9726613744

They call asking for someone else. The message says if you want to be removed you have to call an 800 number to do so. I actually stayed on the line waiting for someone to pick up. The message says thank you for waiting, we are sorry our office is closed please call an 800 number during normal business hours. Sorry not going to go out of my way. I will find every complaint agency from the phone company to attorney general and the BBB. This is clearly a lazy attempt at skip tracing and is harassment to too many unintended targets. And should be stopped.

These folks have been calling my husband & I on our separate cell numbers from an 800 number.  Yesterday, they called from 972-661-3744 regarding the same matter.  They're looking for a person I haven't spoken to in over 20 years.  This person died a couple of years ago, and I keep getting their calls.  I reported the 800 number to the FCC a couple of days ago, and will follow up today to advise them of this latest call.  The FCC complaint page is at:
http://www.ftc.gov/ftc/cmplanding.shtm

This number has called and left messages way too many times.  The message says that if I'm not the person they are trying to contact (which I am not), then hang up; which I do.  Then they call back...incessantly.

Scammers......LOW LIFE BILL COLLECTORS.

I do not want anymore calls from this person.  I do not owe you anything other than a hang up on the phone.

Recieved a missed call and looked up the number to find this. Aware of Dick O Neal and who they are. House foreclosed in 2007 and the debt was settled with the lender. Lender sent me tax forms to file for the first 2 years, which I did, which are part of the foreclosure process. Did not see anything for awhile, but get letters probably monthly from this company. I do not believe the debt is valid because it was settled. Reading comments here appears they try to collect on anything they can think of, valid or not.

Dyck-O'Neal, Inc. - Consent Order
By the Division of Banks

COMMONWEALTH OF MASSACHUSETTS
Suffolk, SS.

COMMISSIONER OF BANKS
DEBT COLLECTOR LICENSING
Docket No. 2011-009

CONSENT ORDER
In the Matter of
DYCK-O'NEAL, INC.
Arlington, Texas

Debt Collector License No. DC1208 & DC1209

WHEREAS, DYCK-O'NEAL, INC., Arlington, Texas ("Dyck-O'Neal" or the "Corporation"), a licensed debt collector under Massachusetts General Laws chapter 93, section 24A, has been advised of its right to Notice and Hearing pursuant to General Laws chapter 93, section 24J, and having waived those rights, entered into a STIPULATION AND CONSENT TO THE ISSUANCE OF A CONSENT ORDER ("Consent Agreement") with representatives of the Division of Banks ("Division") dated May 5, 2011, whereby, solely for the purpose of settling this matter, and without admitting any allegations or implications of fact or the existence of any violation of state or federal laws and regulations governing the conduct and operation of a debt collector, Dyck-O'Neal agrees to the issuance of this CONSENT ORDER ("Consent Order") by the Commissioner of Banks ("Commissioner");

WHEREAS, an examination/inspection of Dyck-O'Neal was conducted pursuant to General Laws chapter 93, section 24D, as of October 5, 2010, to assess the Corporation's level of compliance with applicable Massachusetts statutes and the Division's regulations governing the conduct of those engaged in the business of a debt collector in the Commonwealth; and

WHEREAS, the Report of Examination/Inspection (the "Report") issued pursuant to the Division's examination/inspection of Dyck-O'Neal as of October 5, 2010 alleged non-compliance with certain applicable state and federal statutes, rules, and regulations governing the conduct of those engaged in the business of a debt collector in Massachusetts.

ORDER

NOW COME the parties in the above-captioned matter, the Division and Dyck-O'Neal, and stipulate and agree as follows:

1.Dyck-O'Neal shall ensure that the Corporation will continue to maintain a separate client trust account for Massachusetts consumers at a federally insured bank and will continue to deposit into such account the gross amount of monies collected from consumers and any other client funds. Dyck-O'Neal shall continue to maintain procedures to ensure that the Corporation deposits money collected for a creditor into a separate client trust account and not commingle such monies with the debt collector's own funds in accordance with the Division's regulation 209 CMR 18.11.

a.The Corporation shall continue to maintain written procedures to ensure that all client funds are maintained in accordance with the provisions of the Division's regulation 209 CMR 18.12 and that such account is routinely monitored and reconciled on a monthly basis.

2.Dyck-O'Neal shall establish, implement and maintain procedures to ensure that the Corporation does not communicate with a Massachusetts consumer in connection with the collection of any debt in excess of two telephone calls to a consumer's residence in each seven day period, in compliance with the provisions of 209 CMR 18.14(1)(d).

3.Dyck-O'Neal shall comply with all laws and regulations applicable to its conducting the business of a debt collector, including, but not limited to, Massachusetts General Laws chapter 93 sections 24 through 28, and the Division's regulation 209 CMR 18.00 et seq.

a.The Corporation's written response that addresses each of the violations and areas of concern specified in the Report has been accepted by the Commissioner and adequately describes the revised policies and procedures adopted by Dyck-O'Neal to implement all corrective actions set forth in: (i) the "Examiner's Comments and Conclusions" section of the Report and (ii) the provisions of this Consent Order; and:

b.Dyck-O'Neal shall continue to maintain procedures and policies to ensure that all applicable staff persons receive adequate instruction and ongoing, periodic training to ensure proper implementation and execution of the revised practices and procedures implemented pursuant to this Consent Order.

4.On the thirtieth (30th) day after the end of each calendar quarter following the date of this Consent Order, Dyck-O'Neal shall furnish written progress reports to the Division, which shall address and include the following:

a.A description of the form, content, and manner of any actions taken, if any, to further address each Section of this Consent Order and the results thereof, including but not limited to, documentation of client trust account activity that would demonstrate the Corporation's compliance with Section 1 of this Consent Order; and

b.Written findings prepared by Dyck-O'Neal detailing a review of management's and staff persons' adherence to the policies, programs, and procedures adopted pursuant to this Consent Order and to applicable statutes, regulations, and rules, as well as a description of any operational changes implemented, if any, during such quarter which are intended to continue to ensure Dyck-O'Neal's compliance condition in Massachusetts and the results thereof.

5.The reporting requirement to the Division referenced in Section 4 of this Consent Order shall remain in effect and shall not be amended or rescinded without the prior written modification, termination, or suspension of the applicable provision of this Consent Order from the Commissioner.
6.Nothing in this Consent Order shall be construed as permitting Dyck-O'Neal to violate any law, rule, regulation, or regulatory bulletin to which Dyck-O'Neal is subject.

7.In consideration of the foregoing Consent Order, the Division agrees not to pursue formal measures, relative to this matter, to suspend or revoke Dyck-O'Neal's debt collector license under General Laws chapter 93, section 24I, while this Consent Order is in effect.


8.Failure to comply with the terms of this Consent Order shall constitute grounds for license suspension and/or revocation, or other formal regulatory action pursuant to applicable provisions of the General Laws of the Commonwealth of Massachusetts.

9.This Consent Order shall become effective immediately upon the date of its issuance.

10.The provisions of this Consent Order shall remain effective and enforceable except to the extent that, and until such time as, any provisions of this Consent Order shall have been modified, terminated, suspended, or set aside by the Commissioner or upon an order of a court of competent jurisdiction.

11.This Consent Order and the Consent Agreement are the complete documents representing the resolution of this matter. There are no other agreements between the Division and Dyck-O'Neal.

BY ORDER AND DIRECTION OF THE COMMISSIONER OF BANKS:

Dated at Boston, Massachusetts, this 5th day of May, 2011

By: David J. Cotney
Commissioner of Banks

http://www.mass.gov/ocabr/business/banking-se ... sent-order.html


Department's Order to Cease & Desist Against Dyck-O'Neal, Inc. Becomes Final
Atlanta, Georgia —  On June 22, 2009  an Order to Cease and Desist issued by the Georgia Department of Banking and Finance to Dyck-O'Neal, Inc. of Arlington, TX, became final. This Order to Cease and Desist was issued by the Department after it obtained evidence that Dyck-O'Neal, Inc. of Arlington, TX, engaged in mortgage broker/lending activities without a license or under an applicable exemption.

Pursuant to Georgia law, it is prohibited for any person knowingly to purchase, sell, or transfer a mortgage loan or loan application from or to an entity that is not licensed or exempt from licensing or registration provisions to engage in mortgage broker/lender activities.

Contact:
Rod Carnes
Deputy Commissioner for Non-Depository Financial Institutions
Phone: (770) 986-1371
E-mail:  rodc@dbf.state.ga.us

The Department has regulatory and/or licensing authority over state-chartered banks, credit unions, trust companies, mortgage brokers, mortgage lenders, mortgage processors, check cashers, sale of check companies, money transmitters, international banking organizations, and bank holding companies conducting business in Georgia.  Visit us on the Web at:http://dbf.georgia.gov/

###

Associated Document(s):  C&D_Dyck-O'Neal.pdf

http://www.georgia.gov/00/press/detail/0,2668 ... 4530617,00.html

Shannon Emery is their in house attorney. They have him call the consumers before they file suit.

Calling often and tying up answering machine...

just called me (well him) I not him.
this dead beat must owe dozens of people I keep getting calls from all over the place for him

Can DYCK O'NEAL put this on your credit statement and affect your FICO?

We short sold a year ago with nothing owed mortgage-wise anymore. At the time, we were told that D-N would come after us for $5000. , 0% and only to pay $50. a month. We paid a few months. They offered a 50% discount 4 months later via phone and mailed letter. I said ok I would have to call them back. I called and emailed and got NO response.

What do I do? We can't afford our FICOs to get any lower. Is it worth paying but what if this is a scam?????

Can DYCK O'NEAL put this on your credit statement and affect your FICO?

We short sold a year ago with nothing owed mortgage-wise anymore. At the time, we were told that D-N would come after us for $5000. , 0% and only to pay $50. a month. We paid a few months. They offered a 50% discount 4 months later via phone and mailed letter. I said ok I would have to call them back. I called and emailed and got NO response.

What do I do? We can't afford our FICOs to get any lower. Is it worth paying but what if this is a scam?????

Yes Dyck O'neal reports to a credit bureau - and not paying will hurt your credit rating.  Get a credit report from all 3 sources and check it out.  You get a free one now once a year from all 3 thanks to a government mandate.

i don't know who this is?

They are trying to collect on a second mortgage from us after we foreclosed on the house. My ex filed for bancruptcy leaving me with this lovely debt. So, if you had a second mortgage that's what this is about. I had no idea we would still be responsible for the second. I've been ignoring letters for 3 years. Today was my first phone call. Good luck.

Today, We receive a phone call from Dyck-O'Neal, Inc. very aggressive, She wants to give all the information, Social security, driver license, and address, I responded that I can not give the information by phone, she insult me and said many bad words.  I have record of all my phone calls, so you can training to your personal in customer service and hire personal with more education

For several weeks now I have been getting calls from this number. I never answer the phone when I don't know the number. I suspect they are looking for someone with the same last name. I don't care. They never leave a message. Big pain.

Junk debt buyer, NEVER HAS CORRECT PAPER work, if you get sued always challenge them, they do not have standing to file a case against you

Making a  monthly payment can reset the statute of limitations on your debt. It can also open you to future litigation.

Never agree to anything with a debt  collector company unless you spoke to an experienced, competent attorney who has your best interest

Dyck O'Neal Inc. attempts to collect 2nd mortgages , promissory notes, balloon notes etc.... Most foreclosures in the US during the great recession were sold based on a credit bid offered by the Lender as they were the only party present at the auction or sale. Therefore it is impossible for most consumers in the US to have any deficiency. The Banks and debt collectors like Dyck want you to believe they have a right that actually does not exist. Dyck is a criminal empire built on bilking consumers out of funds or loans they do not owe. Read about credit bids and fair sales when purchase money is involved.