These folks are the ugly worst. Same as I've read many times over on this site and too many others about their harassing tactics. These people have called my employer, berated them, called my mother, berated her and all for an overdue credit card payment that I had every intention of paying.
I ended up being routed to them when I was trying to make payment arrangements with my CC company - Citi. Since they received a large sum of bailout funds, they have tried to move all of their "bad" debts off their books as part of their restructuring. So after speaking with a "Mrs. Erika Kimble", she made threats after berating me for not paying my bills, threatened to ruin my credit rating and my mother's credit rating, and garnish my wages if I didn't pay the full amount due on my credit card in 2 days. I would have to come up with $2500 in 2 days. After explaining that I would gladly make payments but it would be impossible to pay that large a sum in the next 48 hours, she said she'd knock $1100 off that. $1, 400 and the debt would be settled. When I was asking still if payment arrangements could be made it was "I'm not going to sit here and argue with you, sir! I can take this offer away as quickly as I made it and go after your wages and report this to all your other outstanding loans and bills, have your car taken away and ruin your mother's credit rating." This is a horrible, horrible person, as I not once raised my voice to her in the way that she did to me and my employer and my mother.
I am thinking there is no recourse because my job would surely be in jeopardy if they continue to harass my employer, and whether they can do it or not, I don't want to risk them going after my family. So I will pay this. It hurts to say/type it.
BUT - after researching this company, i do not plan to let it end there. There are THOUSANDS of complaints about this company and their tactics and their law-breaking ways of retrieving funds. They are not afraid of lawsuits, and they are not afraid of attorneys...but I will certainly be contacting my Congressmen in NJ and the U.S. Attorney General's office. There are simply too many complaints out there and nothing being done.
I sincerely suggest anyone else who has gone through a similar experience with GC Services to contact their U.S. Congressman. Each has their own website and e-mail address.
