In accordance to the FTCPA (Fair Debt Collections Practices Act) which is governed by the FTC and is also mandated by ANY crediting agency(ie. banks, merchants, schools, etc... ) no creditor can call any consumer regarding anything (unless specifically told to do so by the consumer) prior to 8am or after 9pm at the consumers time zone. Also, if specific times for contact were provided by the consumer, that is the only time any creditor can call. Further more most states have exact laws on contacting a consumer at work, and the most any state allows is 2 times a week IF THERE ARE NO OTHER VALID CONTACT NUMBERS!!!
If at any time the consumer and/or the place of employment states do not call-especially if the calls will jeopardize their jobs, the creditor must cease all calls immediately and list as such.
Contact AZ Dept of Financial Institutions at 602-255-4421 or 800-544-0708 and the AZ State Attorney Generals office to file a formal complaint.
I am a collections agent for a national collections agency and I was a bank operations specialist for 10 years with a major interstate bank. I too have a plethora of problems with Compass. They will continue to screw people, they practice 'breakage' techniques. This is where they will bounce you between departments to resolve issues, then never come through on promises, illegally charge NSF, OD and service charges because they figure the consumer will become frustrated and 'give up'. Bank rule #1 there is no problems with anything until someone says there is. Please file a complaint-either agency will walk you through the how too's.