Affinity Global Reviews

He only called back once and it was to leave the "claim number" and phone number for the company that supposedly I owe the money to. After that, he quit calling. I called the company, which was Global and spoke with a representative. It was a payday loan company called VIP Loan Shop, which I had dealt with 2 years ago. He told me that they sold the account to Global. He said the full charge was $345 but if I wanted to settle it today, he could take $200 off and make it $145. I told him I was not willing to do that because I remember VIP Loan Shop. When I took out the loan, I agreed to pay one amount which included the interest rate. But when they started taking it out of my account, they took twice the amount that I agreed to and did the same thing the following payday. I wound up overpaying them by over $100.

It was a scam from the beginning. You couldn't reach this company by phone, there was no number available. I had to change my checking account to keep them from stealing from me. My advice to anyone who receives these calls is to disregard them. Advise your friends, co-workers and family that it is a fraudulent third party collection agency that is trying to scare you into paying money that you don't even owe, so just don't reply to them or if you don't know the number, even if it's local, don't answer. Let it go to VM and listen to the message if they bother to leave one. Half the time, they don't even bother.

How can you pay on something for almost 4 years and owe more than what you started with? The bank, when I called to talk to them about all the OD fees, took off two of the payments. But they did say that when they don't adhere to the schedule agreed upon for payment debits and OD fees occur, that "they" are responsible for returning those OD fees. And the only way to get out of electronic debits after putting them in place basically is to shut down the account completely; otherwise, the same situation can happen again, etc. How can you track prior payment history when you have nothing to go on?

She then asked to talk to my supervisor and I told her no. That it was nobody's business regarding my personal matters. She hung up and called back to back at least 5 times. She then talked to one of my staff and wanted to know what the procedures were for legal matters. My employee told her she needed a court order to serve a levy and gave her the H.R. department’s phone number. When she was hanging up, she told her to let me know that she would be at my place of business within a half an hour with the police.

We get income from my social security disability and my wife's work which is not consistent hours. I have a special needs child and this takes a toll on him to. We just don't have anything extra right now and this so called man is threatening to garnish my wife's pay and we need every penny we can get to make our bills.

I told him that I'll see him in court to prove everything and he gets so rude, loud and threatening. I ask for his address and he don't give it up. I paid all my bills for the past 25 years and had a good credit score. We're keeping up on one credit card that we're paying off and he wants me to put the balance we owe on that card. We're barely making that payment and he wants me to put more on that card which would make the payment go higher. Then we wouldn't be able to make that payment.

He just called again but this call came from a man saying this wasn't the same man unless they all sound alike. The number this time was ** from Unionville, Ontario instead of unknown. I also told him that we have a special needs child and we cannot get him everything he needs and we do our best but he didn't care it's not his concern. Now, he says that he's going to call my wife's work and I told him that if he does, she'll get fired or time off without pay. Still he didn't care it's not his problem. He keeps saying that if I don't put what we owe on the other credit card he'll report it as that I'm not willing to co-operate and resolve this issue. He says that he's going to keep calling and today alone he's called four times and that he'll have others call to.

She continued to try a coerce me to pay the $180.00 and I continually told her that I could not afford it. She finally decided to settle on the $50 a month. She then told me she needed my bank account number and routing number to set up the payment. I told her that I did not have my account information on me at the time and that I was in the car was driving and had to call her back. I called her back after I called my boyfriend to retrieve my checkbook and give me my account numbers. Michele told me that the account number was wrong and I realized my boyfriend ended up giving me the wrong account number from an old check book.

I then called him back and he gave me another account number from another check book, so I called Michelle back and gave her those numbers. She then told me that it was still wrong and still needed my routing number. I told her I would call her back when I find it. I was not aware that they even had my account number since I was told that the numbers I gave her were wrong.

As a busy individual, I did not get back to her very soon, and she called and left a message the next day. I still had not gotten a hold of her again to set up any payments within a few days. I then realized two days later, that a Global Credit payment was made out of my checking account for $50 that I had not arranged with the collection agency nor did I authorize any such payment, with that said, I was left with $6.50 in my account to last me for two weeks until I got paid again. I went to my bank and filed a claim stating that this was fraud. And also did a "stop payment" to this company with my bank restricting access to my account but the banker told me that it wouldn't go thru for 5-10 business days and that the investigation would not be recovered until 10 business days.

She then started to raise her voice telling me that we had arranged for the payment for the month of October, (which is a lie) because I made no such arrangement, nor did I even know they had actually gotten my account information yet. I continued to tell her that what she did was illegal and that I wanted to make a payment for two weeks from now, not today.

I then called global credit back and asked to speak with a supervisor or manager, I then was appointed to a man who claimed to be the supervisor, I spoke with him and he said they would conduct an investigation and that they would not take out any more payments until I call them and Authorize it. I also stupidly told him that I had done a stop payment to their company.

I felt relieved that I had hoped the manager had taken care of it, but no, the next day another $50 payment had been made out of my account from them and it overdrew my bank account and now I have no money whatsoever and also negative $75 in my account from an overdraft fee. I called my bank, while crying hysterically, and told them what had happened and they went ahead and filed another claim.

I plan to go to my bank tomorrow and change my bank account and I have to wait and see what happens with the investigations, but personally I don't believe that it will do much good. I feel alone in this and that I am severely limited on what I can do about this. If anyone can help me I would appreciate it, I will not let this go either, I want justice and I want this company to pay the price for what they are doing to us. Please contact me I need help. Yes I want to speak with an attorney.

I told her there was no way that I could pay that much right now, I'm 22 years old, working minimum wage and paying rent for an apartment and also on welfare getting food stamps for my groceries. I told her that I could possibly make payments for $50, but that I could not make any payments until I get paid next. She continued to try and coerce me to pay the $180.00 and I continually told her that I could not afford it. She finally decided to settle on the $50 a month. She then told me she needed my bank account number and routing number to set up the payment. I told her that I did not have my account information on me at the time and that I was in the car driving and had to call her back.

I called her back after I called my boyfriend to retrieve my checkbook and give me my account numbers. Michele told me that the account number was wrong and I realized my boyfriend ended up giving me the wrong account number from an old check book. I then called him back and he gave me another account number from another check book, So I called Michelle back and gave her those numbers. She then told me that it was still wrong and still needed my routing number. I told her I would call her back when I find it. I was not aware that they even had my account number since I was told that the numbers I gave her were wrong. As a busy individual, I did not get back to her very soon, and she called and left a message the next day.

I still had not gotten a hold of her again to set up any payments within a few days. I then realized two days later, that a Global Credit payment was made out of my checking account for $50 that I had not arranged with the collection agency nor did I authorize any such payment, with that said, I was left with $6.50 in my account to last me for two weeks until I got paid again. I went to my bank and filed a claim stating that this was fraud. And also did a "stop payment" to this company with my bank restricting access to my account but the banker told me that it wouldn't go through for 5-10 business days, and that the investigation would not be recovered until 10 business days. I then called Global credit and collection agency and asked to speak to Michele.

Michele then got on the phone and asked me if I had gotten my routing number for her. I told her, "Obviously you already have my routing number since you illegally took money out of my account today without my consent". She then started to raise her voice telling me that we had arranged for the payment for the month of October, (which is a lie) because I made no such arrangement, nor did I even know they had actually gotten my account information yet. I continued to tell her that what she did was illegal and that I wanted to make a payment for two weeks from now, not today.

I then called Global Credit back and asked to speak with a supervisor or manager, I then was appointed to a man who claimed to be the supervisor, I spoke with him and he said they would conduct an investigation and that they would not take out any more payments until I call them and authorize it.

I also stupidly told him that I had done a stop payment to their company. I felt relieved that I had hoped the manager had taken care of it, but no, the next day another $50 payment had been made out of my account from them and it overdrew my bank account and now I have no money whatsoever, and also negative $75 in my account from an overdraft fee. I called my bank, while crying hysterically, and told them what had happened and they went ahead and filed another claim.

I plan to go to my bank tomorrow and change my bank account and I have to wait and see what happens with the investigations, but personally I don't believe that it will do much good. I feel alone in this and that I am severely limited on what I can do about this. If anyone can help me I would appreciate it, I will not let this go either. I want justice and I want this company to pay the price for what they are doing to us. Please contact me I need help. Yes, I want to speak with an attorney.

The agent from Consumer Services wrote in his letter, "We shall retain this complaint and the company's response in our active data base for future reference." When I called to find out exactly that meant, I was not given a clear or meaningful response. I suggested I write a response to Global's letter because it was filled with untruths. I have proof of their actions because I have kept a journal and also recorded their conversations with me. I now have discovered that Global made an illegal debit to my checking account. When I called them, I was told they "do it all the time" and that I could not have a copy of the check I had sent because it had already been destroyed.

I had sent them a check and they claim that it was unsigned and they had to put it through as a debit. My bank calls it fraud. They have launched an investigation but cannot recover the check because it was not processed as a check. I have notified the Ministry of this action and received an email stating they would contact Global regarding this. I have yet to hear further and have sent copies of all my complaints to the new Minister, the Premier of Ontario, the leaders of the P.C. and N.D.P. parties among others.

I have also contacted the RCMP who say because my bank recovered the funds and it was a small amount ($50) they would not pursue it but agreed it was definitely fraud. I also contacted RBC who is the banker for Global and they have launched an investigation. It is interesting to note that it was RBC who placed this loan with Global and who authorized the automatic debit from my account. I have also contacted the Waterloo Regional Police at the advice of my bank who are awaiting the results of the bank investigation. I can no longer make any payments to Global because my bank will not process any payments to them because of Global's illegal actions. The RBC, despite refusing payments from me prior, because the loan was in the hands of Global, now want me to make payments to them. I am unsure how to proceed with this. But, I certainly will not let it go. I am prepared to go public.

Somewhere along the line my bank deleted Global's address from my registry, and that is all I am needing; this is the sole purpose of me contacting Global.. The Capital One people can not/ will not give me Global's address or even a web site. I must call them at this number. at this point, I believe I'd welcome even an extremely rude person, as long as I get to speak to someone. I have considered just mailing payments to Capital One, however I am almost afraid that they would not be credited correctly. So I am still waiting.

It is nearly impossible to get in contact with someone. When given an extension to call, the mailbox is regularly full. On the few times I have actually gotten to speak with someone, I have had to repeat my information, as if it were my first time to contact them. Although I do not want sympathy, I do expect some compassion and assistance/guidance. I don't believe they teach their staff those skills. I was even told by one female associate that she didn't want to hear my excuses.

I will not work with this company. I do online payments with Capital One whenever I can. I am hoping that is enough to keep me from being sued.

I got very upset at this man and said a few choice words to him and hung the phone up. I then called back later and after going to the voice mail full thing several times, I got through. They wanted me to set up a payment plan with higher payments than I was paying Capital One. I would not agree nor will I give them any bank information that they are requesting.

When I did talk to the company, the man was very rude and had me in tears. They threatened legal action against me if I did not pay. With the economy, I have not been able to find a job and I need to stop the debits from coming out. I am willing to send them money every month, but I was told that I could not do that; they needed to debit it from my account.

I spoke with my attorney about filing for bankruptcy and he told me not to. My attorney then told me that I should never have a credit agency directly debit the money from my account and that I never signed to authorize them from taking it out of my account. I keep trying to get a hold of someone to stop this payment from coming out and I cannot get a hold of anyone.

When I tried to explain that I had 2 teenagers and husband who all worked, Craig told me to have the kids help pay the bill "they shouldn't get free ride". Who do these people think they are? When I tried to make payment arrangements, it was never enough. He wanted 1/3 of owed. He said if I would have paid my bills on time, I wouldn't have to deal with him. I told him that was impossible. He stated I needed to prepare for court then. When I asked to talk to whoever was in charge, he stated they would tell me the same thing. I didn't need to talk to them. I ended up hanging up on Craig and contacted Capitol One.

After a year goes by and I get a phone call at my home from ** who makes the phone call sound very serious and did not state that she was from any collection company or otherwise. I called back as soon as possible and spoke to her and that is when she told me that I was now making payment to Global and that if I agreed to pay them, and I had to give them my bank account information, that is the only way that they would stop the interest charges. I told her that I didn't understand and that I was already in agreement with Capital One for over a year. She told me that they never stopped the interest and now they have my account. How stupid I was that I gave them my checking account number and routeing number so they could take out an agreed upon amount of $20.

Then I get a call from **. The number they took down was just one digit off. So I gave her the number again. Then on a Tuesday, April 20, ** called my workplace! She told my co-worker that she was expecting her call. I was in a different office so they gave her the phone number to the office that I was working at that Tuesday. I told her never to call me at my workplace because I work for a physician and could lose my job for personal phone calls while at work. Never call me at work again. They have my home phone number.

On April 23, as agreed, the first $20 was taken out of my checking account. Today April 28, a person named ** calls and tells my co-worker that I am expecting his call. My co-worker tells me I have a phone call. I assume it is a patient. It was ** as he said his name was. He had a very heavy accent and stated that he was from Global and that I have made no attempt to handle my Capital One account. He then began to threaten me with the fact that he has my checking account information and that he knows how much my mortgage payment is and how much I have in the bank and that he will take all the money I have in the bank out. He then continues to threaten me that he will speak to my boss and have me fired.

I told him to never call my job and that in fact they just took out a payment of $20 out of my checking account. He demanded the full payment or settlement or else he is going to sue me. I told him that was fine and hung up on him. Within less than 5 minutes. he was back on the phone this time asking for my boss. They gave me the phone call again. At this point, while at work, I was so upset that one of my co-workers told me to record the conversation. I stated into the phone that I am recording the conversation and ** replied that it is fine and he represented Capital One. He continued to shout at me and would not listen to me. I told him if I had the money I would gladly pay Capital One so that I didn't ever have to talk to him again.

To make matters worse, I am a heart attack survivor and told him that he was upsetting me very badly. By the time I hung up on him for the 2nd time, my office manager and nurse practitioner were ready to call 911 to take me to the hospital. He had me that upset. I do not deserve this harassment. I also told him that phone calls like this could cause me to lose my job. I did agree to make payments to them. I have since today closed my bank account. I am making a good faith effort to make payments while the roofing business is horrible and my husband is barley making a 40-hour work week. He had been out of work with 4 knee surgeries for 2 years and that was the start of the late payments. I have already had a heart attack and stents in my heart. We struggle to make ends meet with medical bills and home life bills.

The funds were not available and I was assessed a NSF fee from my bank. I called Global to talk to a representative and Mrs. L. was extremely rude, negative toned, and yelled at me the whole time I was on the phone with her. When I asked her to calm her voice she screamed more. I am very displeased with this company. I have never had such rude customer service in my life. When I asked to speak to someone less rude, she told me no and there was no one else I could talk to. I even asked to speak to someone specific and she still said no! Global is terrible.

I telephoned Mr. Taboo at 5:00 pm telling him that the banks refused and he said he would have to call his client (Capital One) to see if a payment plan could be arranged.

Mr. Taboo left a message for me at work and also on Monday, 2/4/08 to call him back. I telephoned him at 8:32 pm that day and he gave me two options. which I can not fulfill under the financial hardship I'm in right now. I told him to file the legal action because I could not agree to the options.

Mr. Taboo became irrate and started yelling saying "you have a bad attitude; you are so quick to want to file a legal suit. You have this blase attitude, so you must have money because only people that have money have this blase attitude. You do have the money." When he had finished yelling at me, I calmly told him to put both options in writing and send it to me. He screamed "No, you write me, I'm not going to write you." Then I requested to speak to his supervisor. A Ms. Skanda got on the phone, and said that this was a debt I had to pay. She also told to take out a 401K loan. Then Ms. Skanda told me to file for bankruptcy, I explained to her why I couldn't and that I was going throught a difficult time which most of America is going through. Ms. Skanda then said we are not talking about the economy and what does that have to do with me. I told her that I was an American Citizen who paid my taxes and the economy does affect me. Her voice continued to rise and I told her I could not communicate with her if she was going to yell. She began to shout over and over and over again on the phone "Pay your bill! Pay your bill! Pay your bill!" Then hung up on me.

I then called Capital One and spoke to Ken. I told him that the debt collection agency that they sold my debt to or hired to collect the debt was rude, unprofessional, and belitted me while I was speaking to them and I was filing a complaint against them. He said that my debt was not sold and he was in the same office as the persons I spoke to and he did not hear any yelling. He then transferred me to his manager Mr. Alex Riebeel.

I explained to him what happened and for him to review the tape. I told him I hoped the conversation was taped (the automatic recording said they do) so he could hear the unprofessional and belittling way his employees talked to me. He asked me if I was going to pay the debt. I told him yes. I was aware of the debt and wanted to pay it but I am unable to pay what Mr. Taboo suggested. I also told him that I was filing a complaint against Global with the Dept. of Consumers Affair and writing the Chairman/CEO of Captial One. He said he would call me back.