out the contact us, put down your referral by tlcpetmommy – in the comments section;  they will know who I am!!!

They call me 100 times a day. Finally after checking this site I called them back and it was Lowes collection agency. I think they are legit they didn't ask me for any personal info. They acutally asked me if I lived a certain addy I said no and they said sorry and they are taking my number off of that account. So maybe they are legit and changed the way they handle things.

If you have a Lowes Credit card, they are not in violation for calling you. GE Money Bank issues the cards for Lowe's Credit Cards.  FYI The collection agency GE Money Bank uses is Genpact LLC, which is likely who is calling you.  The address you can send a letter to shown in this post is:  Genpact Services LLC P.O. Box 1969 Southgate MI 46195-0969.  However even original creditors and collection agencies are not to call you before 8 am or after 9 pm. They are not to call you on weekends, but they do anyway. Heres the letter I send Certified mail. If the calls continue, after you receive the green card back, confirming receipt of letter you can sue them for $1,000.00 each violation!!! Certified Mail#: XXXX XXXX XXXX XXXX XXXX To Address City, State, Zip code date RE: Account # Amount Dear : Your representatives have been trying to contact me, however, I only do business of this nature via mail. Therefore, I am requesting again that you cease and desist from calling me. Please remove the phone numbers XXX-XXX-XXXX and XXX XXX XXXX. The calls constitute harassment at this point, which is causing a major disruption in both my business and personal life as well as being an invasion of my privacy, which I will not tolerate. If you continue to contact me, I may file a complaint with the Attorney General. The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing to cease all phone communication. Please comply with federal law or a complaint will be filed. If you have any questions, please contact me at the below mailing location. Sincerely, _________________________________ Your name address City, State, Zip I hope this is helpful to someone. You can't just ask them to stop calling verbally - it has to be in writing to be considered "put on notice!"

Print out this letter above, keep it by your fax if you have one.
FAX this letter to them several times a day and tie up their phone lines for a change.

Caller ID comes up '800SERVICES' .. no message left. That was a waste of time wasn't it? I'm not gonna answer a call that's not properly identified, or that's someone I don't know. Leave a message. And by message, I don't mean 'please call 1-800-IMSTUPID' today to discuss a business matter. Thanks for the info, since they never identify themselves.

Tired of these calls.  They start 8:00 am go til 10:30pm.  Thought there were certain hours they could call??  Do  not have anything overdue or del..

They call constantly.  We are Lowe's customers but don't have a Lowe's credit card.  Why do they call day and night and never leave a message?  The one time I answered, some guy said something I could not understand and then said he had a wrong number.  Caller ID says Credit Services.

I am on the Do Not Call list, and yet I continue to get annoying calls.  Remove my number from your calling list immediately!  It is disrupting my family.

I don't answer calls from any 800 number or area codes that I don't normally get calls from. If it's a valid call, they can leave a voice mail. They never leave a voice mail, leaving me 100% certain it's nothing I need to bother with.