8772689286

You need to take a check on your attitude. There is a lot of people out there who are dealing with bills honestly. Then there are those that don't have the means to pay on a bill because of health, loss of job or death. Give me a break. You are as compassionate as a vampire. Companies need to be held accountable for how they do business. Why is that so hard for you to understand? Some of us are victims of identify theft. You assume that everyone is responsible for these debts. Lets get real. There are a lot of people out there who do damage to those who have always been responsible. I happen to be one of those people. These folks called my parents and harassed my Dad. I'm furious. Good thing I have documentation and an attorney who can provide the necessary paper work to clear this up. But come on, a debt that is 5 years old? Who the heck do they think they are? Crooks, liars and bandits. One wrong doesn't make a right.

Do not call lists do not apply to this company!

on 1-23-09 my daughter received a phone call from Tri-Financial collection agency, she called them back 3 times & was insulted & vulgar language used.  Then my son called them because he thought it might be about a small $40.00 from way back, he was also screamed at, insulted & vulgar language used.   Then I called, I was put on hold 2 times & the 3rd call I was connected to the so called manager Kelly she identified herself as.   She screamed all thru the call, I could not make any sense of the call.  She treated to put some kind of a hold on my son for 10 years so he could never open up a bank account, credit cards, etc.  
She stated it was connected federally.   I personal thought this miserable company was a scam.   I am in contact right now with the bank I think it might be about.????     I also just filed a complaint with the Federal Trade Commission.   This Company needs to be put out of business.  None of us deserves to be treated in this manner.

Apparently, these ppl think I was born yesterday..too bad I wasn't. I keep getting a call from Peter Stanton saying it's going to be the last call (how many times now?) and I have yet to call them back and won't call them back except to tell them that if they don't stop calling, I will file a telecommunications harassment case against them.

Call on my "throw-away" no-name cell, to voice mail. "we have attempted to reach you multiple times; you must contact us immediately to resolve this problem, call 1-877-268-9286 now".  There is no way they have a name for my number. They are just phishing.

duh, who is the idiot. cash net and advance america will not show up on a cr bc it is NOT a loaN. just pay ur bills and people won't call you. and you'd be schocked how many people have " amnesia" !! lame and losers all who don't pay!!

dnc doesn't work, it's collections.....duh the calls don't stop

Tri Financial (Tri-Fi) is a debt collection agency.  There may be other parts to their business as well, but I don't know about those.  Their website (with MASSES of spelling and grammar errors) claims that they are based in North Tonawanda, NY.  Tri-Fi's debt collection tactics are often fraudulent and illegal.  
       On the homepage of the New York State Attorney General's office website www.oag.state.ny.us/  is a "Resource Center" that has a "Consumer Frauds" link.  Click on "Consumer Frauds," then on "Credit and Lending," and then on "Debt Collectors."  The site lists illegal tactics that some debt collectors might try.  To judge by this list, Tri-Fi does a good many illegal things.  
       Face it, folks: debts do have to be paid, and debt collection is a legitimate business, even if it does piss you off to be reminded of that $800 credit card bill from five years ago that you were hoping everyone had forgotten about.  But even if they aren't exactly popular, debt collectors can still conduct their business legally, and sometimes even politely.  Tri-Financial (Tri-Fi) engages in dishonest, abusive, and fraudulent practices in the name of debt collection.  
       In my case, they are calling to collect on a debt that is currently owned by a different collections agency.  That's right: bad debt is bought and sold just like inventory overstock in a clothing store.  The original company will sell its bad debts (unpaid credit card balances, etc.) in a big bundle to a collections agency who will attempt to collect on each account for a period of time.  If that agency doesn't succeed, they will re-sell the debt in another bundle of bad debts to a different collections agency, who tries again.  Depending on how old the debt is, there can be several links in the chain.
     Tri-Fi is calling me about a debt that it doesn't even own.  It did own the debt some time ago, but also sold it some time ago, and now the other company (whom I settled with) holds title.  What Tri-Fi is doing is equivalent to getting into a car that you've sold to someone else two years ago, and driving it away, in order to sell it again, i.e., stealing someone's property and trying to make money off it.  And then they make ugly and threatening phone calls to people as part of making money in this illegal and dishonest fashion.
     I filed a complaint about Tri-Fi with the NY State Attorney General's Office today.  Apparently, NY-SAG's office has received several complaints about this company's debt collection tactics.  If that's the case, I wonder why they haven't acted to shut down Tri-Fi for its dishonest, abusive practices.  
       It's a nuisance to fill out the form, but if you can file a complaint you should do it.  Seems like a lot of people have been wrongfully harrassed, abused, and frightened by these dishonest twerps.

www.BudHibbs.com lists scam debt collectors with the title "Collectors to Avoid."  
Tri-Financial (Tri-Fi) is big on that list.  They go by various names:
- Vision Credit Solutions, LLC
- CNE Associates, LLC
- Tri-Financial, LLC, North Tonawanda, NY

They lie (about being attorneys amongst other things) and break the law in various other ways.  Don't just hang up on them and don't erase phone messages: report them to the NY State Attorney General's Office and keep the phone messages as evidence.  The NY-SAG is "aware" of Tri-Financial and every single complaint helps to eventually nail these slimy, abusive SOBs.

ncs... How about the old adage about throwing stones in glass houses?  From reading your colorful posts it seems interesting that you decide to point out spelling and grammar errors on a website that was most likely outsourced... When the problem arose originally with TRI Financial... Did you speak with a supervisor to try to clear up the issue?  Did you request debt validation?  Was there no one at the company willing to help you? If none of these avenues worked then you were left with no choice BUT to report this activity...
Nobody is perfect as you so eloquently pointed out, that's why you don't believe anything you read on a public forum on the Internet... Not to mention a forum with absolutely no moderation such as this venue.
By the way... Did you pay the $800 to whomever it is you owe?

Curious...
People who haven’t the wit to come up with their own analyses fall back on misapplied adages.  I don’t know what the “glass house” is supposed to be in my case.  As I said in the same post in which I commented on Tri-Fi’s website errors, I settled the debt with the collections agency that holds legitimate title.  I'm all too familiar with legal debt collection procedure, as well as illegal debt collection tactics: I've had to deal with a number of debt collectors over the past 15 years on behalf of someone for whom I’m responsible.  (Unfortunately, I can’t forestall predatory companies that persist in offering him new credit cards in spite of his lousy and irresponsible payment/credit history.)  
         Filing a formal complaint is more work than making a phone call.  Naturally, I phoned Tri-Fi before filing the complaint with the AG’s office, and, naturally, I made sure that the person on whose behalf I was calling had given Tri-Fi permission to speak to me about his debt, as required by law.  At Tri-Fi, a fellow who said his name was Jeremy responded to me with shouted abuse, and refused point-blank to transfer me to the account supervisor (supervisor name given was Chris Morrow) even after I phoned a second time.
        I doubt that Tri-Financial is double-dipping on every single debt it tries to collect on.  The agency often employs distinctly illegal tactics even when pursuing debt that it legally owns.  
        Outsourcing, or not, is off the point (unintelligently far off).  Errors in a professional website, regardless of who perpetrates those errors, indicate shoddy and shady work on the part of the company that owns the website.  The same applies to hasty and would-be sarcastic posts such as yours.

Curious ...
Sorry, I forgot one thing in my last sentence:
The same applies to hasty and would-be sarcastic, and ungrammatical, posts such as yours.

ncs...

The 'debt' industry as a whole is flawed from beginning to end... predatory lenders... irresponsible consumers... debt buyers that transfer debt without proper chain of title (ty for the proper term).  From your posts, I would hope you would agree... The point you made about debt collectors playing by the rules (legally, and sometimes even politely) is of the utmost importance.  A positive interaction between the consumer or representative and mediator (sometimes/usually SOB's) is the only way to stop the cycle (as you have done for the individual you are responsible for).  It is very unfortunate that you personally made a good faith effort twice to no avail.

Aside from grammar and with the utmost respect, how can this industry as a whole be fixed to avoid cases like this?

Glass houses -1...

Curious...

Oops...

Glass houses AND would-be sarcasm -2...

ncs...

In regards to my open ended question to fix the problem, can't proximate cause be loosely applied?  I'm hoping (guessing) you're an expert.  How does foreseeability enter into this equation??  Blame can be placed on the predatory lender, the reckless consumer, the mismanaged bad debt... the twerp in the middle and the twerp after the fact...

Irresponsible lending in general is a major cause of the problems we're ALL facing as American's today...

For what it's worth, I feel very strongly that the blame should fall on the predatory lender, where this originated.  That's just my opinion...

What's your position?

Please keep it under 3 B.H. ;-p (I hope MILD sarcasm is okay)...

Curious

Thanks for the good-natured responses, Curious...  
I don’t get this from your post: “Please keep it under 3 B.H.”  What’s B.H.?
I'm no expert in this area.  I'm just (unfortunately) experienced-by-proxy.
       I haven’t a clue how to “fix” the debt collections industry-- the unpleasantness of the whole business seems to be built in-- except to nail the illegal/dishonest operators and make the whole just a little bit cleaner.  In doing so, it helps to know which people to turn to for information or advice, and to hang on to the info (collections agency case#, the phone number that the agency called, etc.) that is necessary to follow up.  I got the  www.budhibbs.com  site recommendation from the NY State Attorney General's office.  Those guys (any state AG office) are extremely helpful with regard to abusive/illegal debt collections, or with legal collections, come to that.
       I agree with you that the fault for "bad" debt lies on all sides; I also agree that predatory and irresponsible lenders (credit card, mortgage, whatever type of company) are probably the largest part of the problem since it originates with them: if people with consistently poor payment histories are refused when they try to borrow yet more money or to buy yet more stuff, then they won't go yet further into debt.
       On the consumer side, I only know that the rules are made up of words like “honest” and “responsible,” and you do have to abide by those rules if you’re going to play the game at all.  If I ever want to own property I know I’ll have to move pretty far out of my current residential area because I couldn’t afford mortgage payments in this area.  I’ve never personally had a bad debt, and in fact have had no debt at all for the past 5 years or so because it just made me too mad to pay exorbitant interest rates on outstanding credit card balances.  But if I’d had the outstanding balances, I would have HAD to pay that interest – I can’t just pick the debt that I feel like paying.  
       An acquaintance of mine who works for a credit card company told me that his industry’s nick-name for people like me, who pay their balances in full every month, is “deadbeats” because they don’t make any money off us.  “Predatory” is the right word for those guys.

ncs...

I love being a deadbeat too...  Not many people in America in our club now a days... it's a good feeling, eh?  I think we would both agree that there is a BIG difference between debt(mortgages(TBD), student loans, properly managed revolving LOC's) and bad debt(High rate/risk LOC's issued by predatory lenders, payday advances, car leases for that matter...)  Credit is an amazing concept, who wouldn't want a free 30 day unsecured loan?  Problem is that running balances is probably more dangerous than running with the bulls... I'm glad you brought up the point about how bad debt has to be paid off.  If more debt collectors were willing to work with struggling consumers maybe the industry wouldn't have such a bad reputation.  Think about it... if you have a good experience at a restaurant, you may mention it to friends.  If you have a bad experience.... everybody you talk to will hear about it.  Change can only come from within in regards to the debtor/collector interaction, however the consumer still has to come up with the money to pay the debt, which is usually the sticking point.  What most debtors do not understand is that small monthly payments really do no good for extinguishing the debt.  A debtor is better off offering a lump sum (like in the case you were dealing with) up front to satisfy the debt in full, rather than prolonging the situation.  Most importantly a debtor that casually throws out that they can afford say, $50 a month, sounds somewhat foolish to the typical debt collector (reference bud hibbs' profile of the 'debt collector').  Who in their right mind has their weekly/biweekly/monthly budget worked out so they have EXACTLY $50.00 set aside for repayment of bad debt?  Better yet ncs, who in America uses a budget anymore?  Again, VERY unfortunate that you tried twice to resolve this issue... Maybe the third time, if you ask for Jeremy's supervisor directly, you'll have better luck... I'm Curious to see if this might work.  Besides the AG complaint, maybe hearing it from you might persuade change? Hey, ya never know?!?  

BTW - B.H. = Billable Hours, under the assumption you were an expert, and I was wasting your firms time...

Proximate cause (from wiki) - is an event sufficiently related to a legally recognizable injury to be held the cause of that injury. There are two types of causation in the law, cause-in-fact and proximate (or legal) cause. Cause-in-fact is determined by the "but-for" test: but for the action, the result would not have happened. For example, but for running the red light, the collision would not have occurred. For an act to cause a harm, both tests must be met; proximate cause is a legal limitation on cause-in-fact..  I was trying to draw the correlation that the but-for rule of law might actually apply to this.  But-for the fact the debt was incurred and mismanaged by the consumer, this collection matter would not have happened...

Curious

ncs, let me know what happens...

i received a call today from a carrie from Tri-financial. She acted as though she listened to my story. I told her I didn't believe that I owed 2200 on a 300.00 debt. I told them I was not able to pay that amt. She asked what could I pay I told her the amt of the original debt. She stated that I needed to speak with her supervisor, who was very ugly and talked to ne in the most disrespectful tone of voice he could muster. I was told very frankly "I don't mean to be rude. but I really don't care"  He told me that I had until february the 28th and today is the 17th to pay 1294 or I would be served with a summons, licensed revoked and reported to checksystems.  I feel that I am being railroaded. In a way I was scared and now I'm mad. What should I do?

Hi Disgusted:
       The threat to serve you with a summons and/revoke your license sounds like a "False or Misleading" statement #3 on the list below.  You can phone the NY Sate Attorney General's Office 716-853-8416 in Buffalo, NY (you have to call that office because Tri-Fi falls in their jurisdiction).  Don't worry-- you'll get a live person at this number and the AG's office won't be nasty to you even if you do owe this debt; they hear all the time from people in similar situations.  Ask to speak to Karen, and then ask her if Tri-Fi has the power to do what they threatened to do.  Make sure you have Tri-Fi's case number for the debt they called you about.
       If Tri-Fi doesn't have the power to do it, but still threatened you with that action, they're breaking the law and the AG's office needs to know about it.
       Good luck.
--------------------------
False or Misleading Representations: Debt collection agencies may not deceive you with:
   * false representations that they are government representatives;
   * falsely represent that they will seize, garnish or sell any property or wages unless such action is lawful;
   * false representations that you have committed a crime or that you will be arrested or imprisoned;
   * threats to communicate false credit information with any other person;
   * falsely implying that the debt collector is employed by a credit bureau;
   * false representations implying that they are attorneys or that there is the involvement of an attorney in collecting a debt;
   * falsely indicating the legal status of papers or forms sent to you;
   * use of a false name;
   * misrepresenting the amount of the debt; or
   * sending you something resembling an official document from a court or governmental agency when it is not.

Why not just ask for a letter showing you owe the debt and pay the debt to be done with it?  You incurred the debt, you saved all the original paperwork like a responsible adult, so this shouldn't be a problem.  What does this company owe you?  They wouldn't have to call you if you didn't put yourself into this postion.  Do you really expect anyone to care about your self-imposed financial problems?  What happened to responsibility??  Nobody likes to pay bills but please people!  YOU did this... Not them...