![]() ![]() ![]() A Debt Validation Letter is the best response as it directs the company to validate your debt within 30 days. Your immediate action should be to send a Debt Validation Letter to the company. The moment you hear the Mini-Miranda, you know you're dealing with debt collectors. Send a Debt Validation Letter to CardWorksĬardWorks will confuse you by claiming it is not a debt collection agency, but then go ahead and read you the Mini-Miranda (a set of statements that a debt collector must read out to you when contacting you to collect a debt). By filing a countersuit, you could receive up to $1000 from CardWorks for each FDCPA violation they committed. If CardWorks used any of the tactics listed above to try to collect a debt from you, then you could be eligible for compensation. Reveals your financial information to unauthorized third-parties.Calls you past 9:00 pm in the night or before 8:00 am.You can also file a complaint if you feel you have been treated in an unfair or abusive manner.ĬardWorks is in violation of the FDCPA if one of their collectors: You can learn more about the rules and regulations debt collectors have to follow from the Federal Trade Commission. Most consumer reviews are staggeringly low.Īs is true for all debt collection companies, CardWorks has a set of rules to follow when contacting you regarding debt. Employees using misleading means to collect a debtĮven though CardWorks has an average-looking 3.8 stars Google review, most positive reviews are from its employees.Claiming to represent the FDIC (a government agency).Not identifying as a debt collector when communicating with them.Most consumer complaints against CardWorks center around: In fact, there are numerous consumer complaints about how the company contacts and treats consumers on its BBB profile. Its BBB profile shows a 1 out of 5 star rating for customer reviews. And yes, CardWorks Servicing offers debt collection services to several creditors across the country.ĬardWorks Servicing is a legitimate company that claims to have been around for nearly 35 years. is the parent company of Merrick Bank, CardWorks Servicing, and Carson Smithfield. To clear things up for you, CardWorks, Inc. Aside from the insistent calls, most consumers are never sure whether CardWorks is a bank, a third-party debt collection agency, or another party. Summary: Is CardWorks Servicing contacting you about a debt? SoloSuit can help you get them off your back, take a stand, and win in court.ĬardWorks Servicing is one of the most confusing debt collection companies to deal with. ![]()
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