Product: Debt collection

Regarding previous complaint of XXXX The Respondent persists in illegal debt collection practices. 

The State of Washington is " Two-Party Consent '' state for the purposes of recording calls. That means that both parties to a communication must consent before it can be legally recorded. ( In previous complaint with Respondent, I have provided them with direct citations from the Revised Code of Washington. ) I have never given them permission to record a call. In fact, at the beginning of every attempt to contact them, I inform them that I explicitly do not consent recording. However - as they admit below- they always record our phone calls. 

Any recordings they have made are illegal. Any attempts they have made to speak to me on a recorded phone call are illegal. Excluding these illegal attempts, they have not " been speaking to this person since XXXXXXXX XXXX XXXX. '' The Respondents also claim that they have " sent 8 letters ( non [ sic ] of which have been returned as mail return ). '' Of course, that has nothing to do with me. I only know that they have tried to reach me by phone, but only illegally as described above. I may speculate that they sent these letters to my former address. The Respondent may benefit from learning of Registered Mail, a service of the United States Postal Service that assures a piece of mail is actually received. Confirming that their outgoing mail is indeed received by their targets would appear to be essential for their business. 

At any rate, I have not received any written communication from Respondent. It is impossible for me to respond to communication I have not received.

Finally, Respondent alleges " this consumer simply wants to get out of paying their bill. '' This is emblematic of the illegal and unethical business practices of this firm, flaunting their legal requirements and disclosure requirements. To wit, they have not disclosed * the name of the alleged debtor * the name of the creditor to whom the credit is owed * the amount of debt * itemization, or any description whatsoever, of the debt owed, such as dates * my name or mailing information In Washington state, the Respondents do not have the right to record communications without the consent of the second party. Yet they write that they always " record their calls and will not make exceptions for consumers who request so. '' Their stance is that following the law is " an exception '' from their normal business practices, and one they do not intend to make. More gravely, mere ignorance of the law or incompetence can not be claimed, because I have provided them with the relevant law, namely Revised Code of Washington 9.73.030 ( 1b ) " Private conversation, by any device electronic or otherwise designed to record or transmit such conversation regardless how the device is powered or actuated without first obtaining the consent of all the persons engaged in the conversation. '' They are acting in direct defiance of the law. This must be stopped. 






The entirety of Response to my original Complaint : " In response to the complaint submitted-we disagree with the statements that are presented. Yes, we do record our phone calls and will not make exceptions for consumers who request so. We have been speaking with this person since XXXXXXXX XXXX XXXX  at which time they continue to refuse to pay for the services that were rendered. We have sent 8 letters ( non of which have been returned as mail return ) and this consumer simply wants to get out of paying their bill. We will continue to attempt to seek payment and use the court system to continue our efforts. ''