On both February 17 and February 18, 2009, this 'Agent' David Carnes was on my home answering machine leaving a message for a person not at this number to return the call. I called the 800 number Agent Carnes left several times only to get a recording 'UBC, please stay on line, etc.' The use of the word 'Agent' in his message is a clear and direct violation of the Fair Debt Collection Practices Act (FDCPA), since it implies he is with a law enforcement agency, though it turns out he is a telephone bill collector.
Complaints have been filed with the Ohio Attorney General, the Federal Trade Commission and the American Collector's Association in Minneapolis, MN concerning this FDCPA violation. Will update this report when those parties advise of any action they have taken in this matter.