Why Us
Why Do They Require My Personal Information?
Brookdale Financial calls you for a "personal business matter" and asks you to verify your name and address, or perhaps the last four digits of your social security number. It sounds like a scam, right? "What is it about?" you ask. But the agent tells you that they cannot reveal the details of the call until your identity has been verified. Think about it: why should you provide personal information to find out why we are calling?
You are not mistaken. It is a strange thing to ask. But when Brookdale Financial calls you and asks you for this information, you should know it's not a scam; this is a necessary step in the highly regulated process of collecting a due account.
Federal law makes collection calls inconvenient. The FDCPA is a law that aims to protect consumers by instilling the policies that collection agencies must follow when they call a due account. One of the rules is that a collection agency checks which they are talking to before disclosing personal information about your expired consumer account. If a collection agency discloses private account information to third parties, this will infringe on the privacy of consumers, as would the FDCPA.
Therefore, collection agencies must verify the consumer's identity before disclosing information about the account. Okay, the invoice may not be due, and we can request an error. However, federal regulations must be observed to guarantee confidentiality. The faster we can verify your identity, the faster we can clarify things.
After receiving a call from Brookdale Financial, our representatives may jealously abide by this policy, as required by law. It can be an awkward experience. We understand. But rest assured, as soon as we verify your identity with the FDCPA, our representative will be able to disclose on whose directive we are calling. All the relevant details on the expired account can be discussed in depth.
Our representatives are committed to providing consumers with a positive and constructive experience. This means that when we speak to you, we do so with respect, to find a solution for you and your creditor. We want to make sure that you resolve your account's issue to satisfy all parties involved. If you are satisfied and your lender is satisfied, we are satisfied.
Brookdale Financial is motivated by our belief that we are doing the right thing. Integrity is one of our main values.
Founded in 19xx, our credit company has spent the past years building a reputation for ethical collection practices.
When Brookdale Financial calls you, it is not a scam; we ask for your personal information to verify your account according to the federal regulation. And if you still feel anxious or uncomfortable with the disclosure of personal data over the phone, we understand. You can still get answers from the consumer portal on our website. Our website provides an easy-to-use interface that can help you find your account and read the details of why we called. As always, if you have any complaints, contact us.
Why Does A Collection Agency Ask Me For Information?
When you talk to a collection agency on the phone, whether they call you or you call them, the conversation always starts with the collection agency asking a few questions: "Who am I talking to?
And then, "Can you verify your address?" These two questions can generate all kinds of red flags, especially when the collection agency called you. Many customers ask, "Why does a collection agency ask me for my information?" You called me. If you are legitimate, you would not ask for my information.
We understand. It is an understandable reaction. This type of call looks like a scam.
After all, you have been asked several times to protect your personal information, especially when you have never heard of is online. Why does a collection agency ask for personal information in advance? The answer is as follows: collection agencies must ask these questions to comply with the law. Under the FDCPA, collection agencies must take steps to protect their confidentiality. By law, the collection agency must verify that it is talking to the right person. Until then, the collection agency cannot say anything about the reason for the call. They cannot disclose the name of the creditor, the account balance, or more details on the past-due account.
Supposedly, its a friend, colleague, brother, or child that picks the call. If they find that your account is due during this call, this is a serious privacy violation! An ethical collection agency is responsible for enforcing the law and protecting the details of your business. When asked to provide your name and address, the representative ensures that they are talking to the right person, the account holder. After verifying your identity, the collection agency can discuss where the debt is coming from, what is at stake, and account adjustment agreements.
For more information on why Brookdale Financial is calling you, see our FAQ or contact us.
