303-255-5001

Call received at 7:28pm on 9/4/07. I believe this is from World Financial National Bank, as I have a credit account with Lane Bryant. They have been calling me several times a day. The check is in the mail, guys...don't know what more I can do...

I also received calls all day long from this number.  My wife does have a credit card from Lane Bryant, maybe she needs to speak to them.  Haven't received a bill yet.

I received calls from this number too, once I spoke with someone who asked for some unknown person to me, I told them they had the wrong number and I'd like my number to be removed from there calling list and still every once and a while another call during the day.  No message is left.  ANNOYING.

Number left on call log.  I was at work.  This is probably someone trying to collect a bill from the previous ownere of my phone number as I have only had my phone number for a little over a month.  They are SOOOO stupid.  They never believe they have a wrong number.

I think it's someone trying to pull a scam if ya ask me.
I wouldn't answer the phone

This is horrible. Receive many calls from this 303 # every day and they are rude and tell me they will call back in 10 mins and laugh. Cant anything be done here????

won't leave a message

They call my work number, my work cell, and my personal cell, and never leave a voicemail. I don't answer strange area codes.

Oh, and it says ADS on my work phone caller ID. Is this a legit number? If it were, wouldn't they leave a message?

This number continues to call my cell phone.
My message specifically states that if you do not leave a message
you will not receive a call back.
I want to know who I am talking to and what about.
They refuse to leave a message just call 6-7 times per day beginning at 8am and ending around 9:30-9:45.
Wonder if they know they are not supposed to call after 9pm?

keep calling 10 times a day

I also received a call from this number; they called my work; Isn't that illegal?

Caller beeped in while I was on another call...left no message...

Started calling around 8am CST this morning and we received 4 calls in 30 minutes! The first time I thought it pertained to my wife's business so I answered and an automated voice came on asking to stay on the line, yada yada, something about this is not a solicitation or something. If they reeeeeally need something get me the first time with a customer service rep or whatever.

303-255-5001

I forgot my $15 payment last month with OnePlus.com...........as soon as I looked up the number here and realized who it was, I went online and made a payment, then today I went online and set-up my payment for next month so I wouldn't forget. They sent me confirmation emails for both payments but yet they are calling every 15 minutes the last 2 days....

These calls are From WFNNB (World Financial Network National Bank), they are the bank that gives the credit cards for Lane Bryant, Woman Within, Victoria Secrets, Vakue City Furniture, etc. They have been harassing me for weeks now. They call several times of the day, they never answer when I pick up the phone and never leave any messages when I do not or cannot answer.

One powerful tool for stopping harassing phone calls is to record the phone conversation. Inform the caller at the beginning of the call that you are taping the call as evidence for filing a formal complaint with the State Attorney General and the Federal Trade Commission. If your phone system does not have a way to record conversations, purchase an inexpensive cassette tape or digital type answering machine capable of recording several minutes and that allows recording while on the phone. Another option, if your phone has a speaker option, is to place it in this mode and use a regular or hand-held tape recorder to tape the conversation.

ALWAYS inform the caller at the beginning of the call that you taping the call. Just politely say: "This call is being taped or monitored." then continue with the conversation as if nothing was said. Most likely they will hang up.

If the calls continue, contact your State Attorney General's consumer protection division and then file a formal complaint. While you're on the phone or the web site, ask if they can offer any assistance such as calling or sending the collector a written warning to stop harassing you. Also ask for a reference to any state laws that offer protection from harassment.

Consider filing a formal complaint with the Federal Trade Commission (FTC) as well using their FTC on-line complaint form.

IMPORTANT: When collectors demand payments under the threat of legal action they may be violating the FDCPA.

Although you have the right to refuse to work with collectors, if you choose to make payments, send a payment agreement letter (return receipt requested) and only promise to pay what you can afford. Remember, a judge has to grant a judgment before collectors can take any action such as wage garnishment. Judgments are not automatic! Always do everything in writing, keep accurate records (for at least 15 years).

The only legal reason for calling neighbors (or any third party) is to locate you. If collectors already have your location information (home phone, home address or work phone and address) then, calling third parties is prohibited. The only possible reason for calling third parties, after they already have your location information, is to embarrass you; a clear violation of the FDCPA.


NOTE 1: When can they call?

Unless you give debt collectors permission to do otherwise, they can only contact you under specific conditions and during certain times of the day:

They can contact you at your place of residence by phone, mail, in person, by FAX or email during reasonable hours such as between 8 am and 9 P.M..

They cannot contact you at any unusual time or place or a time or place known or which should be known to be inconvenient to you.

They cannot contact you at work if your employer disapproves and they are informed of this fact by you or your employer.

Note 2: How many times a day can they call?

According to the FTC's published interpretation of the FDCPA, collectors cannot continuously call you. Section 806(5) prohibits contacting the consumer by telephone "repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number." Continuously means making a series of telephone calls, one right after the other. "Repeatedly" means calling with excessive frequency under the circumstances.

Note 3: Can they call my cell phone?

The short answer is yes! If you provided your cell number on the credit application or to the creditor as a means of contacting you, then collectors can call your cell phone. The only way to stop them from calling you on your cell phone (or any other phone) is to send a "stop calling letter".

Who can they call?

Section 805(b) -- Communication with Third Parties
Unless you consent, or a court order or section 804 permits, "or as reasonably necessary to effectuate a post-judgment judicial remedy," debt collectors "may not communicate, in connection with the collection of any debt, with any person other than you, your attorney, a consumer reporting agency if otherwise permitted by law, your creditor, the attorney of the creditor, and the attorney of the debt collector."

Section 805(b)1. Consumer consent to the third party contact. Your consent to third party contact does not have to be writing. For example, if third parties volunteer that you have authorized them to pay on your account, then the debt collector may normally presume your consent, and accept the payment and provide a receipt to the party that makes the payment. However, consent may not be inferred only from your inaction when the debt collector requests such consent.

Section 805(b)2. Location information. Although a debt collector's search for information concerning the consumer's location (provided in section 804) is expressly excepted from the ban on third party contacts, debt collectors may not call third parties under the pretense of gaining information already in his possession.

Section 805(b)3. Incidental contacts with telephone operator or telegraph clerk. Debt collectors may contact an employee of a telephone or telegraph company in order to contact the consumer, without violating the prohibition on communication to third parties, if the only information given is that necessary to enable the collector to transmit the message to, or make the contact with, the consumer.

Collectors are allowed to call third parties to verify location information. This means they can call your family, friends, neighbors and employer. However, the information they reveal about you and themselves and the questions they can ask is strictly limited by the FDCPA. When contacting third parties they must identify themselves but not state that you owe any debt; they can say that they are confirming or correcting information they have about your location, address, phone number, and employer only. Also, only if expressly requested to do so, can they identify who they work for. More on 3rd Party Contact

IMPORTANT NOTE! Let me emphasize that section 805(b)2. specifically says, "debt collectors may not call third parties under the pretense of gaining information already in his possession." Thus, calling your family, friends, neighbors, employees, employer and so forth, after they already have your phone number, is a serious violation of the FDCPA and should be reported to your State Attorney General immediately.

Note 5: Stopping Collection Calls at Work,

First of all, collectors should only call someone other than you at work to verify your employment. Discussing your debt or any other personal information is illegal! They are allowed to call you at your place of employment if they have not been told your employer prohibits such calls.

If your employer objects to collectors calling the workplace, either you or your employer must inform collectors of the "no call policy". This can be verbally or in writing (the FDCPA supports verbal notification). Once informed, any additional calls to your work place violates the FDCPA and opens the collector up to a lawsuit.

Note 6: Rescinding "do not call" order.

If you've sent collectors a "do not call or contact" letter and now you'd like to rescind that order, you must do so in writing. Just calling them and telling them is not enough. It's true that collectors will probably take your call but they would be wise to not talk with you until you've rescinded the no contact order in writing.

On the other hand, you may be contacted by a collector, lawyer, or creditor requesting you to lift the no contact order. Only you can decide to do this however, the only legitimate reasons for lifting the no call order is to negotiate a payment plan or settlement of the issue.

I'm usually asked if the letter requesting you to lift the no call order is a violation of the FDCPA. The FDCPA does address this issue directly but it does say that any contact after receiving your written no contact letter must comply with the FDCPA. Namely, to inform you of what they intend to do now however, this communication cannot contain a dunning notice (demand for payment). If it does, it violates the FDCPA. In my opinion, requesting you to lift the order, so that negotiations can take place is not a violation.

Here is a copy of a "Do Not Call Letter" feel free to copy and paste this into your word processor. Just make changes to the document as needed:

Today's Date

Your Name (If married use both your name and your spouses name)
Your Address

Collector's Name
Collector's Address

Mr./Ms. Collector,

I am writing in response to your constant phone calls!

According to the Fair Debt Collection Practices Act, [15 USC 1692c] Section 805(c): CEASING COMMUNICATION: You must cease ll communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I demand that you stop calling me at home, at work, on my cell phone or at any other location!

In accordance with the federal FDCPA, now that you have received this "stop calling" letter, you may only contact me to inform me that you:

are terminating further collection efforts;
invoking specified remedies which are ordinarily invoked by you or your company; or
intend to invoke a specified remedy.
Be advised that I am well well aware of my rights! For instance, I know that any future contact by you or your company violates the FDCPA and that since you already have my location information, calls made by you or your company to any 3rd party concerning me violates section 805(b)2 of the FDCPA.

Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording all phone calls. If you continue calling me I will pursue all available legal actions to stop you from harassing me and my family.

Signature
Your Printed Name

(If Married)Spouses Signature
Spouses Printed Name

Sorry Folks,

The Bank (collector) is: World Financial Network Natioal Bank.
See previous post for remedies.

No, it is not illegal. What they discussed with your employer may be, they can only call to verify your employment.

File a complaint with your states attorney general or the Federal Trade Commission. When they get enough complaints they will do something about this problem.

Or just pay your bills! HA