Do banks call you late at night to tell you that the payments late??

[tink2dw]

Has this happened to you?? If so please post. I have never heard of this! I'm trying to figure out if this was a legit call.

 

[kaytieeldr]

Define "late". I know collection agencies can only call between certain hours - I don't know if that ends at 8 or at 9, but I'd think the same law applies to collection departments of financial or credit card companies as well.

 

[LetsgoDisney!]

Someone representing Key bank called me when they hadn't gotten my loan payment in December. The guy was a real jerk and basically insinuated that since it was December I bought Christmas presents instead of making the payment. I had never lbeen late before and wondered if it was lost in the Christmas mail. Well, he wanted me to make the payment by charging it to a credit credit which he said would cost even more with bank fees. I was so surprised (and intimidated- it was also either very early or late cause he woke me up) that I started to do it. Then I came to my senses and told him off. I called the loan number the next day and they apologized for him but he was legit. I'd call and ask your bank if they use those kind of practises and let them know you'd gotten the call and how you felt about it. Good Luck,
Donna

 

[cepmom]

I got a call from a company saying "you are late on your Bank of America payment, please give us the last 4 digits of your social security #" I asked for the account # and they said they can not give it out and I needed to give them the last 4 digits of the SS#. When I tell them I will look in to it on my own and call them back, they threatend to take me to court etc, etc...they were very rude and intimidating and treated me like a deadbeat. They called several times with the same thing. I only have one acct w/Bank of America and I knew the payments were not late. Once I finally got to someone in charge, it turned out that they were looking for someone with the same name, different SS# and address. I definately would be calling the bank myself and looking in to the matter.....never give any info to people that call you.

 

[Danemom]

They cannot call after 9 pm and before either 8 or 9 am.

I used to get calls from people who were old "friends" of the people who lived at the address one number off from mine. We live on a cul-de-sac and the numbers do not fall normally, where those people lived right across the street. I had no idea who they were talking about. After 5-6 calls from "friends" I got one from a bank trying to find the same people. It's amazing what they'll do, isn't it?

 

[canwegosoon]

If I had gotten a call, and I knew there was no way I was late (I would hang up on them and call my CC # and check what their records say). If it were a bank matter I would say I will be into my branch tomorrow to research and handle the problem. I would never give out any personal information on a phone call. You would be so suprised to find out what is available out there. Do you know people can buy names addresses and birthdays( for a few cents each). Not much more info needed to do a lot of damage.

Sorry if anyone works for surveys/telemarketing...I always hang up, I pay for my phone, and I will use it as I see fit.

 

[becky7953]

I had someone call me to remind me about a Dr. appointment at 10pm!!! I did mention it to the Dr. and he wrote it down to investigate. He has another company do the reminder calls. Call your bank talk to them.

 

[disneygoof]

Scammers have been known to call in the middle of the night hoping to capitalize on your incoherence and trick you into giving id info that you would be less likely to share in the daylight. Soc, credit card, etc. I hope you didn't give them any info, but if you did, follow up and cancel your card immediately.

 

[budbeerlady]

I had a repo team show up in my driveway at 11:30 one Saturday night. They were looking for a trailer and a truck to repo from this bank. The person they were looking had my maiden name but was 47 and from a town about an hour away. They apologized after scaring the daylights out of me. (think big repo man, with a broken leg in passanger side and bigger man driving.) And they told me they run it through a people finder program and since I had the same name and a near enough address it spit me out. This program obviously doesnt give them ages or much info. At the time she would have been a good 24yrs older than I. Looking back I probley should have called the cops about it to complain, but they werent rude and were nice after they realized it obviously was the wrong person. So check it all out, they can be really nasty!

 

[etwinchester]

I had a company call me on Sunday night at 9:00 pm. My payment was only a week late but had to be due to husbands unemployment check.

This company apparently doesn't understand english. I told them I put the check in the mail on Friday (which I gave him the check #). He then asked if I wanted to make my payment over the phone. Hello? Why would I make a payment over the phone when I just told him I mailed it Friday and gave him the check # and amount it was for. I had to go through this 3 times and I finally got nasty to him and asked him what part he didn't understand. Who do they get to make these calls???

 

[madge]

Scammers have been known to call in the middle of the night hoping to capitalize on your incoherence and trick you into giving id info that you would be less likely to share in the daylight. Soc, credit card, etc. I hope you didn't give them any info, but if you did, follow up and cancel your card immediately.

we had that happen a couple of weeks ago--our phone rang at 1am, and we were so out of it asleep, we didn't realize that the phone was even ringing The people that called left a voice mail, about an exciting opportunity and left a number to call back. It was VERY strange, and needless to say, we did NOT call back, LOL

On an unrelated note, we got our 16-year-old son a cell phone for his birthday. Within 24 hours of activating the number, he started getting calls from 3 separate collection agencies looking for Stephanie Moore. Apparently, Stephanie owes some big bucks to some people...unfortunately, it's next to impossible to get them to stop calling my son. VERY frustrating.

 

[weirdguy]

I have never had a CC company, or any other, call me late at night or normally weekends. I did use my CC to purchase a tv from Sears though on-line a few weeks ago on a Sunday and Sunday afternoon they were calling to verify that I did indeed want the purchase to go through as I had never used the internet with that card before.

I was happy they were so on top of it. They didn't ask for any personnal information, they just verified my identity and made sure I was using my card for purchases.

If someone calls late at night tell them you'll call back to the number on your card and get patched back to them, if they're legit.

 

[mrsboz]

I thought that this was weird. It wasn't at a weird hour, but weird. While we were in Hershey Park this summer we ended up at the hospital with my five year old. After waiting an hour, I inquired as to how long we would have to wait, we were told five or six hours. I went outside and called my doctor back and he said to try to wait it out and see if she got any worse he thought it was an allergic reaction. Long story short, we decided to go back to the hotel and not wait six hours. I spoke with the triage nurse and she said don't worry we will just throw the paper work away like she was never here. Now four months later they called and wanted her social security number. I told them that I would not give it to them. They said that they couldn't close her account without it and that they couldn't bill the insurance company. I told them that she wasn't seen and therefore the insurance company shouldn't be billed. I told her that I wasn't trying to be difficult but that I refused to give out her social security number. I asked to speak with her supervisor but no one was available. She said that this probably wouldn't be the last time that I heard from them????

 

[Jodi3530]

we had that happen a couple of weeks ago--our phone rang at 1am, and we were so out of it asleep, we didn't realize that the phone was even ringing The people that called left a voice mail, about an exciting opportunity and left a number to call back. It was VERY strange, and needless to say, we did NOT call back, LOL

On an unrelated note, we got our 16-year-old son a cell phone for his birthday. Within 24 hours of activating the number, he started getting calls from 3 separate collection agencies looking for Stephanie Moore. Apparently, Stephanie owes some big bucks to some people...unfortunately, it's next to impossible to get them to stop calling my son. VERY frustrating.

This happened to us with a cell phone we just went back to where we got it from and told them and they gave us a new number. They said sometimes a number gets back into the system to fast and whoever canceled it is still getting calls and that they were sorry this happened. It was much easier to do that then deal with collectoin agencies using our minutes. Hope this helps.

 

[dcfromva]

Apparently, Stephanie owes some big bucks to some people...unfortunately, it's next to impossible to get them to stop calling my son. VERY frustrating.

madge,

I had a similar problem with a new cell phone number. I kept telling them that is was a wrong number (for months and months). I didn't know the individual they were trying to reach and obviously had no information on the individual. It was like they were deaf. They would continue the conversation with, "If you would just give a number to reach _______, then we wouldn't call you...."
Finally, I asked for the name of the individual and the company they represented. They asked why and I told them I was filing a complaint with the FCC. The other individual laughed at me...
So, I did a little research. It turns out that credit folks are governed by the FTC and there are lots of rules which cover their conduct (who knew?). I filed a complaint with the FTC. The FTC was very responsive and called me back within a few minutes to take down a little more info. (They are looking for statistical trends. The more complaints they get, the more chance that they will take action). When the company called me again, I asked for the individuals name and company they represented and they hung up on me before I could copy all the info. So, I called back and asked to speak with a supervisor. I explained what had happened and that I intended on filing a complaint for each and every occurance in which they called back. I can't say for certain if it has worked or not, but so far I have not received a call from them since August...

ftc complaint

FTC rules for credit

(Good luck to you)

-DC

 

[babytrees]

We keep having it happen---espescially since the place where our car loan is held has changed hands....this last month they called at just shy of 9:00 with the dumb automated caller on a Sunday night....now we had financial trouble earlier in the year since then we have made sure the payments are paid in person on time. So I checked my checking acct. and lo and behold the check had gone through on Friday and they had no record of it...I will be so happy when this car is paid off!!!

 

[Danemom]

Scammers have been known to call in the middle of the night hoping to capitalize on your incoherence and trick you into giving id info that you would be less likely to share in the daylight. Soc, credit card, etc. I hope you didn't give them any info, but if you did, follow up and cancel your card immediately.

I've never had a scammer call after personal info, but I did win a free subscription to "High Times" magazine at about 3 am once! I had never heard of it and it took me a few years to understand the "joke".

 

[Lyn5]

madge,

I had a similar problem with a new cell phone number. I kept telling them that is was a wrong number (for months and months). I didn't know the individual they were trying to reach and obviously had no information on the individual. It was like they were deaf. They would continue the conversation with, "If you would just give a number to reach _______, then we wouldn't call you...."
Finally, I asked for the name of the individual and the company they represented. They asked why and I told them I was filing a complaint with the FCC. The other individual laughed at me...
So, I did a little research. It turns out that credit folks are governed by the FTC and there are lots of rules which cover their conduct (who knew?). I filed a complaint with the FTC. The FTC was very responsive and called me back within a few minutes to take down a little more info. (They are looking for statistical trends. The more complaints they get, the more chance that they will take action). When the company called me again, I asked for the individuals name and company they represented and they hung up on me before I could copy all the info. So, I called back and asked to speak with a supervisor. I explained what had happened and that I intended on filing a complaint for each and every occurance in which they called back. I can't say for certain if it has worked or not, but so far I have not received a call from them since August...

ftc complaint

FTC rules for credit

(Good luck to you)

-DC

Thank you so much for this info. For about 6 months I have been getting phone calls for DH's family with the same last name....I used to say noone by that name lives here and I hang up. Then, I started to ask for their name and company also, ask them to remove me from any lists and then I hang up. Now, I think I will add in the FTC angle. Why do they call me? Do they just call anyone with the same last name/town and hope to get lucky? It is so annoying and rude. Sorry for the vent, but they either call all the time, every day or the monitor my home and know when I am there!

 

[kittymasi]

No, a bank will not call you in the middle of the night! Most banks outsource call centers in India, so any time you place a call to your bank after hours, you are talking to someone that isn't local... but they are never allowed to call you after 8 PM, YOUR time. We have had NUMEROUS complaints in the last few months of people calling our customers, asking for personal information like last 4 digits of SSN, account numbers, cc numbers, etc. These are all smammers. Do not give it to them! Give them NOTHING. They will call and say things like "your payment is late" to intimidate you, and will do everything possible to get what they can. Hang up on anyone that you don't know personally, and call your local bank branch in the morning. Even if they are legit, you should report it if anyone calls you in the evening.

 

[madge]

madge,

I had a similar problem with a new cell phone number. I kept telling them that is was a wrong number (for months and months). I didn't know the individual they were trying to reach and obviously had no information on the individual. It was like they were deaf. They would continue the conversation with, "If you would just give a number to reach _______, then we wouldn't call you...."
Finally, I asked for the name of the individual and the company they represented. They asked why and I told them I was filing a complaint with the FCC. The other individual laughed at me...
So, I did a little research. It turns out that credit folks are governed by the FTC and there are lots of rules which cover their conduct (who knew?). I filed a complaint with the FTC. The FTC was very responsive and called me back within a few minutes to take down a little more info. (They are looking for statistical trends. The more complaints they get, the more chance that they will take action). When the company called me again, I asked for the individuals name and company they represented and they hung up on me before I could copy all the info. So, I called back and asked to speak with a supervisor. I explained what had happened and that I intended on filing a complaint for each and every occurance in which they called back. I can't say for certain if it has worked or not, but so far I have not received a call from them since August...

ftc complaint

FTC rules for credit

(Good luck to you)

-DC

wow! that's very interesting. In the 6 weeks since he's gotten his phone, 3 companies have called. One of them was more than happy to remove his number from their list and they haven't called back. The second was a little tougher--I stressed that they could call the cell phone comapny and verify when I activated the number, and at that point the supervisor explained that wouldn't be necessary and they would remove the phone number. The third has been slightly more persistant. If they continue calling this week, I might take this approach.

It's been a valuable life lesson for us, though. Until this experience, my son had no idea what a collections agency is....a good time to stress the importance of paying your bills on time