800-568-0156

GE Money handles Lowes Cards Account.  My information shows citibank handles Home Depot card accounts- I don't know about Exxon or Penney's.

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!!!

Absolutely excellent information TLCPetMommy.  I couldn't figure out who to contact to report them.  In Paragraph 2 & 3 you mention FCC then in Paragraph 4 you mention "FTC".  Should this have been FCC or is this another organization that I am not recognizing the abbreviation for?

Our calls started a couple of days after our very first time being late, which believe it or not, was our banks' fault.  When we realized the large purchase was not 12 months zero interest we decided to transfer that amount to another card and the bank messed up.  I have it straightened out and Lowe's will have their money in the next few days, but it baffled me why a 'collection agency' was calling when the payment wasn't even 2 weeks late.  Now I see why reading everyone's complaints.

All that said, I was hoping someone would supply a location to file a complaint if Lowe's isn't going to do anything about it.  I don't see where keeping their card is a good idea anymore.  The only reason we got it was due to another large purchase that was 12 months 0% interest and 10% off for opening the card.

Thanks for the info.

everyday without fail these people call.Neverleaves a message.I DO NOT HAVE A lOWES ACCOUNT.Don't care too.

I answer the phone and say "hello" clearly and loudly and never get a response.  They even call late at night but never say anything back.  I do have a Lowe's account but this is redicules and I will cancel my card if this is what I get for being a customer!

these people call at all times of the day.  They have even called me when I was in Church!  I am getting sick of it and wish there was some way I could stop them from calling my cell phone because they don't leave a message but, they leave a short beep that is enough to make it seem like I have a message and it wastes my minutes!

800-568-0156
cardmember services.com will give you all the info on this company including address and phone numbers.
phone calls every hour. They should be aware of the old saying "attitude is everything". Every time they call, my attitude towards the debt becomes more and more "they go to the bottom of the stack".

Calling for Cynthia Weaver from 1 800 568 0156 (they say it)
I have nothing to do with that person. I can not contact them
so far.

B Rey

They call til 10 at night.  One day alone they called 31 times.

I suggest you call Mark W Begor (203) 762-3902

he's the CEO of that crappy GE Money Bank -from now on, for every call they make to me, he is getting one of his own. let's do what they do - just keep hanging up every time his home machine picks up. we should let him know how invasive and violating of the Fair Debt Collections Practices Act this is. and it's legal for us to return calls - he needs to be responsible for his rude employees and illegal tactics.

I do not have any credit cards and these people are calling me on my cell phone, which is suppose to be on a no call list. I am very upset!!!!!!!!!!!!!!!

these [***] [***] call me mutliple times a day, if i pickup no response... computer says please hold while we forward to you to an operator.. followed by another minute of silence message repeats. all day, everday, at the most random times. finally after a week they left a message and set it was for lowes credit cards, i dont have a lowes credit card. they deserve to die.

this same number actually called my family member instead of caling me. They should not even bother my family since I don't live with them.

Debt Collectors - or Credit Card creditors 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.  

Credit Card companies come under the Federal Law Fair Credit Billing Act.  They are not supposed to call after 9 pm or before 8 am.  They are not supposed to call on weekends or holidays.  They do anyway.

You can file a report ftc.gov regarding violation of phone calling hours. They'll only take action if others file similar reports & they see a patern.  

Search the internet for Dispute letters, see what you come up with.  I've not needed to try this.  But it's a thought.  Post a reply to this comment before sending, so I can read it.  I will help you if you let me!!!

- 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 simply tell them not to call you again, as you are exercising your rights and putting them on notice, per the Fair Debt Collection Practices Act Laws.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!

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.

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.

Debt Collectors - or Credit Card creditors 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.  

Credit Card companies come under the Federal Law Fair Credit Billing Act.  They are not supposed to call after 9 pm or before 8 am.  They are not supposed to call on weekends or holidays.  They do anyway.

You can file a report ftc.gov regarding violation of phone calling hours. They'll only take action if others file similar reports & they see a patern.  

Search the internet for Dispute letters, see what you come up with.  I've not needed to try this.  But it's a thought.  Post a reply to this comment before sending, so I can read it.  I will help you if you let me!!!

- 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 simply tell them not to call you again, as you are exercising your rights and putting them on notice, per the Fair Debt Collection Practices Act Laws.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!

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.

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.

Lowes Credit Cards are serviced or written by GE Money Bank Credit Cards.  These are one of the worst.  And one of the collection agency's for GE Money Bank uses, has already been sued by the FTC.gov for abuses, but they still continue; as they did when I spoke with their Collection Agency in 2007.  They are now using Genpact, which I don't have much experience with as yet.

These abuses you spoke of are highly illegal and would qualify for a Lawsuit.  Contact a Lawyer regarding Abuses of the Federal Fair Debt Collection Practices Act.  

If you speak to these jerks again, and it is allowed in your state - record the phone calls.  Best Evidence.  If not able to do this, then take notes with every phone call, and write exactly what was said, and who you talked to and when you talked to them.

To read the Law got to FTC.gov and click on Fair Debt Collections Practices Act.  A pdf booklet will open up.  My recommendation is to print out, and either have comb/coil or spiral binding put on it, or simply punch holes and place in a folder or binder for reference.  

Google Fair Debt Collections Practices Act and there's many Lawyers around the county devoted to these types of abuses!  Each violation can be sued for $1,000.00.  Talk with an Attorney about a Class Action Lawsuit to help others in your same situation!

Debt Collectors - Genpact, or ???  or Credit Card companies, 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 simply tell them not to call you again, as you are exercising your rights and putting them on notice, per the Fair Debt Collection Practices Act Laws.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!

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.

johnson:  No calls are supposed to be before 8 am or after 9 pm.  Against both Credit Cards and Collection Agency's or Debt Collector laws!  Please Define what you mean by morning and night

Jinny:  They can contact your family to ask your whereabouts only!!!  They cannot mention it's in regard to a debt.  And they can only call your family one time!!!

Dear tired of Lowes: Fair Debt Collections Practices Act only applies to Collection Agencies NOT Credit Cards!  So the FDCPA has nothing to do with the CEO of GE Money Bank.  However the Fair Credit Billing Act does!!!  

If you get on the CEO of GE Money bank regarding the wrong laws, like the Fair Debt Collection Practices Act, he won't take you seriously.  But if you read up on and learn the Fair Credit Billing Act, you'll have his attention. Read my other information [psted here!!! Good luck!

Sorry Kim, I just saw your message.  I was mentioning two differing agencies.  FTC for Fair Trade Commission (most reports/complaints should be filed with them!)  And FCC is Federal Communications Commission!  Sorry about the confusion.  

Again file complaints at FTC.gov.  They won't do anything about an individual  case - but if everyone who reads this files a complaint - they will see a pattern and investigate.

Kim I again apologize for not seeing your comments, and hope I'm not too late!

I get 7 or 8 calls a day, including Sunday form 800-568-0156 which shows on my phone caller ID as G.E. Money,  this is about my Lowes account.  I need to get this G.E. Money company to stop calling my house so many times a day.

They call and leave a message on my cell phone at least once a day.  Called 18005680156 and talked to a service rep and had them remove my #. Lets see if it happens. I don't have a Lowes Card, nor want one.