Collection Technology, also known as CTi, is a collection agency located in Monterey Park, California. Established in 1954, the company engages in a full range of collections activities covering many industry sectors. Collection Technology employs about 150 collectors and is a preferred collector for student loan debt for the U.S. government. In addition, CTi purchases charged off debt that it collects on its own, and acts as a third party collector for finance companies, utility companies, government agencies including court systems, retail credit accounts, cable and cell phone accounts and health care debts.
The Better Business Bureau of Los Angeles lists over 20 complaints against Collection Technology, all of them detailed on their website. Many of the complaints allege that CTi has continued contacting consumers at work after being requested not to contact the consumer at work again. One consumer noted seven phone messages left with her secretary in the course of one afternoon. Another noted repeated calls to her employer despite her agreeing to a payment arrangement. Many consumers state that collectors from Collection Technology have told them that company policy prohibits them from providing details about the debt being collected until after the company has received a first payment on a payment plan. Others report being told that their wages would be garnished that very afternoon if payment was not made immediately.
Aside from student debt complaints, a number of consumers complained that they were being contacted for debts to which they have no connection. Some of them had attempted for several months to prove that they were not the person being sought and alleged that they had been belittled, insulted and threatened with further collection activities. In those cases, the consistent response from Collection Technology was an apology for the inconvenience coupled with a plea for understanding that many people attempt to get out of paying legitimate debts by claiming they are not the person being sought.
Stop Collection Technology Harassment
If you are being harassed by a debt collector, you have the right to dispute your bill under the Fair Debt Collection Practices Act. You have the right to dispute your bill whether you owe it or not, but it’s especially important to dispute your bill in writing within 30 days of the first contact by Collection Technology.
Within five days of first contacting you, a debt collection agency must provide you with a debt validation letter. The letter must include the name of the creditor and the original amount of the debt. It must also inform you that the letter is from a collection agency, and that you have a right to dispute all or any part of the debt in writing within 30 days of receipt of the letter.
Claiming that you are not the person being sought for the debt is disputing the debt. It is not enough to inform a collection agent that they have the wrong person over the telephone. As seen by the experiences of people who complained to the Better Business Bureau, debt collectors may react to verbal statements of denial with accusations of lying. When the debt collection agency receives a formal dispute of the debt, they are obligated by the FDCPA to investigate your claim and inform you in writing of the outcome of the investigation. You can also dispute your debt for many other reasons, including that it has already been paid or settled in another way, but you must respond with your dispute within 30 days of receiving a debt validation letter.
If the 30-day window has already passed, it may help to get someone else involved. As the BBB complaints show, a complaint to the Better Business Bureau can be very effective in getting a debt collection agency to take a second look at an account. You can also file a complaint with your state attorney general or with the Federal Trade Commission, or contact a lawyer to assist you in getting your dispute resolved.
Collection Technology Contact Information
1200 Corporate Ctr. Dr. Suite 325
Monterey Park, CA 91754
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