Compass Bank / illegal calls
I have a Compass Credit card that ive been paying on for years. Ive paid down considerably a few times, but now im overlimit and the interest reflects that. I am currently 90 days past due on my payment, for the usual reasons.. trying to make ends meet and that is my lowest priority when its feeding my child or being current with those lovely folks. I also, until recently banked with compass. This was mistake number one. as soon as i am even 30 days past due, they look into my bank records and start calling people ive paid through that account, or have been paid by. I run a small business, and having my accounts contacted because of my debt is needless to say, very embarrassing. I am not one to duck out of a debt. I always pay these people, its just the last thing in a pile of actual current bills that id like to keep above water with. So this woman from the collections department, it seems did research for my name on google or something, found the myspace page for my band and started calling my bandmates to get to me! shocking, no? I know this is very illegal. I called and left her a rather heated message today after hearing that she called my mother in law to try to get to me. I know that its these peoples jobs to get paid, but i cant imagine feeling alright about creating so much extra stress in peoples lives, which in effect has the opposite result they are after it seems. I should be working now, but im so upset over this string of harassing phone calls i needed to find a way to deal with this woman. In my message i told her it was both ineffective and likely damaging to Compass to deal with people this way. I know that they have to call me every 5 days when i am past due, but really, calling people that are friends or family or business associates is far too much! I am hoping that my message will have some effect on the depths this woman will go to to try to embarrass me into paying my bill, which is about $3,000. seems that ol' Julie Camp would have much bigger fish to fry than me. the hours she spends researching my life is pretty insane.
Any advice, other than better foresight?
The other issue is the constant overdraft fees due to the way Compass processes their clients debits and credits. Funny how no matter what time you make a deposit, if you had a debit that day, that clears first. These people have made so much money off me, because of the less than honest way they process transactions. In fact, I can pretty much guarantee that if i hadn't been charged overdraft fees because of their interesting methods, i probably wouldn't be so far behind on my credit card! I switched to Chase because they seem to apply credits and debits straight away.. so far no issues whatsoever with them.. and maybe that will help me get back on top, not having those 2 or 3 $36 overdraft fees every month.. when i think how much they have gained on me... its enough to make me want to give up on finance all together... but ill power on, and once my business is thriving, even somewhat, ill make it clear to them that they lost a customer with their below board methods. Until then, im trying to figure out a way to pay off this debt without ever dealing with this woman...
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