800-545-2705

call neighbors to see if I was home not nice

Alicia Higgins called July 2 and left a message asking me to let my neighbors know that she was calling them.  Ask them to call her back.

Did not respond.

Belongs to Creditor's exchange.  Guy named Jeremy Buszinski called.  Anybody have any idea what fax number is?

Left a message for my mother that scared her into thinking something was very wrong. Named Mr. Marc something.

i had Mr McCoy from CI Inc actually call me and left a message and said he was the attorney and if i didn't call back by 5pm eastern he couldn't wait to see me in court, i am pretty sure he is not a attorney, that's what they have law clerks or secretaries for. plus he would know that is harrassment to call and give people altimatums like that or else. he would have used a much better choice of words. which brings up a valid point that he than lied about who he is which HIGHLY illigal by FCC laws.... amatures!!!

Tell"McCoy" you can't WAIT to see him in court, either, for he has violated Section 807 of the FDCPA, by claiming to be an attorney and making threats which he has NO intention of carrying out:

§ 807.  False or misleading representations  [15 USC 1962e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.

http://www.creditinfocenter.com/legal/FDCPA.shtml#807

File a complaint against this moron and his bosses at:

https://rn.ftc.gov/pls/dod/wsolcq$.startup

Here's more information regarding these nitwits at Budd Hibbs' website. They have already been sued for making the same threats to others, and another one won't hurt:

Creditors Interchange Receivable Management, LLC
80 Holtz Dr    
Airborne Business Pk.,
Cheektowaga, NY 14225-1470
Phone: (716) 614-7500
Fax: (716) 614-7546
also known as "The Benchmark Group"
Web Address: www.creditorsinterchange.com 

Bud Says...

These dirt bags have a history of not being able to control their collectors. Below is the results of an action taken against them last year in Minnesota;

CREDITORS INTERCHANGE INC Lic# CA20157551
Against: Collection Agency
Action: Cease & Desist/Consent
Signed: 2/2/2004 $10000 Fine
File # CA 2303834 KRJ
Allegation:
Respondent allowed collectors to threaten actions they had no intention of taking and allowed unlicensed collectors to contact MN residents.

We have just recently received another interesting piece of information about Creditors Interchange. The State of New York is fed up with the unlawful practices of these knuckle-heads. Because of complaints from consumers about Creditors Interchange they were forced to sign a Assurance of Discontinuance to the New York AG. In other words; "We promise not to break the law again". I have attached a copy of the court document in .pdf format. If anyone has problems with this guys please send a letter to the New York AG office, I'm sure they can make sure you are heard.  

New York Assurance of Discontinuance against Creditors Interchange.pdf

August 1, 2003 — BUFFALO, NY - Creditors Interchange, Inc. has announced the acquisition of its business operations by two Chicago, Illinois-based private equity firms; Prairie Capital, LP and Caffery Capital Partners, LLC.

Creditor's Interchange is located in (where else) Buffalo, NY, however they have a large collection operation across the river in Canada (ayhh!) where the wages and worker benefits are even smaller. CEO David Young must have gotten one hell of a bonus for pulling this off.

VERY aggressive debt collectors who will lie, threaten and do any illegal act imaginable, just to separate you from your money. These are nasty, desperate conmen, and con-women that should NEVER be trusted. They have posed as bankers, lawyers and other professionals to scare consumers into believing something bad would happen, if monies were not immediately forthcoming.

In reality, these low-life's of the collection industry are nothing but a fraud! Any debt collector from Buffalo, New York is desperate, however Creditors Interchange apparently is hiring the WORST of the WORST! Stay far away from this ship-wreck of out of control rats, they are desperate and dangerous.

http://www.budhibbs.com/debtcollectorpages/creditors_interchange.htm

Recieved this call today.  Ryan Buzynski ext 3458 left a message pretending to be an attorney as well. The number he left in the message was 1-800-545-2705, the caller ID read: 500-000-0000.

He never stated the company or matter in the message.

A David Sobolewski found my wife's number and told her of my individual credit card debt and he was an arbitrator and we are going to litigation in a couple of weeks if I don't call them back.  I called back and when I punch in the extension I either get someone else or an Elizabeth Bloom voice mail.  Makes me think that his name was a code name and he doesn't work there.  How can these guys get away with telling someone else about my debt, threatening litigation when he does not have the final say so and using a bogus name.  I plan on sending a complaint a week to the FTC until they respond.  I already printed 52 envelopes.  Has anyone else filed a formal complaint and what happened?

got a call from a Mr. Potts who made threats to me, through my teenage son. needless to say it scared my son and i had to assure him that everything was ok. Creditor Exchange are a bunch of low lifes and scum bags.

why are people scum bags for calling you to collect money that you decided not to pay.  I think you should re evaluate the situation and realize your the scum bag for not paying your bills.

Had an Aaron Shall call the gym i work at....i dont actually work for the gym, I work for a different company inside of the gym.  So not sure how they got that number....I have my own phone and a work number.....Apparently they called regarding Best Buy?

I think calling anyone a scum bag is uncalled for regardless of the situation.  I am having financial problems and I work 80 hours a week.  My husband was sick and I am seriously behind on some bills which has this place calling me.  If you have never had financial problems, don't assume that we "don't pay our bills"...There is no reason for these people to threaten anyone, much less a teenage boy.  I have had the same job for 13 years and I have a second job to try and rectify this situation.  Some places won't work with you no matter how hard you try to compromise.  So lets stop the name calling until you know the whole story.

9/18/2008


I really do not think most people go in debt intentionally,running up credit cards with extravagant spending and frivolous purchases (yes some do).  We as a society are currently in a time where even Wall Street, major long established banking institutions and manufacturers (automakers looking to the government for help) are in over their heads and looking for some help.  In their words a “bail-out!  Everyone is struggling like never before or at least not in recent memory.

Collection company employees are paid by what the collect.  The tougher they are the faster they THINK they will collect.  Ironically as they lecture on the legalities and illegal practices of the debtor, many times they are as cited in above postings, breaking the laws that govern them.  I believe they have a bit of security in the fact that most of those who owe money and are in collection have a strong enough ethic fiber to feel truly guilty that they are in the situation they are.  I, myself would not want to trade places with them, although I would like to teach them a little about kindness, compassion, and the fact that in many cases less is more.  Meaning if they would use less force, and more consideration of the individual circumstances they would in many cases be much more successful.

Debtors need to remember to be truthful, forthcoming and willing to listen and work with the collector.  at least attempt to make arrangements that can be met. If the situation changes, contact the agency and re-negotiate . Communication should keep things from escalating to the point of no return and both parties loosing.

I truly doubt things are going to improve all that quickly and everyone on both sides will need to practice more patience.  So to all of us I say GOOD LUCK and it might help if we all treat each other, as we would want to be treated.

P.S. yes I have debt and yes I have been pursued by collectors, and I know who I pay first; The ones that will talk to me and NOT at me.

Thanks - I did file a complaint. I found myself literally talking into space when trying to work with these folks.  I am not sure what their story is, as it changes throughout in accordance to their need.  Very sad group of people.  I am not opposed to or trying to deny any debts.  However if, something has happened to prevent me from paying a small monthly payment, why would any reasonable rational person think it would be easier to pay 10x the amount?

Gee you must work for Creditors Interchange - there are actually people out there in the debt collection world that act in a professional manner and want to work with you to resolve bad debt.  Who are you to call someone a scum bag - you do not know the circumstances of why this person owes money - it could be that their spouse died - very rude of you to make a comment like that.  One thing is for sure...the people from Creditors Interchange (most likely you) are incredibly rude, threatening and unbearable...I'm sure you have owed money to someone at some point in your life....you should feel so proud for insulting people.

david hocafeld called my cell phone and then my house phone. left a message on my cell phone for me and my husband to call him at 18005452705 (don't remember the extention) and never stated anything else.

They keep calling my home asking for someone I do not know.  I told "Mr. Hamptons" several times he had the wrong number and to stop calling.  He told me I was a lier and he would keep calling. He does he calls every damn day with important information for some chic I never heard of.  They are very rude ! No wonder debtors don't want to deal with them. I asked for mailing address and he refused to give it to me. Well if I were this person who owed$ I couldn't mail a check !

aint got the cash , can't pay, screw you. shouldn't have given the credit. don't be hatin on me cause you got played. The state protects us from predators like the ones on this site, and predatory lending is what tanked the economy.

You are one of the ones who give a bad rap to honest people who want to pay and are willing to take the responsibility.  You were "playin" the credit company?  I actually looked at this site because I did not like how the collectors were conducting themselves when they contacted me, now I get a better idea of why they develop the attitude they do.  Yes, "free lending" resulted in a bad economy but people with your attitude of "somebody else take the blame for my poor judgment" will keep the economy tanked as you so eloquently phrase it!

Is creditors intercharge the same thing as creditors exchange, they are also from buffalo New York.  I made some stupid mistakes dealing with them, but hope that it all got worked out.  They did the same thing, telling me that they were from the litigation department and that I was going to have a suit put in place the next day.  The scare tactic worked, and I set up a setlment with them.  Post dated, because I was to be getting some money in, and had already planned on using it to get out of credit companies anyway.  Well I told them I would need a letter saying it was a settlement, and they would not ask me for more money, they never sent it.  I asked twice, and didnt call back the third time till it was the day of, and they were already processing the check.  Well the next day in the mail I get a letter saying that I owe them $75 dollars a month until the debt is payed, and my settlment is just a down payment.  I stopped payment on the check, and am praying that the bank is still able to stop it.  Im so mad at myself for letting this happen, and getting swindled by them. I called, they kept trying to convince me that in their computors my account is zeoroed out, and that the letter was a mistake.  Of course I dont believe that for a minute.  Just be really careful dealing with these people, dont make the same mistakes I did.