In July, when I signed a lease agreement with Aaron's Lease, my account was set up for monthly draft. In late November, I switched banks and received a phone call from Aaron's collection rep requesting a payment for November, as I did not change banking information with the company. I provided my new banking information and remained on the phone while my payment was processed, and I also gave consent for this new account to be drafted in accordance with the terms of my agreement.
In December, my family and I moved and failed to provide the new address to Aaron's. When arriving to work today, I was called in for a meeting to discuss and be warned in relation to company policies in regards to the inappropriate manner in which Aaron's has been attempting to reach me through my job. I was informed that Aaron's had left several door hangers with my name on them and request for contact in the office and in the building which is also shared by a bank, an attorney's office, and our financial group.
Numerous calls had been made to my sales manager's cell phone, a phone number that I never gave or listed as a reference, and that faxed copies of my lease agreement displaying my personal information--address, social security number, income amounts for me, living status, ie, rent or lease and landlords name and number with the amount of payment, spouse's information and social, job address income, work address and employer--had been coming into the company's open and community fax area for the entire week.
A coworker informed me of this prior to this meeting, also stating that a client and former neighbor, who used to be a friend of mine, had called in and complained that Aaron's had left a hanger on her door with my name and information. I spoke with this neighbor the night before and was aware of this. As I was receiving this information from my district manager, I was called from the meeting to the reception area by the administrative assistant, because another representative from Aaron's was in the office with more door hangers and was asking for me.
I asked the rep. to follow me to the elevator and outside when I began to immediately stress to him that this is my place of business and that they could not come there nor call my managers. I told the representative that I called the bank the night before when I found out that they left a hanger with my name on it at a neighbor's house and was aware that there must be a problem with the draft because the bank said that no attempt had been made to draft from Aaron's after the last payment I had made when giving my new account information in early December. I explained to the rep that I was in trouble with my job because of the way they were trying to contact me.
The rep apologized and said that he was not from the store where I had the agreement but that he would call the manager for me on his cell phone. When the manager, Scott **, answered the phone, I stated my name and said that I needed to resolve whatever the issue was with my account, I could update information and that I was at work and in great trouble due to the way they were trying to reach me. We reviewed the December payment, and then he explained to me that they can no longer authorize drafts by phone, that they used to do it that way but now needed an imprint of my card for continuous drafts.
I requested the amount due and stated that I could pay it by card as soon as I got out of the office. I asked why they did not mail something to me, that my mail has been forwarded. And he said that they do not do that, that they could not reach me by phone and knew I moved. He asked for other numbers and wanted to get a collection rep on the call to talk about the December billing.
I informed him again that I was at work and that left a disciplinary meeting to handle this and explained the disciplinary meeting was about their calls and faxes. I told him I would come in later and clear up the issue with the card, that I was aware that they couldn't reach me, because my cell phone had been off for a little while and we had a new number.
I then asked how he was going to handle the inappropriate manner in which they were calling my job and making trouble for me at work. Scott began to tell me that he had sent the fax, instructed the reps to come out to my job, found my new address through forwarding mail in my mail box at the old address, and would call whoever and do whatever he had to do in regards to people like me who do not pay their bill on time.
I asked Scott if he was aware of collection laws and ethics and if he knew that he could not fax my personal information to an open community fax nor harass or give details of my account to people who knew me. He said he had called my son's daycare and talked to people about me there, called my boss and would continue in anyway necessary, because I should pay on time and should have told him I moved.
I again told him that I would pay the bill or they could run my card at this time, but that I would also be seeking action for his behavior, because I felt he was harassing me. I told him that I would pay what I owe or return the TV. Scott stated to me that he had just came in the office from court and that he deals with people like me everyday, to go ahead and keep the TV, and he'd be glad to see me in court. I asked him what he meant by "people like me," and he said, "You, people just like you, I should call the police and send them to your job and have you hauled off."
At that time, I informed him that my close friend is a DA in the county, and if I lost my job behind this, I'd be seeing him in court for this behavior. He told me that he was going to send the police to my job and have me hauled off for stealing. I told him if that happened, I would see him in court and then ended the phone call and told the rep that I would call into the office and make the payment and then go in on the weekend and provide the card and to please not return to my job, call my managers, fax my information or talk to people at my son's school about my account.
When at home this evening, I opened the patio door on the deck of my house to let the dog out and thought that I saw someone standing on the deck in the shadows. I let the dog out, cracked the door, and continued working on my laptop with my back to the door when Scott began pounding on the back door and stuck his head in the doorway to the house. I jumped up, as my kids began to scream, because he had started to come in the patio door, and instructed my children to go upstairs and get their father, as I asked who he was and why he was on my back deck in the dark. He identified his self as Scott, the manager from Aaron's, and stated to me that he could come anywhere on the property that he wanted and knock on any door or window he chose.
I asked him why he didn't ring the bell on the front door or the bell on the side door where the porch lights are. He told me again that he could knock where he wanted and chose which entrance to my home that he wanted, according to the agreement I signed. I put my hand up, as he was stepping forward to enter my home and told him to get off my porch and go to the front door, that he was scaring me and that I was going upstairs to get my husband. When I said I was getting my husband, he smirked as if he thought I was home with just the children.
He went to the front door and rang the bell. Again, I answered and asked him why he scared me and why he didn't use that door initially rather than walk through the yard to the back-wooded area. Again, I asked him to step back until my husband came, because he smelled like alcohol. He said he hadn't been drinking and that he didn't know the DA I mentioned earlier, and that I had made that up. I shut the door and got my husband.
When my husband came to the door, he also asked him why he was on our deck in the dark, stated that he smelled like alcohol and that his pupils were large. He asked him what was wrong with him, as his pupils were huge and he was loud. Scott stated that it was people like us who were his problem, people who don't pay.
My husband offered to make the payment and told Scott that he wanted him to leave, but Scott said that he would not take the payment and that it was too late for all that. We began a discussion about how it is only one payment that is due and one pending in a few days. Rather than have the situation escalate, I told Scott to get away from our door, that I was calling the police, and then instructed the other salesman who was in the yard to come in and get the TV.
Scott began to tell me that he didn't care and he'd take a breathalyzer test. While the other salesman was breaking down the television, I called the police and was instructed to have them wait to take it outside until an officer arrived. The officer came out and did a alcohol test on Scott and filed a report, and I allowed the unit to be removed from my home. I called the office where I rented the TV and tried to find out information as to who's Scott's manager was but was told that he runs the store and there is no one above him.
Later that night, upon checking my bank account, I found that Aaron's had ran and processed a payment for the amount that was due. Mr. ** had told me on the phone that he could not take my payment, as they had to have an imprint of the card, but yet and still he ran the payment prior to 5pm, confirmed the payment, and then was on my back porch at 7pm to collect the TV.
I was not aware that the payment had been made and am now confident that Mr. ** is harassing me. Why did he come to my home if he knew he processed payment for what was due? At this point in time, my concern is not about the loss of the television but rather the strong-arm harassing techniques used to get in touch with me and the harassment, embarrassment, and humiliation I've received in my experience with Aaron's.
My personal identifying information as well as my husband's has been faxed numerous times to a community fax machine. I have 6 copies from the last 2 days presented to me by my district manager from today alone, and agents in my office have left copies on my desk, my sales manager was contacted numerous times on a cell phone number that I did not provide to this company, which may be a bill that I should not have to incur, staff at my son's school are complaining to me about calls from Aaron's and are now privy to information that should have been private.
I have only been on my job for one year and have just entered into management. And now, I have a disciplinary mark on my file for door hangers, harassing calls and visits, and personal faxes from Aaron's. At what length will this company go for contact and collection? And the sad part is that I offered to settle the balance that was due, had previously given a method of automatic payment, and simply requested they use ethical practices in their efforts to reach me.
If Mr. Scott ** is the final voice of Aaron's, I feel that someone should look out for and at the least warn the consumers they serve, that in doing business there, if they can't reach you, you may lose your job, everyone you know that they can find will know your business, and they will subject you to identity theft.