Transcript of Call between Robert Paisola, CEO of Western Capital and The Success Training Network and Mr. Christian Andrews on the 23rd of August 2006 Regarding GMAC ABUSE of Re-Aging his Account after 7 years - A Magical Insurance Payment "Appeared" AFTER 7 YEARS!
UPDATE! GMAC ERASED THIS ITEM FROM HIS REPORT AFTER ROBERT PAISOLA AND WESTERN CAPITAL GOT INVOLVED! JOIN THE VIP PROGRAM NOW!
MR. PAISOLA: This is Robert Paisola of Western Capital. The time is 10:05 a.m. on Wednesday, August 23rd, 2006. Today we're speaking to one of our clients, Christian Andrews.
Good afternoon, Mr. Andrews. How are you?
MR. ANDREWS: Fine. Thank you.
MR. PAISOLA: Would you tell us your situation that you're encountering with GMAC? Tell us something.
MR. ANDREWS: Well, yes. Back in 1997, I had a car that was repoed. And currently, on my credit report, GMAC is showing that it was trying to stop in August of '06. So just recently, it was trying to stop after nine years later.
MR. PAISOLA: So they repossessed your car in what year?
MR. ANDREWS: 1997.
MR. PAISOLA: And now, what they've done is, they put it back into their system and re-aged the account so that it now shows up as a new delinquent account; is that what I'm hearing?
MR. ANDREWS: Right, correct. And also, on my investigation, I get to experience that they showed that it was updated and as being mine to this day, still. So basically, they are re-aging the entire tradeline after saying that it's like a new one.
MR. PAISOLA: Interesting.
MR. ANDREWS: Yes.
MR. PAISOLA: Well, that seems to be the common practice of a lot of people these days. And one of the things that we found is that, yeah, it is temporarily successful. But what it does is that it puts you, the consumer, in the position of having to be held hostage for literally another seven to ten years.
MR. ANDREWS: Correct.
MR. PAISOLA: And that doesn't work for us.
So tell us everything you've done so far to try to remedy this problem yourself.
MR. ANDREWS: Okay. ^CHECK After I have pulled out my car in the impound and sold it, it was still on there after seven years. I went to CARFAX, and I got my CARFAX details. I affirmed it.
And on the CARFAX paper, it said “estimatedly pawned 12/8/96 to 11/19/97.” And then to the right of that, it has all the information and it says, “On 11/19/1997, the car was sold at auto auction.”
MR. PAISOLA: Okay.
MR. ANDREWS: And it was sold to someone in Texas.
MR. PAISOLA: And that was in 1997?
MR. ANDREWS: Yes, correct. It was sold.
MR. PAISOLA: Okay. So you have a CARFAX report. Well, obviously, the first thing I want to do is provide our listeners around the world with a copy of that. So I'm going to ask you to email me a copy of that, so we'll post that on our website right with this call.
MR. ANDREWS: Okay, sure.
MR. PAISOLA: And with that way you will be able to clearly see to our readers and listeners exactly what you're speaking of.
Now, understand clearly that a creditor, whether they are a first-party creditor or a second-party creditor, has a limitation on how long they can put something on your credit report. They can't artificially go back, especially with the evidence that our dear client has, and re-age the account and hold him hostage to pay off a balance.
Now, I assume that you're getting calls now from a collection agency; is that correct?
MR. ANDREWS: Actually, I'm not. No. This is a ^CHECK credit report only.
MR. PAISOLA: Okay. Have you contacted GMAC directly?
MR. ANDREWS: No, I haven't. Not yet.
MR. PAISOLA: Okay. Maybe what we should do is contact GMAC. Do they have a phone number? Is there a phone number some place that they have given you on the time of your report?
MR. ANDREWS: It says, “No phone number available.”
MR. PAISOLA: No phone number available. Okay. What we are going to do is, we are going to put the call on hold for a second, we are going to do a little behind-the-scenes research, and we'll be right back.
MR. ANDREWS: Yes, sir.
MR. PAISOLA: For Western Capital, this is Robert Paisola. We're now on hold.
(Phone conversation put on hold.)
We're back on line now. During the past few minutes, we have taken some time to look up some information. Actually, what we would have to do is put up the archives our company called “art of credit,” and we looked and found some information.
GMAC lists their information as address only, which simply means they don't want the phone numbers. They don't want the phone numbers given out; they don't want to deal with individuals.
Well, it's interesting when they're controlling people's credit, they choose out of dealing with the people they're writing off or showing charge-offs to.
So we went back to our archives and found GMAC at the GMAC Asset Recovery Center, PO Box 901009 in Fort Worth, Texas 76101-2009. The telephone number is 1-800-241-0172.
So what we're going to do now is we're going to get them on the phone and see what they had to say about what's been going on.
We'll be right back again.
(Contacting GMAC.)
VOICE PROMPT: Thank you for calling the GMAC Asset Recovery Center. For quality assurance, this call may be monitored.
(Spanish service.)
Our menu has changed. Please select from one of the following options. If you know your party's extension, press 1. If you receive the letter from GMAC reflecting a balance due, press 2.
MR. ANDREWS: Robert, are you there?
MR. PAISOLA: Yes, we're here.
MR. ANDREWS: All right.
VOICE PROMPT: If you're calling for a credit reference or credit bureau inquiries, press 3. If you're calling about your bankruptcy account --
(Number pressed.)
VOICE PROMPT: For credit bureau inquiries, for dispute, contact the credit reporting agencies as follows: Equifax at 1-800-685-1111, TransUnion at 1-800-888-4213, or Experian at 1-888-397-3742.
If you have already filed a dispute with the credit reporting agencies and would like to speak to a GMAC representative, press 1. Thank you.
MR. PAISOLA: We're now pressing 1.
(Number pressed.)
MR. PAISOLA: When do we count 1 ^CHECK payment? Boy, when was the last time they answered?
(High-pitched sound ends call.)
MR. PAISOLA: Wow. Well, we're going to call them back again.
MR. ANDREWS: Okay.
MR. PAISOLA: Let's see if we can get through. I'll definitely ask some comments on this from you.
(Contacting GMAC.)
VOICE PROMPT: Thank you for calling the GMAC Asset Recovery Center.
MR. PAISOLA: Mr. Andrews?
VOICE PROMPT: For quality assurance, this call may be monitored.
MR. PAISOLA: Okay.
VOICE PROMPT: (Spanish service.)
Our menu has changed. Please select from one of these following options. If you know your party's extension, press 1. If you received the letter from GMAC reflecting a balance due, press 2. If you are calling for a credit reference or credit --
(Number pressed.)
If your account with GMAC is a lease or SmartBuy account with excess mileage and/or excess wear charges, press 1 now. For all other accounts, press 2 now.
(Spanish service.)
(Number pressed.)
If your account begins with 021, 061, or 085, please press 1 now.
(Number pressed.)
Thank you for calling GMAC. Our office hours are Monday, Thursday, and Friday from 9:00 a.m. to 7:00 p.m. Central time; and Tuesday and Wednesday from 1:00 p.m. to 10:00 p.m. Central time. Please call back during these hours.
Thank you.
(Spanish service.)
(Number pressed.)
MR. PAISOLA: This is amazing. I do not believe what I'm hearing.
GMAC is almost making it impossible for the consumer to get ahold of them.
Is that how you feel, Christian?
MR. ANDREWS: Yes. ^CHECK, you said so.
MR. PAISOLA: Yeah, I feel the same way. Well, why don't you try one more time, and play with them until we get through to some human being, if we can. This is getting fun.
(Contacting GMAC.)
VOICE PROMPT: Thank you for calling the GMAC Asset Recovery Center. For quality assurance, this call may be monitored.
(Spanish service.)
Our menu has changed. Please select from one of these following options. If you know your party's extension, press 1. If you received the letter from GMAC reflecting a balance due, press 2. If you are calling for a credit reference or credit bureau inquiries, press 3. If you're calling a Metrobank ^UNCLEAR account, press 4.
Please note that you must make a selection. Thank you.
(Number pressed.)
If your account with the GMAC is a lease or SmartBuy account with excess mileage and/or excess wear charges, press 1 now. For all other accounts, press 2 now.
(Number pressed.)
If your account begins with 021, 061, or 085, please press 1 now. All other accounts, please press 2.
MR. PAISOLA: We will try another account.
(Number pressed.)
TELEPHONE OPERATOR: GMAC, how may I help you?
MR. PAISOLA: Is this a real person?
TELEPHONE OPERATOR: Yes, it is.
MR. PAISOLA: Oh, my gosh.
TELEPHONE OPERATOR: Hmm.
MR. PAISOLA: What an honor.
TELEPHONE OPERATOR: How can I help you today?
MR. PAISOLA: Is this the asset recovery center in Fort Worth?
TELEPHONE OPERATOR: Yes.
MR. PAISOLA: Perfect. Ma'am, my name is Robert Paisola. I'm calling on behalf and with Christian Andrews. He's a person who's had a problem with GMAC in the past, and I wanted to give you an account number and how do you pull it up.
What is your name?
TELEPHONE OPERATOR: My name is Kerry.
MR. PAISOLA: What's your last name, Kerry?
TELEPHONE OPERATOR: Amos.
MR. PAISOLA: And what is the Federal Express ^CHECK down there?
TELEPHONE OPERATOR: Actually, we don't have FedEx ^CHECK to our office. It goes to a different address.
MR. PAISOLA: Okay. Is there a direct number for somebody to call without going to the 1-800 number to get to your asset recovery center?
TELEPHONE OPERATOR: Yes. But let me pull the account up. I'll let you know who handles your account, so I can get you the right extension.
MR. PAISOLA: Okay. The account number is 02161266.
Christian, are you there?
MR. ANDREWS: Yes, I am.
MR. PAISOLA: Okay. Great. So hopefully, Kerry would be able to assist us.
TELEPHONE OPERATOR: That wasn't the whole account number. Do you have a Social Security number? ^CHECK
MR. PAISOLA: Okay. Bear with me one second, okay?
TELEPHONE OPERATOR: Okay. Hang on just for one moment. Don't hang up, okay? I'll be right back with you.
MR. PAISOLA: Okay. Thank you, Kerry.
TELEPHONE OPERATOR: Uh-huh.
MR. PAISOLA: Please don't hang up on us either, okay?
TELEPHONE OPERATOR: Uh-huh. Just a moment.
MR. PAISOLA: Thanks.
Okay, Christian, we put you on pause there when I was asked for your Social so just because of confidentiality issues.
MR. ANDREWS: All right.
MR. PAISOLA: But we do have a live person.
MR. ANDREWS: Okay.
(Phone conversation put on hold.)
TELEPHONE OPERATOR: Robert?
MR. PAISOLA: Yes.
TELEPHONE OPERATOR: The person that I need to get you over to -- well, he's not here until 1:00 p.m. because they do handle all of the Pacific and the Eastern state.
MR. PAISOLA: Okay. Yeah, that's what happened. We went to the telephone number. We had to get through all kinds of, well, literally, archives to be able to find here a telephone where we'll reach you. And then what --
TELEPHONE OPERATOR: ^CHECK I can e-mail the supervisor over there.
MR. PAISOLA: Well, who's the director over there? because I want to get their name.
TELEPHONE OPERATOR: The director of the entire --
MR. PAISOLA: Department.
TELEPHONE OPERATOR: -- recovery?
MR. PAISOLA: Yes.
TELEPHONE OPERATOR: It's Andrew Bridges.
MR. PAISOLA: And what's Andrew's direct phone number?
TELEPHONE OPERATOR: Actually, I'd have to give you a secretary's number. She is at extension 6697.
MR. PAISOLA: 6697. What's the secretary's name?
TELEPHONE OPERATOR: Terri Jara.
MR. PAISOLA: Okay.
TELEPHONE OPERATOR: I can give you the unit manager's name who would be handling the account, and I can e-mail him and ask him to call you at 1:00.
MR. PAISOLA: Okay. What's the unit manager's name?
TELEPHONE OPERATOR: His name is Abner Rodruiguez, and he's at extension 6417.
MR. PAISOLA: All right. Let's go ahead and transfer over to Terri Jara. What's her extension?
TELEPHONE OPERATOR: Again, Terri's number is 6697.
MR. PAISOLA: Obviously, she goes directly to Andrews.
TELEPHONE OPERATOR: That's his secretary. Let me see if she's over there.
MR. PAISOLA: Thank you.
(Phone conversation put on hold.)
MR. PAISOLA: Well, Christian, we're getting a lot of good information today.
MR. ANDREWS: Yeah. Right.
TELEPHONE OPERATOR: Robert, bear with me a minute. I'm going to try to get you to the manager under Andy, under Andrew Bridges, because he's gone the rest of the weekend, I am told.
MR. PAISOLA: Okay.
TELEPHONE OPERATOR: So, I'm going to try to get you over to Mr. Barrett. Hang on.
MR. PAISOLA: What's his first name?
TELEPHONE OPERATOR: Carlos Barrett.
MR. PAISOLA: Carlos Barrett. Okay. Thank you.
MR. PAISOLA: One moment.
(Phone conversation put on hold.)
TELEPHONE OPERATOR: Okay. Hang on. He is not answering. Let me see if I can get you through. Just a minute.
MR. PAISOLA: Thank you.
(Phone conversation put on hold.)
MR. PAISOLA: This is Robert Paisola with Western Capital. The time is 10:31 a.m. Calling the GMAC Asset Recovery Center at toll-free 1- 800-241-0172, I'm speaking with the staff representative, Kerry Amos.
TELEPHONE OPERATOR: I'm transferring you to Mr. Miller. One moment.
MR. PAISOLA: And what does Mr. Miller do?
(Phone conversation put on hold.)
(Call transferred to Mr. Miller.)
MR. MILLER: Mr. Andrews?
MR. PAISOLA: Good afternoon.
MR. MILLER: Hello?
MR. PAISOLA: Good afternoon. Is this Andrew Bridges?
MR. MILLER: No. This is Travis Miller, unit manager. May I help you?
MR. PAISOLA: Hi, Travis. How are you?
MR. MILLER: Fine. What can I do for you, though?
MR. PAISOLA: So let's hope you're able to assist us. You are a UM there? Are you in the same level with Abner Rodruiguez?
MR. MILLER: Yes, I am.
MR. PAISOLA: Okay. Let me tell you, my name is Robert Paisola. I'm calling with collectionindustrylive.com, also mycollector.com. I have on the phone with me Mr. Christian Andrews, and he's on the line also.
And we were trying to get ahold of Andrew Bridges through Terri Jara's office, and they said that we should talk to Carlos Barrett.
MR. MILLER: Uh-hmm.
MR. PAISOLA: And then Carlos wasn't there, so they transferred us to you, Travis.
MR. MILLER: Okay.
MR. PAISOLA: So, do you have the account pulled up?
MR. MILLER: I do.
MR. PAISOLA: Okay. Let me give you a 30-second version of what's going on here. And maybe you can assist us if you have the ability to. Would you like to hear what we have to say?
MR. MILLER: Yes. Go ahead.
MR. PAISOLA: Okay. The debtor on this account had a loan with you that was repossessed in 1997. You saw that?
MR. MILLER: Yeah. It's here.
MR. PAISOLA: What happened was, the debtor had a balance remaining on his account. That debt has been re-aged. In other words, the date of last activity has been reset to --
Christian, what was the date on that?
MR. ANDREWS: Time of ^UNCLEAR August, 2006.
MR. PAISOLA: August, 2006. Which means, the loan, expired off of his report, was re-aged by GMAC and now shows up as expiring again in approximately 2012. So what has happened is, we have not been able to find any live human being at GMAC that can make this go away.
Now, just for your reference --I'm sure as a unit manager of GMAC in the Asset Recovery Center in Fort Worth, Travis, you have access to the Internet, correct?
MR. MILLER: Yes, sir.
MR. PAISOLA: Why don't you go ahead and pull up collectionindustrylive.com.
MR. MILLER: Okay. Now, give me your full name again, sir.
MR. PAISOLA: The debtor we are calling in regard is Christian --
MR. MILLER: No, no. I know Mr. Christian Andrews.
MR. PAISOLA: Yeah.
MR. MILLER: But again --
MR. PAISOLA: My name is Robert Paisola. That's why we want you to --
MR. MILLER: Spell your last name.
MR. PAISOLA: Robert, ^P-I-A-S-O-L-A.
MR. MILLER: Okay.
MR. PAISOLA: And that's why you probably want to pull that up so you know who you're talking to. Actually --
MR. MILLER: You know, Mr. Paisola and Mr. Andrews, what you all want to accomplish now is get your credit bureau updated to show what?
MR. PAISOLA: Well, actually, here's what we want.
Number one, this issue obviously affects more than Mr. Andrews. But the purpose of this phone call right now, we simply want his tradeline deleted from all three credit bureaus as the law requires. We'll deal with the rest of the issue with GMAC later on. That requires two things. Number one, it requires a letter coming from Fort Worth from the asset recovery center.
MR. MILLER: Okay. Let me ask you this: Mr. Paisola or Mr. Andrews, you want us to delete this tradeline based upon --
MR. PAISOLA: The date of last activity, it's been hypothecated and changed against the law.
MR. MILLER: And you said that the date of last activity --
MR. PAISOLA: Was 1990.
MR. MILLER: -- from this form is, it should be dropped off of the credit bureau is what you're saying?
MR. PAISOLA: That is absolutely correct, sir. And it had dropped off. They re-aged the entire portfolio, changed the date of last activity, and re-added these to this consumer's credit reports.
MR. MILLER: Is Mr. Andrews on the line with us?
MR. PAISOLA: Absolutely, yes.
MR. MILLER: Do you hear me? Okay. What is your number, contact number?
MR. PAISOLA: We need to talk to you right now if we can, because --
MR. MILLER: Well, you're talking to me now. I'm trying to get some information as well as you're trying to get some information.
MR. PAISOLA: Okay. That's fine.
Mr. Andrews, go ahead and give it to him.
MR. ANDREWS: (480) 814-0931.
MR. MILLER: Okay.
Mr. Paisola, you want to share your telephone number?
MR. PAISOLA: Actually, you can reach us toll-free, 1-877-517-9555.
MR. MILLER: All right. Okay.
Here's what we're going to do. If that's the basis of what you're trying to get, it's pretty simple. I'll request in terms of understanding what you're looking for. What we need to do is let's get together and take a look at the bureau and see how all this transpired. Let's see if we can accommodate you all somehow. And if we can, we'll explain to you why we can get that done in no time; fair enough?
MR. PAISOLA: Yes, as long as you're clear on whatever we requested. Because as I said --
MR. MILLER: We just went over just a minute ago. You told me that you want this particular account removed on Mr. Andrews' tradeline because of the date of the last activity. I'm assuming that you're saying it's been over seven years or six years or whatever how many years you're saying; is that correct?
MR. PAISOLA: That is correct. That is part of our request.
MR. MILLER: Very well.
MR. PAISOLA: And the second part of our request is to get a statement from Andrew Bridges as to why the portfolio was re-aged.
MR. MILLER: Okay.
MR. PAISOLA: That's very important to a hundred thousand people. They're listening to this.
MR. MILLER: Uh-hmm.
MR. PAISOLA: Because as you see a collection in this relied. It's very, very important in Western Capital that we make people aware of what's going on. And when you've got billions of dollars of paper moving back and forth, it's extremely important that people understand their rights.
MR. MILLER: Uh-hmm.
MR. PAISOLA: And this thus Christian Andrews has stepped up the play, and we had to go through literal archives to be able to get a telephone number to reach you. That's not fair. That doesn't work. And consequently, that's why I'll be testifying before Congress on this issue in a few months.
MR. MILLER: Okay.
MR. PAISOLA: You see, these are the problems that we have, Travis. These portfolios are absolutely holding people hostage. And I invite you to go to mycollector.com and watch the CBS, ABC, NBC, and CNN news coverage of all the clients that we've assisted throughout the world, including the DDC in England.
MR. MILLER: Okay. Fair enough.
MR. PAISOLA: And also, I would ask you to have Mr. Bridges to go to that site. Because, you see, this is what's happening to consumers, they're being abused. And that's what we do.
So in conclusion, Travis, we hope to make the right decision. We ask that you simply make everything of your decision documented in a written format, so that way we can publish it and we have the ability to be very clear as to where GMAC is coming from. So if you could do that and send that response to simplyrobert@collectionindustrylive.com, that would be much better than calling Mr. Christian Andrews.
Now, Mr. Andrews will tell you this time that it's okay to speak with me regarding this matter, pursuant to policy. And that you'd be able to talk to me at any time regarding this matter in written communication format.
Mr. Andrews, is that appropriate for you? Do you give me explicit permission and my company permission to speak with any member of the GMAC team in resolving this issue?
MR. ANDREWS: Yes, I do.
MR. PAISOLA: Okay. Do you also understand and are you clear that this is being recorded, and that any issues regarding media intervention on this action will be resolved by our office also?
MR. ANDREWS: Yes, I do.
MR. PAISOLA: Okay. Thank you.
All right. Mr. Miller, are you clear of the e-mail address?
MR. MILLER: Yes, sir.
Mr. Andrews, let me just confirm that home telephone or work number again. Please start it by your area code. Mr. Andrews?
MR. PAISOLA: Go ahead. Mr. Andrews, that's fine.
MR. ANDREWS: (480) 814-0931.
MR. MILLER: Okay. Thank you all. I appreciate your calling.
MR. PAISOLA: Thank you so much.
MR. MILLER: Bye-bye.
MR. PAISOLA: Ladies and gentlemen, what you have just heard is a call with GMAC Asset Recovery, listing their address as PO Box 901009 in Fort Worth, Texas. The telephone number you're instructed to call us is 1-800-241-0172.
Now, let's understand and be clear exactly what we've all heard. Andrew Bridges, A-n-d-r-e-w, Bridges is the director with extension via his secretary, it's Terri Jara, at extension 6697.
We also know that Carlos Barrett is a manager who is unavailable. We also know that the person that was supposed to be assisting us on this account was Abner Rodruiguez at 6417. We spoke to Mr. Travis Miller.
Now, pursuing to our request, as always, this call will be transcribed and posted to our website. We'll see what GMAC has to say. But the biggest questions is this, my friends, Have your account at GMAC been re-aged? Have your account re-appeared magically on your credit report? Well, if they have, you can better believe they will be on ABC, NBC, and CBS, just like everything else.
We invite you now to return to our site at www.mycollector.com and again, watch the videos that appear because the people like Christian Andrews -- you see, there's a reason why we, at Western Capital, walked away from $750 million. It's simply because the industry is now morally bankrupt, it's gone.
So, we'll see what Mr. Travis Miller has to say. We'll analyze every single word that Mr. Miller has to say and then we'll move accordingly. But because you have your choice to move forward, ^CHECK you'll create a ground flow in this country which is being noted. And it is my hope that the people at GMAC and Mr. Andrew Bridges are very clear as to what our intentions are in protecting your rights, the consumer.
For Western Capital, this is Robert Paisola. The time is 10:44 a.m., Mountain Standard Time on Wednesday, August 23rd, 2006.
This call will now be archived and transcribed and posted immediately.
Good day.
For Western Capital, this is Robert Paisola.
