717-702-2005

Caller asks for Jessica.  When asked where calling from he will not identify company name.  Only identifies himself as Albert.  Then says if you give him Jessica's phone number he will identify what company is calling.  Odd request since he called Jessica's phone number.  Then becomes argumentative as you try to request further info about who is calling.

I seen a call on my land line phone from 717-702-2005 and decided to call it, curiousity always get the best of me. I must of been a cat in a previous life. When the person on the other end answered, I asked who I was talking to, and he said Joe. I then asked why he called my number. He asked who I was. I asked him again why he called me. We went round about again. I said you called this number who did you want to talk to? Asked my full name which I did not give him. I said you called this number right. I gave him my number again and told him to look at his call list and for him to tell me who I was. He didn't seem to like the game I was playing and hung up.

Wow...... after futher investigation I found out who Joe was. The caller who kept calling my house and would not give his full name but also insisted that I give him my full name. Seems that Joe works at Peerless Credit Services. Just googled the number and found the company which is located in Middletow,Pa. The number listed on the web site is 717-702-2000. I called it, and to my surprize Joe answered. Hard voice not to forget after lenghty conversations we had. Ahh the times Joe and I had  talking. I asked right away if this was Peerless Credit Servises and Joe said yes. Then asked if the number I dialed was 717-702-2000 and he said, that was the number you dialed right? I'am just confirming the number. He said yes. I said Joe....you have another number besided the one you call from earliier? He got guiet. I then asked why he didn't tell me before the company he was representing. He then threatend to file harassment charges on me. As I see it, call logs will prove his calls to me far out number the ones I placed to him. Middletown is a very short distance from my home, I think  will pay Peerless Credit Services a visit. Oh by the way, after hanging up on Joe mid sentence, He called my cell number with yet another line from Peerles....717-702-2006......Seems Joe is a muti-tasker with the phones.

He called me today, whoever he really is.  I have had problems in the past with fraudulent collection agencies.  They somehow obtain your information then call and harass you.  There is one in upstate NY who called all my neighbors, my father and threatened my brother. So I started to harass them back. Neither that company, nor Peerless Credit appears on my credit report. I was smart enough to sign up for a credit monitoring service.  I sent the other company a cease and desist letter, they haven't called since. I will gladly do the same for Mr. Joe or whatever his name is if he persists.  He is not too far from my parents either, perhaps Fred and I can go for a little drive one day.  This Joe guy is a creep, he called me and when I asked what company he was from he asked me for my name.  You have caller id don't you, Mr. Joe. You just called me. You want MY money right? Well then you figure out who the F I am, otherwise I bid you adieu.

DEBT COLLECTORS MUST BE LICENSED IN YOUR STATE - if not - they cannot call, mail or make any attempt to collect any debts from you AT ALL

Debt collectors MUST send info on the DEBT in writing via USPS and tell you that you HAVE THE RIGHT TO DISPUTE THE DEBT.

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

I had a message left from this number and did not know who was calling.  There was only a name and number in the message.  I discovered this company is not able to leave details on an answering machine.  I called and got the details but had to confirm my identity.  So many privacy laws these days.  I identified myself, got the details about the account, and was able to work out a repayment.  I thought they were very fair and professional.  I had a very different experience.

I got a message from a guy named joe.  was hesitant to give out my name when I called back thinking it was a scam but he explained he needed to verify who I was before he gave out my personal info.  said it was a privacy issue, he said said it comes across as a little rude at first but its for my benefit.  i'm off work so he said would put my account on hold and check back wth me.  I liked that they wanted to protect my privacy even though it made them seem a little evasive.  I wouldn't want my information being given out to someone else.

I ran the phone number that called my cell and found this site, was just curious about who was calling me to see if it was a telemarketer since I'm on the 'do not call' list.  What baffles me is the number of people on this site whining and complaining about someone leaving a message for them or calling their phone.  There's even one guy who threatens to pay the company a visit because they called him.  My advice would be to get over it.  If it's a creditor calling you, pay your bills.  If it's a telemarketer, get on the 'do not call' list.  This appears to be an informational forum, not a website to vent your frustrations over someone ringing your phone.

This company is the most unprofessional rude company I have ever dealt with.  My wife contacted the company to settle a billing issue and spoke to Mike Sims (apparently the call center manager) and was not permitted to speak let alone have anything resolved.  

A billing account that we had already made partial payment on (almost half of the bill had been paid already) had shifted to this companies records, and we were not aware of the transition since my wife and I had recently purchased a house and the company did not have the proper address to notify us they hadn't received our final payment.

When we contacted them (initially just my wife called) she was transferred to Mike Sims to discuss the bill, he started out normal enough requesting a payment be made, etc.  But when my wife answered his question about why we weren't able to make the payment he wouldn't even allow her to respond, claiming that all that was irrelevant and that she was a deadbeat debtor.  I was brought onto the call since my wife could no longer handle his obscene and childish behavior, and was met with the same attitude.  

Mike sims and Accumed billing are utterly pathetic as an organization.  I cannot believe that anyone would allow their reputation to be decimated, by using a company like Accumed to represent them in bill collection.  There have been many companies that I have dealt with in my life that handle phone customer service and this is by far the basest example of a company that has no clue how to operate their business.

When I asked for Mike’s supervisor his only reply was:
"This is as far as a lowly debtor goes, I am the manager."

Needless to say I have already contacted one of the owners (their info is below) of the company and filed a complaint with the BBB using the link provided below, and I invite you to do the same.

Peerless Billing Service
Also operating as (probably because they couldn't show their face as Peerless anymore)
Accumed Billing Services

725 Maple Road
Middletown, PA     17057-2857
(717) 702-5500

[PA Department of State Records]

Date: 12/22/2010      Business Entity Filing History
(Select the link above to view the Business Entity's Filing History)      

Business Name History
Name    Name Type
PEERLESS CREDIT SERVICES, INC.    Current Name
Business Corporation - Domestic - Information
Entity Number:    762308
Status:    Active
Entity Creation Date:    8/30/1982
State of Business.:    PA
Registered Office Address:    725 Maple Road
Middletown PA 17057
Dauphin
Mailing Address:    No Address
Officers
Name:    VICKI A HARTMAN
Title:    President
Address:    725 MAPLE RD
MIDDLETOWN PA 17057-22
Name:    BRADLEY R RUNYEON
Title:    Secretary
Address:    725 MAPLE RD
MIDDLETOWN PA 17057-22
Name:    BRADLEY R RUNYEON
Title:    Treasurer
Address:    725 MAPLE RD
MIDDLETOWN PA 17057-22
Name:    DEBBIE REITZ
Title:    Vice President
Address:    725 MAPLE RD
MIDDLETOWN PA 17057-22
Caller: Peerless Credit Service AKA Accumed Billing Service
Call Type: Debt Collector

Better Business Bureau

http://dc-easternpa.bbb.org/complaints/commoncomplaint.html

A lady called my home asked to speak to me about a personal matter.
When I asked what personal matter she wAs referring to she said she would not discuss this with anyone else She further stated listen honky are you this person or not? I said give me the name of your company and I’ll send a cease and desist letter.    She was not only rude disrespectful but she was racist against white people as she was hanging up she said these dam crackers are all the same.

Peerless Credit

Most likely this group:

http://www.peerlesscredit.com/
Peerless Credit Services
717-702-2000
1-800-745-8171
717-702-2007 Fax
EMAIL US:        COLLECT@PEERLESSCREDIT.COM
MAIL US
Peerless Credit Services, Inc.
449 Eisenhower Blvd Ste 120
Harrisburg PA 17111
**
BBB:
(717) 702-2000
Peerless Credit Services, Inc.
35 years in business
725 Maple Road
Middletown, PA 17057
Additional Phone Numbers
(717) 737-4283
(717) 702-2004
Additional Email Addresses
collect@peerlesscredit.com
BBB File Opened: 08/01/1997
Business Started: 09/01/1982
Business Management
Mr. Brad Runyon, Vice President
Business Category
Collections Agencies
This Business Is Not BBB Accredited
Peerless Credit Services, Inc.
A  BBB Rating System
**
Per records of the Secretary of State of Pennsylvania
Business Name History
Name:            PEERLESS CREDIT SERVICES, INC.
Name:            PEERLESS CREDIT SERVICES, INC.
Entity Number:        762308
Entity Type:        Business Corporation
Status:            Active
Citizenship:        Domestic
Entity Creation Date:    08/30/1982
Effective Date:        08/30/1982
State Of Inc        PA
Address:        725 Maple Road Middletown PA 17057 Dauphin
Name:            BRADLEY R RUNYEON
Title:            SECRETARY
Address    :        659 SPRING GARDEN DR MIDDLETOWN PA 17057-3033
Name:            BRADLEY R RUNYEON
Title:            TREASURER
Address    :        659 SPRING GARDEN DR MIDDLETOWN PA 17057-3033
Name:            DEBBIE REITZ
Title:            VICEPRESIDENT
Address:        659 SPRING GARDEN DR MIDDLETOWN PA 17057-3033
Name:            VICKI A HARTMAN
Title:            PRESIDENT
Address    :        659 SPRING GARDEN DR MIDDLETOWN PA 17057-3033

Whoever this is, he keeps calling my phone asking for my husband.  He hangs up before I can get anu=y information from him.  I'm blocking this number.  Creeps!

Got call 3 days ago. No message. Phone is known by few people. It is usually turned off. Don't have overdue debt.

The guy wouldn't tell me where or for what he was calling me. I know I have no past due bills. I'd call back with a blocked number and a different person would answer each time, and each person was ruder than the last. So I did a little research and found out that it's Peerless Credit. So armed with this info I called back and first question i asked is "is this Peerless Credit", and the guy said yes. Finally an answer! Then we played a game of why are you calling/who are you round and round. Finally got fed up and hung up. I'll be reporting this company to BBB.

I have collected close to $ 6000 in 3 years from debt collectors. I record the calls, take pictures of caller id so date and time show. I then send a certified letter telling them to cease and desist. Give them 10 day from date they received the letter and if they continue to call I get a consumer fraud lawyer and sue.

You have to love when emoyees post like they took the call and made payment arrangement.  Or how sweet the person from the company was and the added pay your bills.
These people called my cell phone, which I had the number less then a month, looking for my husband. Asked how they got the number she stayed we have our ways.
It is ILLEGAL for them to call your cell phone unless 1) you gave written permission 2) you gave the number to the original creditor.
It is also illegal not to ident which company it is. Once you give your name they MUST give you company name and go through the whole this is a debt collector speel.

Scammers don't care what is or isn't illegal.

That's all?  You should be getting at least that from every DC.  Once they receive that letter, then they must immediately stop calling.  There is no reason to give them 10 days.  The FDCPA is extremely clear on that, as they can on make one more call regarding their intentions.  I personally would prefer a debt validation letter over a cease comm as it will do the same thing and if they cannot validate the debt, it will require them to remove any negative reports from your credit record.

Called left no message

Called number back and Victor keeps asking for my name but will not reveal name of company. I hung up!!!