8005273369

Received 3 calls on my cell, before calling back. Their answering machine announced it was a JC Penney Credit Services. The machine was persistently asking to enter the last 4 digits of my ss#, my account # (I have none with them) and finally, the whole ss#. Don't share any info with them! Then I was connected to a customer service rep, Kevin. He refused to tell me why the called my cell 3 times unless I told him my name. I did not. Then I asked his employee ID, and he told me he would not give any info to me without me disclosing my name. I asked to talk to a supervisor, whose name was also coincidentally Kevin. The second Kevin finally told me some Indian sounding name they were supposedly trying to reach. Supposedly his batch # is PZM, the company address is 260 Longridge Rd., Stamford, CT 06902.

Dont give them any info!

Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
Account #  

Dear  :

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.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at tlcpetmommy@gmail.com.

© petmommy copyright 2009 All rights reserved

They keep calling my phone, non-stop harasment all day long.

They have called and left a message once saying they are JCP.  I checked my JCP account and it is fine.  It is a scam.  They have called at least 6 times and I do not pick up the phone.  I am going to block this number.

800-527-3369 is GE Money Bank who owns J.C. Penney charge cards.   They're calling on a past due account.   It's NOT fraud and you don't have to let them record your conversation.  Just tell them all correspondence must be in writing.

They've called me like 8 times in one day. five of them were in school its so annoying. they keep calling for this adena person.

This number keeps calling my phoen all hours of the day nd night,I refuse to answer it now.
I see now it is supposely JC Penny- I neevr had a accoutn with them,so I willnoto answer them.

I also am on the Do Not Call Registry List-So this is harrsement-Stop Calling Me.

This number keeps calling my cell phone all hours of the day and night,I refuse to answer it now.
I see now it is supposely JC Penny- I never had a account with them,so I will not  answer them.

I also am on the Do Not Call Registry List-So this is harrsement-Stop Calling Me.

hey we r never rude to people ever.

Hey that call was not for you but for someone else and we cannot give info as per the sate laws. your H#  must be listed in that. Kevin gave you correct info.

Collection agency - appears to be from JC Penny - they called on a different number too - 678-518-2062, an automated line. I had this number for 9 years, and am certainly not the person they are looking for. Asked to have number removed, but they never get it off the list, or sell it to someone else.

I have beengetting calls from this number and would like them to stop. We are on the National Do Not Call List and should not be receiving these calls. They are a recording asking for me. I do not respond, only hang up the phone.

I have been getting tons of calls from them and they say they are JCPENNEY. I called the real JCPENNEY and My account is current and this HAS to be a scam of some sort. I got a call from an Illinois number and a Georgia number 678-518-3100. I told the guy that called from Illinois that I don't owe any money to jc penney and told him he had the wrong info So now I get 10 calls a day from the Georgia number and they left a message that I need to call GE Bank at 800- 527-3369 about my Penneys account or go to JCPenney.com/credit  There is no web page for that address. I have called JCpenney and asked them if there was any prob with my account and they said no. I was shopping there yesterday and my card worked fine and these calls don't stop. I am calling Penneys again and ask them to look into these phone numbers. I am not engaging in dialogue with these scammers.

they constantly keep calling me over and over ...as early as 7am and late at night. i don't have a JCPenney card so i dont know what they want. i have never answered

Repeated calls from them about about credit card which I don't have with them.  They left a message that I need to call GE Bank at 800- 527-3369 about my Penneys account or go to JCPenney.com/credit  There is no web page for that address.

Starting to call my cell now. called 5 times.  I just dont answer.

won't stop calling

I have received 2 calls from this number.  I answered the first call because I thought it was my husband.  It was a recording telling me it was jcpenney credit and to call this 800 number.  I do have an account with penneys, but I didn't have a pen with me to write down the number they gave me, so I just hit recall to get the phone number they actually called from.  It was an overseas number.   They called today, and I let it go to voicemail, and I got the same recording.  Who are these people???

Got a call from the same number 800-527-3369. Auto message said it was "important" for me to call some 800 number regarding my JCP account. Never had a JCP account and it is really only "important" to them that someone calls that 800 number. After reading the above thread, I blocked all of GE Money's numbers and will return any mail I receive from them unopened.

Got a call from the same number 800-527-3369. Auto message said it was "important" for me to call some 800 number regarding my JCP account. Never had a JCP account and it is really only "important" to them that someone calls that 800 number. After reading the above thread, I blocked all of GE Money's numbers and will return any mail I receive from them unopened.

"If they can't connect, they can't collect!"

John Fertic