These are not your normal debt collection calls. In many cases, these collectors are very aggressive. Here are some of the threats reported on our forums:
“…we would have to appear in court at 11:00am tomorrow morning, we would be charged with internet fraud, would be put in jail, could be sentenced to 4 months in prison, etc.”
“…said that if I didn’t pay $1,095.87, the police was going to come to my house and arrest me and take me to jail.”
“…wont give me company name and he tried to cuss me out…”
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Just to be clear, these are not collectors trying to collect legitimate debts. Most of the complaints on our forums, and to the IL AG involve consumers who either never took out a payday loan, or who may have initiated one but never actually secured the loan. In some cases, the “collector” has detailed information about the victim – such as name, address and Social Security number – which makes the debt appear to be real.
Here’s what to do if you get a call like this:
- Ask the collector for the name and address of the collection agency for which he or she works. Then ask him to send you written information about the debt. Any legitimate debt collection agency will do this because it’s required under the federal Fair Debt Collection Practices Act.
- If the caller won’t give you this information, hang up. If a phone number is available through caller ID, report the call on our forums and to your state attorney general and the FTC.
- Don’t let one of these companies scare you into making payments if you’re not sure you owe the debt. In most cases, collectors must first take you to court and get a judgment before they can go after your wages or property. (If you live in Minnesota, though, read this warning.)
By the way, you can’t be arrested simply because you can’t afford to pay a debt. (Warning, though, there are cases where consumers are jailed in connection with debts because they failed to appear in court after a summons was issued.)
The Illinois Attorney General’s office says the bogus debt collectors they’ve heard about use a variety of names, including: Morgan & Associates, Federal Bureau of Investigators, DNR Recovery, DNI Recovery, Legal Accounts Association, Department of Law and Enforcement, CashNet USA, America Legal Services, Quick Cash, and ACS. If you hear from any of those companies, be sure to report them immediately to your state Attorney General’s office and the Federal Trade Commission.
And share your experience with other readers in the comments below.
Fight back! Learn how to spot a debt collection scam, and read about 7 ways to stop debt collection scammers.
Image: Abu Badali
Gerri Detweiler Gerri Detweiler is Credit.com's Director of Consumer Education. She focuses on helping people understand their credit and debt, and writes about those issues, as well as financial legislation, budgeting, debt recovery and savings strategies. She is also the co-author of Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights, and Reduce Stress: Real-Life Solutions for Solving Your Credit Crisis as well as host of TalkCreditRadio.com.
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Great tips. If I have known about it, I would not have been taken for a ride. I actually paid one of these scammers $299 to have a payday loan expedited. If only I know how to prevent it back then. Thanks again.
I have recieved these types of calls just recently. I has applied for a internet payday loan but never heard back. Now I recieve threats saying that I owe money and the caller is very aggressive. They must have got my information from my application in some sort of shared business to scam people.
Yea i recieved a call after doing the same thing. this happened yesterday on 2-5-2013. thing is i know the laws of my state very well and i got them to hang up on me at least 6 diffrent times but then they call back and give a diffrent name but the voice is the same. plus they sound indian. they threatened me with all the same things and tried telling me ill be arrested by the sherrifs station. um….i work there so i know if i was in trouble of any kind. lmao
And who the heck even says sheriff station anymore?! I just also had this happen to me, I was suspicious automatically when I heard the first voicemail and was basically threatened and not to sound racist but the man said his last name was Jones but had an indian accent
I have a sherriffs department calling me stating they are the one in my area and that i need to repay my debit or it will go into legal matters. Do you think that is really the Sherriffs department or the debit collectors using there phone number and acting as them?
Call the Sheriff’s department. They will tell you it’s a scam and then you can report the scammer.
They are scammers. I received phone calls from these guys stating to be some company like American Recovery Services. They are Indain with heavy accents. They told me the same thing about how they had a lawsuit and I would get fined 5000 or something like that. They had my information I’m thinking since I put in an application for a payday loan which I declined finding another option. I told them I was not paying them and to file the court papers and I would deal with the court. They tried to be aggressive but I know better. Never pay anything over the phone. Collectors will always send stuff in writing before filing court papers in order to avoid costs or that has been my experience and will 90% work things out with you. This company is a scam. One guy just kept repeating “liar liar” like a 12 year old and I hung up. Then again when they called i just picked up the phone and it was the same guy that i talked to the day before and told him the same stuff that I wasn’t going to pay them anything and to file the court papers. Then he asked if I loved him and if I was single… Don’t pay these guys. The # that called me was 845-445-4854.
I had the exact same problem with the person from this number & I reported them to the FBI & The Department of Homeland Security. They are really cracking down on things like this. Especially because this guy was impersonating an officer of the court of the State of New York. I suggest that report them as well. The more reports the hotter the case against them gets.
We have someone from 917-677-8913 claiming we took out a cash advance for 500.00 in march and never pd. The man said his name was Brian Smith with Payday Collections Bureau and we i asked him why we haven’t received anything in the mail he said they weren’t allowed to contact people by mail……they are threating to sue us in court….
I am dealing with the EXACT same thing, Only Brian Smith is calling me from a different telephone number and is saying I am guilty for money laundering and if I do not pay him I will go to prison.
Money laundering…jail…not allowed to contact debtors by mail…It would be funny if it they weren’t so threatening!
it would have been Gerri, except that people actually lose big money because of those scam artists!
Very true. I don’t mean to minimize the damage they can cause.
That’s funny I just got off the phone with Brian Smith claiming the same thing.
Same here with me today smh. Same guy
Same here….only thing I actually did take the loan but had an incident happen and my husband closed our account and we now have a joint account. Brian called my my job to tell me I was getting served some letters. I should make a payment only with an account that was connected to a routing number…it could be a friend or a family member if I didn’t have my own.
Same call but from a woman…told me that a loan was owed to Money and More in 2008…and that we were being sued. I refused to take the bait…and she got more and more intimidating…quoting me my email, last 4 of account number, name of bank etc WHen I threatened to call the police, she offered to do it for me..so I said “go ahead”. She said good day and hung up on me…then immediately called back shouting that I would need that same number when I was in jail..I told her it was BS and I would not discuss further without proof in writing. I have paid off EVERY loan that I ever took out..none defaulted…and I kept the papers stating the fact!
IGNORE THEM….ITS A SCAM
My father recieved a call from a person like this and stated that I would be arrested and
fined for 2 felony violations for a loan with First Union and I did have a loan from them and paid it, they said it was for debt felony because
they had my social security number from 2004 (first caller) 2006 when I called back. What is the best way to handle this.
Defaulting on a loan isn’t a “felony violation” and what they’re saying and doing is illegal under the Fair Debt Collection Practices Act. The next time you speak with them, ask them to send you written confirmation of the debt–which they are required to do by law. If they refuse, you can tell them that they’re breaking the law and you’ll pursue legal action if they continue to call and harass you.
For more information on how to deal with debt collectors, here are several resources that should help:
I had a similar call last week claiming I defaulted on a PDL from 2008 which I did take out and also did pay back in full when it was due. They are threatening me with court and possible criminal prosecution for check fraud. The name of the person who called was Timothy and he was calling from something called ADR firm on behalf of his client. He said the client is BG Capital Associates and that they bought the debt from Money and More (who is the company I had the PDL through back in 2008. The phone # they called from and also had me call back was 716-748-6566 and 716-748-6519. Has anyone else heard of these people or had similar experience?
YES .. I am getting the same calls as you and from the same guy .. Timothy and yes, he said he is calling from ADR .. and today I got a call from a Tom Hayden who didn’t identify the company he was with .. he said he received a fax in his office and I had one chance to clear it up by calling 877 548-4064 .. he said I have charges pending against me and would be served. He didn’t leave a number he could be reached at .. only ADR’s number. When I called the lady said that I owed a PD loan and that I needed to pay it right then over the phone by credit card or debit card or give them a family member’s credit card etc .. otherwise I was going to be served and would have to go to court and possibly be jailed for check fraud. She then put her “boss” on the phone who said his name was Gregory Scott and he said he would do me a favor and reduce the amount owed by 200.00 which is what he was going to pay the server to come and serve me papers but only if I could secure him payment right now with a debit card or credit card. I asked him where he thought I could get one and he said ACE cash express .. I told him I didn’t have a credit card nor did I have a pre-paid debit card .. I asked him for the information in writing so I could verifiy that they were legit and he hung up on me. Seriously, maybe we should do something about this ADR company .. they called my cousin and I have never used my cousin as reference on ANYTHING and they threatened him (this during the time when he just lost his sister to cancer) and they told him he needed to secure my debt.
Today I came in from a stressful day, phone rings and it is some stupid chick telling me I was going to be served and have to go to court if I didn’t call this number at ADR – 877-801-8348. I asked her what was she talking about. She said, “I can’t tell you the records are sealed!” She then said ” if you call this number that will prevent you from a lot of trouble!” I said “No thanks, I would rather know what the trouble is, serve me!” I live in a remote part of the country – P.O. Box only – I also knew I had not been responsible for anything illegal. Have been a grown up now for several years and knew –my life was clean! I told her if she called me back that I was going to turn her into the AG’s Office and hung up. A few minutes later my mom called said some girl was looking for me and I needed to call that number. My mom is 83 and we just went through w losses, my dad and my brother-in-law. None of us need this at anytime in our lives. I WILL turn them into the authorities if they call me back. I hope every else will do the same. I told my mom not to even think about talking to them or any one else who can not identify themselves or their company. It’s a shame such evil lives in our world…find a job, do something honest for a change. We have enough crap going on without these scumsuckers bothering us or moreso our parents! BTY the girls name was CORY.
“It’s a shame such evil lives in our world…find a job, do something honest for a change.”
Amen, Jerri! they should try to work their ass*s off than rip money from others
I too have been getting these calls as of late. I took out a payday loan from Money and More back in 2008 and did it online for $300. I have since paid the loan back, but am now getting these calls as well. They’re coming from multiple numbers in different states. The numbers I have are 631-247-9920, as well as the 716-299-0417 numbers and 757-275-8578. They’re obviously using some system to be able to call from other numbers. I usually don’t answer and call the numbers back to find out who they are and I go straight through a switchboard to an operator who refuses to tell me who they are or what company they are calling from. They claim that there are “lots of companies in the building” and that they don’t work for any particular one. Anyway, I answered one call a couple of months ago when I got a message about a case number and told them I’d paid that off. They informed me I would have to secure a police report (?) and a lawyer, but I just hung up on them. In the last few weeks, I’ve gotten calls from a guy claiming that I had one final chance to resolve the matter or he would be turning my case over for processing. Of course he had all my info as well from my application. First, he called my grandmothers house to harass her, then called me back claiming that he had an address for me and would be filing the paperwork. This guy did not give me a name or a business. He just claims “I’m calling again to inform you that you need to contact the firm handling your claim.” Then today, I get a call from another guy calling himself Bobby Jones from “the mediation firm” regarding reassignment of the claim and that he had obtained a locating service to verify my address for processing. I still have not received anything in the mail verifying the debt, and I’ve already had to file reports through BBB once because Money and More reported the debt to the credit agencies, but they put multiple accounts on ym credit report. When I contacted the BBB to have them removed, they were removed initially, but then reappeared about a year later.
i have been being harrased by several different collectors for a pdl that i payed on time back in 2008!! the name of the company i took the loan from was money n more they have all of my information and recite it off like nothing, from account numbers to drivers liscense numbers!they r extreemly rude and threatining i have faxed them no fewer than 5 times the proof of payment and this usually shuts them up for 6 months b4 they start up again!who can i contact to make them stop? i dont need this kind of anxiety,it would b different if i had actually not paid it or bounced a ach check with them but i did not. When this first started i was told that money n more had gone bankrupt and had fraudulantly sold paid debt and that when i faxed proof of payment they would take it off the books unfortunately that didnt work.We should b able to nail these bast#$$%%s to the wall for all the grief they cause and the way they demean u on the phone.Any suggestions and phone numbers for the state of mi tht would help take care of this situation would b greatly greatly appreciated.
Andrew – There is no easy way to stop them. You can try your state attorney general’s office and file a complaint with the CFPB at consumerfinance.gov. But often these collectors operate at the edge of – or even outside of – the law.
If you are being contacted by scammers then you may want to try some of the techniques I described in my story 7 Ways to Stop Overseas Debt Collection Scam Calls.
Yes I haven’t been getting calls but I have been getting EMAILS saying I have a loan back in Nov 2008 for 300.00 and now owe 1,246.95 but my settlement would be 757.62 If a wanted to settle out of court . And that also my SSN was put on hold . this is what I was sent. First It said NY and then It says Miami ? I need help please
Loan Amount:- $300
Loan Date:- Nov 2008
Loan Company:- US Cash Advance (Parent Company)
As we put your SSN # into our National Checking Database System we found you to be a genuine person, as you were never been arrested for any kind of Fraud Activity in your past, that the reason Court House has decided to give you chance to take care of this issue outside the Court without having black spot on your Credit History. Now if you want to take care of this issue than you have to pay an out of Court Restitution Amount which includes the late payment charges, penalty charges, highest interest rate of the loan amount and actual loan amount = Restitution Amount : $1246.95 but if you want to settle this matter today itself than you can get some percent deduction on the Restitution Amount and you can take care of this issue by paying Settlement Amount : $757.62. Which one you would like to go for Restitution Amount or Settlement Amount?? You have to send me a promissory note to stop your case file temporarily out of court house. So get back to me.
Reply ASAP
If you want to pay settlement amount which has to pay in full today itself to close this case and if you cannot pay the Settlement Amount then you can get 4 payments of $312 on the Restitution Amount starting from today and every other week. You have to freeze the allegations on your name, b’coz we cannot hold your case. After the payment dates are decided, you cannot miss any payments. and if you will not make your first payment on your case file then you will get Restitution Amount including more late payment charges.
You have to pay this through Green Dot Moneypak and not by prepaid card and this Green dot Moneypak you will get in any stores like Walmart, Wallgreens, CVS, Ralphs, Duane Ride, Rite Aid, 7 Elevens and many more which one is nearby your work place or home. You have to go there with cash in your hand and buy Green Dot Moneypak. Now Green dot Moneypak is one kind of recharge voucher which have activation code in it and they will provide you with that. Than you have send me fax of front and backside of Moneypak and also the receipt along with a clear copy of your Driver’s License and Social Security Card with your sign on it to get it released. Fax number is 206-426-3556. Please put attention Alicia Fields. And also write down your name or your case file number. And also you can send me email if you have any questions or queries.
OR
If you want time extension until Feb 3rd 2012, then you have to pay $150 as time extension charge, so in total you have to pay $907.62. Please provide card details for stopping your case file for time extension
Let me introduce myself. I am Senior Affidavit Processor Officer Alicia Fields from State Investigation Department. As we were trying to reach you since a couple of days regarding a very serious matter about a lawsuit filed on your name stating that you are doing some fraud and criminal activities.
I am really very sorry to say you that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government, so before something goes wrong I thought that I shall call you and notify you about this matter. But as I was not able to reach you I am sending you an final notification Email. So please take a piece of paper and write down your case file MW18240 and second thing since it’s a legal matter you will be needed my help, so please write down my callback number is 315-999-7327 Ext 2000
For the records you…
Name: – TIFFNYE CHAIN
SSN:- ****
Email: – ********@GMAIL.COM
The Factual Basis for the complaints is as follows:-
Mr. / Mrs. TIFFNYE CHAIN , ascertained an income advancement from US Cash Advance with your Bank Account Information as collateral for said advancement.
Mr. / Mrs. TIFFNYE CHAIN , agreed to return the funds from the aforementioned income advancement as per contract.
As of today’s date the funds have yet to be returned and the collateral has proven to be null, that is to say of no value.
At present, US Cash Advance is seeking either of the following remedies:-
All funds to be returned as per terms of initial contract.
Mr. / Mrs. TIFFNYE CHAIN ,be proceeded against to the fullest extent permissible by current Federal Banking Law.
Mr. / Mrs. TIFFNYE CHAIN ,as I was investigating your profile, I found you to be genuine person so it is my duty to help you out but for that I need some right answers from your side. Also we want to know your intentions?
So do you want to resolve this issue outside the court house, or you want to go to the court house with legal proceedings? This was a final notification Email to you as we found you to be genuine person as told you before. You can resolve the issue by paying out of Court Restitution Amount or the Settlement Amount as decide by the Court House? You have to give me a flat answer without any excuse.
Reply to me back on my phone number 315-999-7327 Ext 2000. or Email me.
Thank you
–
Alicia Fields
Senior Affidavit Processor
State Investigation Department
Utica, NY
Contact: 315-999-7327 Ext 2000.
Fax: – 206-426-3556
–
Alicia Fields
Senior Affidavit Processor
State Investigation Department
Maimi, FL
Contact:- 305-999-7327 Ext 2000
Fax:- 206-426-3556
Tiffyne – Ignore these emails. It is a scam. Don’t pay them and don’t worry about this. Report them to the authorities (your state attorney general; the Consumer Financial Protection Bureau at consumerfinance.gov; and the Federal Trade Commission at FTC.gov)
You are not going to be taken to court or prosecuted and your Social Security number cannot be put on hold.
Then just flag these emails as scams.
How do you put your SSN# on hold? Who do you contact for that. I received a scam email today they want $725. I have filed complaints with FTC and my state attorney general office already.
Yvette –
You can’t put your Social Security number on hold. But you can put a fraud alert on your credit reports. Go to Experian.com, Equifax.com and TransUnion.com for instructions.
Glad you didn’t lose any money!
oh, how do I flag for scam? Do you have a web address?
I am not sure I understand your question…??
I just got this same green dot card thing … The grammar in the emails is horrible (my first clue that something is up) … But I kind of can’t help but panic a bit because my father (my sole provider) died a few years ago (on my 18th birthday), my grandmother a year after that and out of desperation and immaturity I did take out a couple of these loans a few years ago. I thought I had paid them off but there is this lingering doubt … I guess I will just have to pull my credit report to be sure. It just doesn’t seem right that a legitamite collection agency would want people to pay them with a green dot card!
Ashley – You are right. That is a big red flag. Consumers should never send a prepaid card to pay a debt collector. Not only is this a favorite method of payment for the scammers who take the money and run, you’ll have no record of the payment if it were a legitimate debt.
All you have to do is call your department of investigations NOT TGE NUMBERS THEY GAVE YOU!!!!! Ask for the Alicia lady. Explain this letter (if there really is a lady named that there) and ask her to explain why she wrote this to you. I bet you she will have no idea what your talking about! Are the Indians calling you? I bet they are. What they do is find names of government officials and impersonate them so you will look up the name and see that its real. They are complete scammers. Please don’t fall for it. Me and my husband had people calling us and his work, they claimed to be an FBI agent investigating check fraud. He said his name was Jhon Brown. Well we had never gotten a payday loan only applied for one. Any how we called the FBI ( not from the numbers they provided)because they were wrong, and sure enough jhon brown was an agent of THE FBI but had never contacted us and had no clue what we were talking about. He ended up taking every number they called us from and started an investigation on them. Do don’t fall for there stupid shit! If there place your calling can’t Slovenia your issues you may have to change your phone number and your email do they will stop bothering you! Good luck!
Stephanie –
Thanks for sharing your information. So glad you didn’t fall for it!
A Tony Walker, threatening me that he has a formal complaint regarding defrauding a financial institute and that I have 2 hours to call 1-888-832-2686 with file #911131 because he is going to serve me a summons with proper authority. I called that number and no one picks up the phone and it states leave a message. I got a call from them a couple of month ago and they stated the financial institute which I paid in full and they still said dont call them to harrass them and that they will see me in court.
Now that I’ve done a little research, I know that “Anthony Davis” who claims to be an attorney is a scam. See, I’m a legal assistant and have been in collections before and know the law. When this man told me that he’d contact my employer to have my employer pay this bill, I said, “You’d have to take me to court, get a judgment and then garnish my wages” To this there was no response. Mr. Davis also told me that I would be “arrested” if I did not pay this debt. He calls incessantly: to my job and my cell phone. Thank goodness he doesn’t have my home phone number. Then I asked, “To whom do I owe this debt?” He replies, “The company I represent owns many, many companies such as Cash Net USA, Speedy Cash . . .” However, he DID NOT tell me to whom I owe the debt and the amount of the debt. At first I was scared because I have defaulted on PDLs in the past, but ALL collection practices are governed by the Fair Debt Collection Practices act (Federal Trade Commission): http://www.ftc.gov/os/statutes/fdcpajump.shtm. Debt collectors must provide you with a written validation of the debt, showing to whom you owe the debt, if you feel you do not owe it. Also, “Anthony Davis” asked me to send (via Western Union) three payment of $330 each/totalling $990. When he gave me the name of Shanique Manghram in the the city of Tampa to whom I should send the money; I was on to him. Then he threatened me and I had that “gut feeling” this dude was a scammer. What I think happened is I applied for a PDL but did not get the PDL. Now I have a few gentlmen calling me asking me for money. If you awe a PDL, the PDL will contact you before they send it to a third-party collection agent and then you still have the right to dispute the debt or have the debt validated to you IN WRITING.
I write this because I see very similar stories to mine and since I know the legal system, I’m telling them call “Take me to court. Or, “I’ll see you in court.” That seems to stop the madness.
My was PDL Recovery also, they claim my situation was 2 yrs ago. I do not recall any such pay day loan. I also went to my bank branch to retrieve my records’ and nothing applies to these people. This out fit was from Chicago Ill. No full address on the stupid email they sent me.
Guy called me at 10:30 PM and said something so carbled I didn’t hear. But he did know that I receive a Social Security Ck on the 3rd of each month which is directly deposited to my my account. He said that if I didn’t make a deal with him “right that minute” that he would attach my SS ck and it would never get to my bank? Is that possible? My bank said there was no way, but this guy was very convincing?
Debt collectors can’t call you after 9 pm your time. That’s federal law. And they can’t threaten to take action the legally cannot take or don’t intend to take. Garnishing Social Security is only allowed in the case of certain federally guaranteed debts such as federal student loans. Otherwise it is not legal.
I am going through this with a company staying there speaking for money and more right now they called me from a 313 area code and I had to call um 185 52056791 it really is upsetting me and actually scaring me but I called the bank account in which they said the money was deposited 2 and my account was closed a month before they said they are applied for the loan so I don’t understand how old anybody any money
I have one of these! A collection agency by the name of Thomas David and Associates contacted me repeatedly about a “delinquen”t loan form 2008. Supposedly, my electronic payment had bounced. They said they had checked with my bank and had proof I was a cheat
The only problem is that there never was a loan and never a bounced payment. Originally they demanded the $250 I supposedly borrowed on the phone. Then they sent a letter demanding $532.
I contacted Thomas David Collection Agency and explained that not only were they incorrect in their demand, but that I was contacting various consumer protection/ law enforcement agencies. They hung up on me and I haven’t heard from them since. I did keep all the paperwork and
Someone should sue these jerks.
I received several calls beginning July 2010 for collectors. I told them each time I do not have a loan. The last call I was called a moron and he hung up. I have contacted the FTC. How do we stop these people for harassing innocent people? This is against the law and they need to be charged with a crime.
these people are not from here. they are in India. hence why nothing has happened and why nothing will happen, ever. police, FBI.. nobody can do anything.
I have been called by some of the same numbers listed. I would like to know what can be done about this. They call me and threaten me, that I will be taken to court if certain money matters were not taken care of. Once again what can I do.
I returned their call, and told them that the call was being recorded and traced. They hung up and I haven’t gotten a call from them since then.
I have been having similar problems but from different numbers. Started in Sept with a Brian Johnson calling me from 347-674-0997 with these same threats but the only company name he would say was the Criminal Complaint Division. After asking that something be sent to me in writting, he promptly hung up. Then on November 2 I received phone calls both at my private number and my work number, very hateful, broken english (Indian accent) and this one was named Paul White from 516-515-6564. Again there were no company names but I supposidly owed all this money, still no amount was disclosed, he just wanted my attorneys name because I had felony criminal charges against of a very serious matter. Again I asked for it in writting and he got very hateful, asked me to hang on while he got his supervisor and the phone got disconnected. I called the number right back and it went to a voice message, again with no greeting, just leave your name and number. Thinking it was all done, I received another call Nov 30 at my workplace, this time from Jack Thomas (again very heavy Indian accent) and he is supposidly with Kevin Peterson Law Agency in New York only the phone number was 516-847-4310 which is supposidly out of New York. I contacted my local police department at this time, gave them all 3 of these different phone numbers and they have tried to call them also but only to receive the “no-greeting” voice mail. So today, Dec 2 I receive a call from Kevin Peterson, Attorney at Law out of San Francisco, Ca from 530-344-4624 telling me he will have the local sheriff come to my place of employment and serve me with papers, again Kevin has very broken english and a very heavy Indian accent. The accusations they are making are awful, does anyone know what can be done. I am sick to death with this/
these ppl never told me who they were this lady said she had to let me speak to a mamager because a claim was being filed against me but i never recall givin me the name of the company nor her name ..864-569-0719 its also unlisted in the white pages reverse look up … i was told that i could take care of this i offered to do so in jan and they said no i had to take care of this today . tried something about the statue of limitations and was trying to get 150.00 out of me today i told them they could just call someone on the spot and she said they were suing and hung up the phone on me .. thats when i knew it was a scam i have never had a real collector hang up its hard as heck to get them of the phone lmao
also when i try to call this number back it says its not in service WOW
I actually just got a call today saying I owed a payday loan. i have never gotten a loan ever. They asked me if the above was my email I said yes. They said do you still work at ______ i said yes. They said they had a payday loan that I needed to pay they were middle eastern. They didn’t even sound professional. I told them I never got a loan. They said yes you did. They said the company was something like Usa something I couldn’t understand them. I told them to send me something in the mail and I’d look it over and file fraud on them. I told them I had something like this happen before and haven’t even had my account long enough to get a pay day loan. They asked if I had a lawyer I said no but I sure can get one. They started in and I told them “shut your mouth! shut your mouth1″ I said i;m not listening to another word out of your mouth. I didn’t get any loans. I sure as hell didn’t get any money. Then they said they’d call back tomorrow. I told them no you don’t ever call this number again I’ll take that as harrassment and call the cops. LMAO I don’t let anyone push me around and I know what I do and what I don’t do. And I did not get any loans. So they call back tomorrow I will ask them for a call back number and tell them I’ll call them in an hour or something call the cops and give them the number. I sure did report the last ones that tried to pull this kinda crap. I’ll do it again. I am a 26 yr old single mother of 2. I work 40 plus hours a week to take care of my kids and I will not have someone take from my kids cuz thats who they are taking from.
well i just heard that they got money out of my grandmother who lives off social security and disability. They took 200 from her. My grandma who is diabetic and has a bad heart who has had multi heart attacks and strokes. They called her and told her they were the police and were coming to arrest her and put her in jail!!! That breaks my heart she is almost 70 yrs old. I’d give my last penny to keep her out of jail if that was real. My God who are these damn people? There must be a special place in hell for these types. They sit right next to Hitler and Charles Manson. They could have gave her a heart attack and killed her is scred her so bad!
I have been getting calls from pds or pay day solutions 877-418-8244 there have tried to run the same scam as above. They called regarding a legitimate debt, they negotiated, after telling me a process server was out looking for me, and then when it came time to pay they could provide no proof that they exist. No address, no bill, no invoice, no statement or letter. They just wanted me to give them money. When I refused and told them i would be happy to pay if they would just provide me with something in writting that this would be settled, they got all crazy on me and told me I was harrassing them and not to call them anymore, that they were just gonna sue me. I said fine and proceeded to call the police. I will call the FTC tomorrow. Thanks guys, I feel much more certain now that it was a scam.
I received the same call yesterday and today from a Eric Brown threathening to come to my place of employment and have me served. When asked for his company name, phone number he stated I havd been warded. He starts off my having a lot of personal information address, phone number really scary. How do they get all this. He has been calling my cell phone all day today with threats. I have his mesages saved on voice mail. He also informs me to contact 877-418-8244 Pay Day Solutions. His number is always unavailable. Will contact Attornet General and FTC today. How can we stop this.
caller states they will be taking legal action, that the sheriff will be at my house or work place to serve me with papers. Knows my address and date of birth and employer. Says I owe $1,100.00. He says I can have my lawyer can him. He speaks with a foriegn accent and sounds exactly like the guy who called 2 months ago for another company threatening the same thing. I paid the debt last time did I get SCAMED? The name the guy gave was Mr. Flood and number was 310-999-0442. Please help me!!
I had the same happen to me! I paid it last time also, and now a different person calls and they are asking for more money saying I owe a different loan. i have already paid them over $1200 !!!!
Melissa,
Don’t panic. You have the right under federal law to request verification of the debt and the debt collector must provide it. They also must provide you with their contact information if you request it. So next time they call, ask for their mailing address. If they won’t give it to you then they are either a. a scam or b. a rogue collector who is breaking the law.
In either case, take notes of the conversation. In the event they sue you (which would be very rare if either of the scenarios I described are correct) you could show up and explain to the judge how they did not comply with the FDCPA. Or you could hire an attorney to sue them. If you win you would be entitled to damages and they would have to pay your attorney fees.
If they do provide you with their contact information, then you can send them a certified letter requesting verification of the debt.
Is there any way you can record these calls? If so, I would suggest you tell the collector next time that they call that you will be recording the call and then do so.
As for the other instance, I don’t know whether you were scammed or not, but you can certainly do some research to find out whether the collection agency you paid was legitimate. In some states, they must be registered and/or licensed to collect consumer debts in that state.
I would encourage anyone who is reading this thread to listen to this call recorded by Steve Rhode, who was investigating these types of complaints as well. The guy at the “collector” says he is with the “Bureau of Criminal Identification” and that the case has already been forwarded to the authorities. http://bit.ly/6FKMVF
It’s pretty comical – unless you are the person being threatened and you aren’t sure what they can do to you.
That is hilarious. I have the exact same guy on a message in my voice mail. I finally answered the phone one day and caught him in the scam.
hi there. I just got a call from these people on jan 13, 2011. They said I would be served with court documents about a bad check back in 2003 when I was stationed in Texas in the military. They tried scared tactics but i guess they were unaware that I have a degree in criminal justice. When I told their rep that texas penal code only allows for 2 years( 1500 or less) or 5 years (1500 or more) to pursue a bad check debt the rep was stunned. She immediately put me on hold for a long period of time and then transfered me to a “senior” rep. She too tried to scare me but I informed her of the staue of limitation in the state of Texas as Part of the Penal code. I also know you can actually sue them for harassment if they continue to bug you. Dont let them scare you! Get informed!
I had a pay day loan it goes back to 2008 they are trying to collect it now they ato take re saying they are going to take me to court saying it is check fraud
The fact that you cannot pay back a loan does not mean you have committed check fraud. That’s a common ploy to try to scare you into paying. Do your homework; find out if the statute of limitations has expired, demand written documentation of the debt before you pay anything; and investigate to find out whether you are dealing with a legitimate collection agency. I suspect not.
I am getting phone calls from DNR Recovery in Bloomsfield Illinois stating I owe money from an unpaid pay day loan. The number is 877-855-1624. It is so scary and I don’t know what to do. Thank you for all the info in the above posts.
I have had several calls from DNR Recovery at 877-855-1624. The caller is a “Miss Stiles” who does not have a foreign accent. She says she is a “Wage Garnish Specialist” and that I owe $900 due to a “pay day loan taken out and not paid.” If I don’t pay either 1) $100 a month for 9 months or 2) $500 flat fee immediately, my wages will be garnished. While I did, in fact, have a pay day loan, I paid the entire amount back on the originally scheduled date. I got so worried about my wages being garnished that I did pay $500. Their instructions were to purchase a Visa card and phone the number in to them. I did do that on Friday with the understanding that I would receive an e-mail noting payment. I did not receive an e-mail and there is no answer today at the company. Have you heard anything about this company? Thank you for all your help.
Marie…. I think you might have been scammed by a fraud company… Even if you owe some money, don’t just blindly agree with everything! People will try to extract information from you and tell you that you owe more… Well, at least, its only $500… Well.. next time be aware…and remember… don’t sign anything at your doorstep…
I have suppose to be a Payday Loan Recovery Group with the phone number 1 877 258 1188 saying that Net Loan USA has sent my name to them for a payment I know nothing about and they are going to garnish my check, I just don’t know what to do. They have too much information on me and I don’t know what they are capable of doing, I wondering how they got my information. I have someone calling me saying they are from Allegal Dept. ACS. Asking for money. I looked them up and they are a ripoff.The number they call from is 813 262 0349.
Louise,
Just because they have a lot of information about you does not mean it is legitimate. These companies are somehow getting access to very detailed information about consumers who applied for and/or took out payday loans. If you are worried, consider filing a police report against them, and once you’ve done that, put a freeze on your credit reports.
Be sure to also report them to the FTC and your state attorney general.
Andy – Good for you for knowing your rights and standing up for them! And you are right, if they continue to harass you then you certainly can talk with a consumer law attorney. I would also encourage you to report them to the Federal Trade Commission (FTC.gov) for potentially mischaracterizing the status of the debt (a practice that is illegal under the Fair Debt Collection Practices Act.)
Thanks for sharing your success story!
Hi- I kept getting calls from this people telling that they are lawyers trying to collect the debt for E financials. I never applied for any Loans like that. It’s true that I owe a loan but I’d been paying my finance fee charges, I forgot their names when they called telling me that my payment did not go trough and I was in big trouble…. I agree to make some payments. When I went to work the next day starting to search “Legal Dept payday collection bureau they don’t even existent and on top of my payment for that week had went through so she lied. I almost paid them $300…. That lady’s name is “Jenifer Davis” told me if I pay $300 my name will be clear of that debt…. Beware because they sound so real and they’ve got all my private in formations….
Stephanie – I am so glad to hear you didn’t get scammed. Please be sure to report your experience to the FTC at http://www.FTC.gov.
I have recevied about six calls over the cource of a year. I was initally alarmed by the calls because the man I spoke to had my first name, SSN and at least my telephone number. I know that my identifaction had been comprised with Nelnet Financial Services (a very old student loan) and one other place.
He told me in with an accent that I was involved in some type of fraud. I new better than that unless my SSN had been used by someone else. But, I have never been contacted by any litigimate or illigitimante business by mail with any type of complaint.
The first couple of times, I preceeded to ask his name, address, telephone number, ID and who he represeented. He had someone speaking in the background coaching him. Eventually, he hung up. I never received any threats.
On Monday, January 24, 2011 I received the latest call and I was busy and annoyed. I told him that I knew who he was! He said “you do?: I said, “sure there are all kinds of complaints written about you.”. I suppose I was a bit threatening when I said you don’t mind if I tape this call and he could hear me say “will you go to the other phone and listen”. I waited a few seconds and he hung up.
Just tell him that since he has your information, mail the complaint to you.
I figured that they compromised a data bank somewhere and they have a finite list of names because they have called me about six times. And I think they might only have a limited amount of information. They must be recyling the list over and over again. I don’t think these guys are that bright.
First of all, most legitimate businesses aren’t going to tell you a SSN over the phone. So, just ask them for all the information that they have (which they have little) and request that they send their complaint in writing. But, don’t give them any information. If they dont’ have your address, don’t give it to them. These guys are struggling to speak English much less put a complaint in writing.
I don’t know how they obtained my SSN. But, I’m not too concerned about the little twerps following through on any threats! ‘
I check my credit reports frequently and I’ve seen no fraud. I advise you to do the same.
Good Luck.
John – Thanks for sharing your story. I hope it helps someone else who is getting these kinds of calls. Telling them you’d like to record the call is a good strategy as well.
Claims to be debt collector from payday loan that I did NOT have. Threatening messages asking for attorney info. and saying “God Bless You and Good Luck”. Speak VERY broken english. Gives American/English name with STRONG middle-eastern accent. ie: Officer Mark Reneiecen, Aaron Thompson, John Adams. Threatening jail time, court fees. Sometimes claims to be from “All American Financial” or “Federal Dept. of Justice.” Claims to “download” a subpoena..arrest warrant…law suit..going to arrest me at work…meet me at courthouse. HILARIOUS considering i actually work for the state level Justice Cabinet! Sometimes claims to be representing CashNetUSA or CashUSA.Net. Call cell, place of business..and anyone you may have listed as a reference on an online payday loan….from years ago! Gave him the # to may attorney….the Better Business Bureau….became irate.
#s used:
646-653-2116
347-635-5971
358-956-4259
502-291-3000
202-241-5919
592-672-7369
421-781-8274
646-571-3386
646-396-9593
954-849-4843
585-331-8325
Had a similar situation.. I got threats from NCN… I told then to F**k off. I also recorded their conversation and gave it to the police. They are investigating the threats. Don’t worry they are all scam… The cops are still investigating… The cops contacted NCN guys.. (who were probably freaked out…lol) and these guys said they had nothing to do with the calls… Its just a made up fake company name… and they are just making prank calls…
One big advice PEOPLE!! Try to avoid giving out your personal information. Avoid any suspicious telemarketing calls (they get your info) or signing any document at your doorstep…. This decade is FULL of scammers… so, DON’T get cheated!
I got a call yesterday from a company called PDLR. This woman’s name was ms. ingram and she didn’t have an accent like a lot of the companies sited here. She did say that she was trying to settle a payday loan that I supposedly didn’t pay before they starte wage garnishments. She couldn’t tell me who the original loan was with–said they weren’t a collection agency–but that the original company ha sent paerwork to me that was returned when I demanded proof of the debt. The number they called from was 630-844-5678. Neither the company name or phone number popped up when i googled, but this is clearly a scam. I called back the number and the same person answered, but she didn’t identify a company. As far as I’m concerned, they can pound salt.
Same thing happened to me same name and number on my phone. The number to get in touch with Ms. Ingram is 1-877- 258- 1188. When asked the name of this company they refused to give information and hung up. Names used are Ms. Barry, Ms. Ingram, and today Ms. Rios. They are threatening me with wage garnishment etc. They refused to give the name of and original debtor. I have no recolletion of oweing. Need to know who to call to stop this.
Same phone number only it was a Tina, wanted to have me pay $690.00 to pay off pay day loan, asked for copy of original bill said they didn;t have it , gave me 1 week then garnishment called my lawyer yet to hear back.
Ann, I just got a call last week from the same phone number. A “Juan Hernandez” has called me saying I owed on a payday loan; that it was taken out in 2008 and when the company tried to collect in 2009, there were insufficient funds. They are threatening to suspend my driver’s license unless I pay them $300 within 48 hours – after that, it becomes $1400. I was so upset, I went to the bank and got all my bank statements from December 2008 to present. Nothing returned for insufficient funds. Mr. Hernandez just called me at work today and I’m about to call him back. What a scam – glad you didn’t fall for it!
Same thing happened to me today with the 6308445678 number. She told me I took out this loan in 08 but when I asked her the name on the loan she told me it was my married name which i didn’t have until after that date. Then i told her i am not working and she said she didn’t know why anyone in their right mind wouldn’t want a job or have a job. She then said” well at least I have a job and pay my bills” Little does she know I am a stay at home mom taking care of MY children! Ugh so annoying!
These same people are doing me the same way. the name they use are, Stacy Smith, and Mrs. Johnson. the numbers are,813 262 0349 877 269 0088 Miss Ingram- 1 877 258 1188. I need to know what to do.
Had one couldn’t get date right and the date they did give I was out of country so got there number called uncle who is a cop in the city number came from he busted 3 hindi’s man were they surprised. no doing time in nice cell in the desert and face being deported upon finish of jail time, Yes bubba loves his new roomies too
I have had three scams come to me. This has got to stop. They call my job and harass my boss and other people. How do they get you job phone number? ACS just scam me two week ago. Look out. Now I have a new one. Here is the phone number 760-269-3830. You know they are have another country. You cant understand them. They Just threaten you. Someone stop these jerks.
I have just dealt with ACS. They have been hounding me for a couple weeks trying to get me to pay them a total of $625. One person calls then immediately hands the phone to the “supervisor”, Denis Petersen. They even faxed and emailed me a form to fill out (completely bogus) to authorize a (credit card only) payment plan. When the date of the first payment approached they became very aggressive, calling my cell over a dozen times in a row in one instance. Today they called my primary job(a hospital ER) yelled at a nurse and called her a stupid bitch, My coworkers rightly freaked and went to my manager who called me. I assured her these people were scammers and told her I would immediately call the FTC and states attorney’s office, which I did. I also had her apologize to my coworkers. I was so upset, I was shaking. I called ACS and confronted a Denis Petersen, who had been the fake supervisor bullying these payments. He told me he could call me the same things and hung up when I said his behavior was illegal. I then receieved two calls on my cell. I call back and say stop calling my cell. This Denis Peterson yells at the person who called me “why did you call her cell, I told you to call her work so she loses her job!” I just told him he had been reported to the authorities and they were investigating. He yelled at me and said something to the effective having his “balls to my throat and how did I like that” then hung up. I have heard no more. I am terrified to go to work. The numbers are a NJ number beginning with a 973 area code and the company number starts with a 646(NY). Beware!
Thanks to everyone who shared their story here. It’s pretty frightening what these companies are doing. But hopefully these posts will help others stand up and fight back.
Please be sure you also file a complaint with the Federal Trade Commission at FTC.gov.
I am receiving threatening call from 877-673-8289, they left a message but also spoke with my father at my house. On the message they guy speaks so fast but I think the name is Darrell Hines. He tried to say he was a court processor and that they were coming to my house and work to server me papers for check fraud and he also told my father this on the phone. In the message the only number given is the one above and that is for “Payday Solutions”m which I found out when I returned the call. They later called back and asked for my daughter by name. I plan on following through with reporting this person and the company to the FTC and the Texas Attorney General’s office.
My Aunt received a call from a certain Angelina Parker who claims to represent Marshall & Associates regarding a pending lawsuit against me.
I also received several calls from an unidentified no. but the call sounds like she’s calling from overseas and can’t make out the details. I called the Lady back and a male with a heavy Indian accent answered “Hello this is Dominic, How can I help? I asked the man the name of the company he represents and he goes Marshall and Associates. And he asked for my phone no and he goes “ I don’t have that number in my system”. Yeah, exactly! ‘And he continues on asking me “If I have been briefed” Briefed about what? Moron. Oh! you have a pending lawsuit on committing fraud for taking out 35 payday loans, the bank tried to collect but they can’t take
Money out of your account. And I said really…you can actually take that many loans in one shot. I asked the wise Indian man that if I really do have a pending lawsuit
Why not send all your correspondence thru the mail since you have all this info on me. He said he will and wishes me luck. The scammers use several names like Daniel Richards, Dominic Jones, Angelina Parker and gives you a bogus address in Irvine ( the idiot cannot even pronounce Irvine, he goes Irwine) when his phone no registers East of San Francisco Ca. Please do not be intimidated by these people. Since a lot of our companies in the US outsourced most of our call center /customer service jobs to India, we have been primarily been the target of these scammers. If they call ask for the name of the company they represent, address and call back numbers. Another phone no they used is (425) 216-6611. Take note and report to FTC and your local FBI. The more reports we submit, the more legitimate our case will stand. Maybe the local newspapers will listen and write an editorial for a valid issue that does exist. We’re Americans and were not giving up without a fight! I will watch them like a hawk and hunt them down like a MF ready to blow their little Indian holes!!!
these idots have called me a fewl times, the first time i didn’t recognize the phone #, so i let it go to voicemail. this guy had such a thick accent i had to listen to the message 3 times before i could piece together what he was trying to say, and had to laugh. i’ve never had a payday loan and i know that there’s no way the sherriff was going to have me arrested for a loan i’ve never had. he called back about 1/2 an hour later, demanding i pay $950 immediately and if i didn’t i would be “in big trouble”. i laughed at him and told him i do not fund terrorists. he then got very mad and called me an “American whore” and started making very graphic sexual remarks about me.
i got a little mad, but i’m trying to quit smoking so i decided to give him some back. i let him know he had a lot of nerve getting mad at me for calling him out for trying to extort money from me, that his father shouldn’t be “telling our secrets” and basically telling him he’s so filthy and disgusting he no woman would ever want him, he hung up on me before i could finish my sentence.
the same guy called be back the next day reading the same script, i asked him if he remebered me of course he said no and they had increased the amount i supposedly owed them. i told him his father said he would pay off the debt. he hemmed and hawed for a few seconds then tried to yell and belittle me somemore, so i talked over him, saying all kinds of nasty stuff to him.
he said that he didn’t have to take the abuse i was giving him, i told him since he called me he could either take whatever i decided to say or hang up and loose my number. i haven’t heard from them since.
I received a call on Jan 25, 2011 from Law firm of Anthony H Rodriguez 877-255-2162. He said they are about to take me to court and sue me for check fraud. He said that I defaulted on 5 payday loans and in order to stop the law suit against me, that I have to pay them $3000. He said I can set up a payment plan by paying $500 dollars first. And $300 monthly. He said if I don’t come up with the money today that, the next day I will be served court papers to appear in court. After speaking to them, I googled their phone number 877-255-2162 and many people had the same story about these people. So I called them back and I asked them to give me the address of their business location and he gave me 1001 State stree, suite 1400, Erie Pa. I googled this address and found out that this address belongs to Moody Law Offices 814-464-9464. I called Moody Law Office and asked them were they affiliated with Law firm of Anthony H Rodriguez and they said that they never heard of them and they were not affiliated with them. I called Anthony H Rodriguez back and confronted them about this, and he started cursing and they hung up on me. I’m so glad I didn’t give them any money.
In November I went throught the same thing. A call form a number on my cell phone form a “Bill Paxton” A Mid-Eastern sounding man telling me that a law suit had been filed in my nmae and SS number over an on-line payday loan that I did not pay back. When I asked some probing questions like what state and county tha law suit had been filed in what was the docket number. And when I asked for written verification of the debt he became very upset and put me on the phone with his ” supervisor” he informed me that an investigator would be sent to my home and place of work and that I would be arrested and could end up with 6 years in prison. I told him to go fuck a PIG. He then stated yelling at me in a language I could not understand then hung up on me.
Hi!! Well I had been receiving calls to my workplace from (716)218-2000 leaving me messages saying that they are a Law Firm QA associates and that I need to contact them immidiatly so I didnt because I was at work but next day they call again and my boss let me take the call and they want me to pay $570.00 right away with a credit card so I said I dont have that money at the time but I am welling to make arrangements to get this fix, so they didnt want no arrengments they want the whole amount or they will sue me for check fraud, so I got scare and I had a lot of financial problems and personal problems too and start getting ansiaty attacks so that night I end it up on the hospital. So it pass a week and they call me again to my cell phone so on the caller Id had 0000000000 no number and I didnt answer so they leave a message that they will serve me on the 8th with the sherrif at my house or my work and take me to jail, I am scare with this people I can go to jail I will loss my work I had my mother with surgery and cancer and she needs me to take her to drs. appoinment and I am helping her financially for her treatment so all these calls are getting me so scare I really hope to know what to do if some one can help me out and had some advice I will appreciate, I had read some of others people experiences with these scam companies that it calm me down a little bit but I cannt immaging me seeing my mom saw the police taking me she will be very scare and I dont want to think how she is going to get. These are very bad people scaring people like that is no reason why they have to do this, I just ask god to forgive them and bless them so they stop doing these to the people.. God bless all!!!
Alma,
I am glad to hear you are no longer panicking. Debt collectors can’t have you hauled off to jail just because you can’t pay your bills. What type of debt is this? Do you owe it? Has this collection agency sent you anything in writing?
I can’t tell from what you are writing whether it is an outright scam or whether it is a very aggressive debt collector, but remember debt collectors must follow a federal law (and often state laws) that prohibit harassment and false statements.
We also have recieved several calls. We had applied months back for a payday loan. When the called us back to confirm they were only willing to give us half of what we needed so we told them we were not taking it. Now months later we are getting phones calls, with either the number coming up unknown or as 00000. The guy claims his name is John Frederick. He claims he is from the George Washington Associates and that unless my boyfriend calls him back they will have to take him to court. Repeatdly asks for our attorney’s information. We have told him we don’t have one and he tells us we better get one or pay the debt. My boyfriend works out of town during the week, so the first time I got this call I said this and asked for the name of the company that they are persuing the debt for. He will tell me that he can not give me that information. Yet when my boyfriend calls them back they will not answer his calls. Today I told him he abviosly has all our other information, so if the debt is real send it to us in paper work, and to stop calling because we have already notified the authorities. I then told him to have a nice day and to F*** off. When he leaves message’s on our machine they always end in “if we don’t hear from you today all I can do is wish you the best of luck as this badly unfolds on you.” How do we stop these when there is no number? Its really annoying.
Beth – I wish I had an answer for you as far as stopping the calls. You may want to find out if your phone company offers a service that screens calls for you. (It requires callers to announce themselves and you then choose whether to take the call.) Google voice does this for free. It will allow you to select which calls can go through without announcements and which ones you have to screen. I use Google voice and like it alot. It might do the trick for you.
Recd a call from 877-269-0088 from a Miss Rios stating that I owed 5000 for a payday loan first of all you cannot take out that much money and second of all if was from 2 yrs ago and when I asked them to send docs they said that they could not I told them I don’t pay anything unless I signed for it and I have copies of it. They threatend to garnish my wages, couldn’t understand what co that they were from. Then just today I recd a call from phone no 877-258-1188 from a Miss Berry stating that my payment had not gone thru well duh of course not I don’t owe anything and she left me a msg to call her back in 2 days as she was going to garnish my wages fat chance I work for the federal govt and they wld love to see this come thru talk about serious jail time im lmao on this one already contacted authorities and changed bank accts BEWARE THEY ARE IDIOTS
Had the same call as Jeannie. I originally got a call from MS. Gilmore and now MS Berry from 877-258-1188 stating that my payment did not go through and that they would be proceeding on garnishment. I feel this is a scam. The call from MS Berry came through on Fri afternoon 4-1 at 4:45PM. PDLR is the name of the company they claim. I did call the number back this morning and the person that answered the phone call asked me for my phone numbmer and then told me that MS Gilmore and MS Berry do not come in before noon. She told me I wouold have to call back then. Don’t most legit collections agencies that give you a number and name to return a call to at least have voice mail. I feel this is a SCAM and I hope it stops soon. Any ideas what i can do in the future to stop these people? Please advise if you do
This is a scam do not give them any info or money. My daughter has been getting the same thing. I repeat this is a scam. Read my post of july 9th, 2011
Becky,
Creditors cannot generally garnish your wages unless they take you to court and get a judgment first. Even then, there are restrictions on how much be garnished. I am not sure of all the circumstances of your situation, but remember, a debt collector is required under federal law to send you written notice of the debt, and you have the right to request verification of the debt if you dispute it. Any collector that won’t abide by federal law is either a scam or can be sued for breaking the law.
Well, I didn’t receive any calls, but got 2 letters from Quick Cash in Houston Texas.
They said they would charge me with fraud! I’ve already discussed this with my attorney,
Beware folks. The first letter I got, they wanted 1300. and used a old address from 2003 and the supposed date of the debt was 2007!! I didn’t even live there in 2007! The second letter I got was for 984.00 and they would call the DA if I didn’t pay up.
These guys have got to be stopped!
you took out these loans now you people dont want to pay them back and eveyone wonders why the economy is the way it is cause of people like you get off ur a** and get a job and start paying back your debt
John,
If you’ve read this post and thread thoroughly, then you’ll see that these consumers do not owe these debts. Their data has been compromised and they are being pressured for debts they don’t owe.
These consumers are being scammed and paying these guys will not improve our economy in any way, as they are based overseas.
I’ve gotten calls from PDLR- IT’S A SCAM! Beware for Miss Berry, Miss Santiago, or Miss Stiles, who all claim to be supervisors! The said my wages are going to be garnished in 2 days, we had an extremely heated exchange in which Miss Berry started talking trash about my mother, lol. Then when I insisted on proof of the debt, how much I owe, & who they are, they told me that I would get an email after the 1st payment is made. Initially I thought it was a legitimate debt & gave my credit card info, but after googling this agency I’ve found it is a scam. Called my bank & reported it immediately.
I had calls from Texas and the guy was just talking and talking and he wouldn’t let me talk so I said how do I pay you, he said give me your debit card, so I said **** you, and he said the cops are going to come in 24 hours and I’m going to lose the case, so I said **** you again, think about what person who is Arabic is named Michael brown
My calls started with ones with Indian accents but has moved on to calls apparently from
here in the states. Pretty much the same crap just now it is from the homeland. Recently it has been from Obrien, Wexler and Associates 877-334-5288. They called my home and left a message, called my cell, called work and even called my brother which I am not sure how they got his number. I wonder if they searched it because it has never been on a payday loan app.
These scams are posted all over the internet and I wish more could be done to stop them.
The next time I will tell them I am recording the conversation for my attorney and I have listed them on my local AG site along with the FTC.
Funny thing is, they do have a website but anyone can get a website these days. They are also listed in the BBB website with a C- rating. C- because of complaints. Their website domain is through GoDaddy. Now thats classy.
I got this call at my work telling me to pay this payday loan. I Took out. I never did. I consulted with my attorney and he said to its a scam because they have to sent you something in mail. I never got nothing. No court summons or anything. Beaware here is the phone number : (213) 260-9435
Name: Officer Allen.. So he says. God knows his real name.
Please dont fall for this crap. I lost money before in a different scam. Learn from my mistake.
I got a call today from some lady named ms jones nichole i think was her first name saying she was a process server and that i i was being prosecuted for fraud on a payday loan this person also called my family members and telling them the same thing she said she was calling from ACS litigation i called and gave the ref number i was given and they said i did a online cash advance which i didn’t i asked for documentation and they said they would email me but nothing has been sent they also wanted a cc number i told them i want to see my signature they also said when they tried to get paid the bank account was close and they said this was back in 2007 the number they used is 866-574-8858 they also said they would prosecute does anyone no anything or can help me
Ok this is the second call I get the first one my sister in law answered and she was given a woman’s name and a phone number and case number…. Well just a couple of days ago they left a message a guy supposedly named Peter Hersh said to call this number 1-866-583-6379 and left the name of ADR Firm and that it was my last chance to contact them before I got served but he said that the state of California was suing me….Hmmm this did scare me because I don’t know why would the state be suing me? Well I am glad I googled and this came up. It sucks this happening to us. I would just like to know what can we do? Is there somewhere we can report this to?
I received a phone call from a Cyrstal from a restricted phone line stating that she had papers to serve on my husband in the next day or two and to call this number 855-212-9406 to find out what it was about. I called and spoke with a Paul Landon who said it had to do with a payday loan and that if it wasn’t paid, my husband would be served at work. He then went on to say the amount was 1,100 but he could wipe it down to 580 if we would pay it right away and he would even let us pay it in 3 payments. I told him I had to talk to my husband and he said not to take to long as he was waiting to have him served and him arrested. Then he gave me his personal number which is 716-462-5680 and the company he works for is Outsource Legal Prep (but I only found this out but doing some internet searching – and it seems to be owned by Kevin Walker). I’m glad to have found this out as at first I was scared but now since I know it is scam I just called them back and told them to not call me back as I know it is a scam and I would turn them in to the proper authorities if they did. Thank you for posting this information.
My daughter has been getting these calls for a year and a half now. The last one was on 7/09/11 and same thing owes money, threatens legal action. I also would like to say that we have had them call from five different states. This last one instead of sounding like they were from India or that area they now speak english that you can understand but gave me mexican names, Mr. Garza, Juan Henendiz and are out of Aurora IL. They did give me a P.O. Box #2 but no zip code with address. This is just a step up from the other scams they have played on my daughter. Call your State Attorney General, BBB, and their phone service provider (can obtain by reverse number look up). Call your phone service provider and report them as scam. Reporting to the police will do no good because every one that I have called tell me that there is nothing that can be done. If this continues I will go to our congressmen. I will not back down from these people.
continue from july 9th post.
Their phone number is 877-258-1188 ext 160 or 630-844-9252
Pat, I received several calls as well from this number 877 258-1188 and the number below. The caller said I owe $1,800 on a $300 loan; I laughed in the guy’s face. When I asked about the origination of the loan, they refused to provide the info, a phone number or something for this company they claim to be representing. But they will settle for $500 dollars to clear up the matter. They claim they are collecting money for Pay Day Today, whoever that is. They also claim that they had an court order to garnish my payroll also that someone would be waiting for me after work; What a joke, I contacted the Security and IT Department here at DOD on the matter. I don’t know who these people are or the company they claim to representing ….I did manage to get an email out of them asking me for my banking info.
From: Charles Lenard
PDLR RECOVERY GROUP
P.O.BOX 2
AURORA, IL 60506
877-269-0088
I recieved a call from 760-705-8888 telling me I wa approved for a loan for 800.00. Then they sent me to creditreport01.com and asked mr for my credit score so they can verify me…..WOW i knew something was up the they said someone will call me in a houe to get my routing number and account number to put my fund in my account…..Never got that 2nd call cause it was a SCAM for my credit score so they can apply for loans in my name…..I also recieved a call yesterday saying that I have been selected for a 5000.00 grant and i had to call 202 number and confirm my number they provided to me and then i had to go to western union and pay them 190.00 tro verify my identity and then they will release the fund…I said good day !!!!! IT WAS A SCAM!!!!
Just received a call from 1-888-553-2372 She said she was with ADR firm and said they needed to contact a friend of mine, who used me as his contact for a payday loan, so they could get his address to serve him with papers for fraudulent checks.
Kyle,
Please give your friend the heads up and send him or her a link to this blog.
Gerri
hi my husband got a call in july saying that he had to pay a 300.00 loan and after interest and all that it is 789.00. The company ACS claims that he owes this through cash advance america. Wehave talked to two different people James connor and Kevin Watson and both have the indian accents. So we set up payments of $50.00 a week since july so we have paid close to 400.00 so far they did send me something in my email of like a legal looking document and at the top the logo says “the united states department of justice”. then i was online today and saw this and read it and i dont know if this real or what? can you plz help?
oh and the number they cal from and we call them on is 845-445-2304.
Ashley,
The first question is, are you aware that you owe a debt to Cash Advance America? T
Second question: Did this collection agency ever send you a written notice of the debt by mail? Under the Fair Debt Collection Practices Act, collection agencies are required to send you a written notice of the debt within 5 business days of their initial contact with you. This is not optional – it’s required by law and it must contain specific information. Did you ever receive something like that?
Feel free to forward the email you received to us creditexperts@credit.com and put it to my attention. XXX out any personal info like account numbers or Social Security numbers.
We had never heard of this happening until we got a call today from 410-843-2822. They had left a message with my fiance and when I returned the calll they first said “hello”, which struck me as strange, since this was supposedly a law office. When I asked for the name of the company he kept trying to verify info. When Chad (my fiance) got on the phone they started telling him that he should answer q’s carefully as they could be used against him in court. They said that the case would be ‘downloaded’ with the courts – what kind of lawyer says that? We had applied for several loans, and had only accepted one – which we were paying back. The amount they said we owed we had never been quoted. The other strange thing is that though they both had very strong indian accents, they used very unlikely names – the supervisor said his name was Jack O’Connor. ?? DON’T FALL FOR THIS!!!! We told them to send us something in the mail and not to call again.
i know most of them as i have
worked for/with them.
90 percent of them call from
india(Ahmedabad,mumbai,Rajkot
or Pune).
When i went their office for an
interview, they told me that we
collect money from those people
who have owed money but
didn’t pay back yet.
I said ‘ok’
when i started calling those
people, most of them told me i
never got a loan.
Then i informed to my TL(team
leader) about
This problem,
he replied ”don’t worry, they are
lying, harras them”
by hearing this i thought this
didn’t sounds legal.
After that i googled and i found
that we were doing criminal
activities.
Next day i went to hr department
and told them i wouldn’t do this
f*cking job.
I tell you the whole path of these
scamers.
First of all,they get the whole
information about people
(including ssn. Phone number
(work place and home), email
add. Res. Add., fake ip add.,
birthday and many more)
they named it ‘leads’ for each
lead they pay 1 dollar which are
provided by other person.
Most of them call from an
application named eyebeem or
xlite.
They can display any number like
0 or 911 or anyone which they
want.
Do following things to stop them.
First of all speak english as a first
language.
Tell them that you are calling
from india(mumbai,
ahmedabad,pune or rajkot) and i
know that.
Tell them who provide you this
leads or where is your closer.
Ask them if you are an american,
then tell me few lines of our
national anthem.
At last tell them that stop calling
or i will contact your city police
via FBI.
Believe me they won’t call you
again.
But there are many centres in
india so may be, you can get call
from other but each time tell
them which i have mentioned
above.
My email id is
gosvammi.jayy@hotmail.com.
Forgive me because i have done
this job for 7 days, but that time i
didn’t know the truth.
Bye and take care.
Thanks so much for doing this. You have proven you are an honorable person and no one will blame you. Everyone needs a job but you were courageous enough to quit when you found out they were immoral. You have been extremely helpful!
I just had my first run in with one of these “companies.” I immediately was aware that it was gibberish but decided to play along. They were immediately taken back by the fact I have a British accent but continue their charade. I initially spoke with a female and the number was 0000. Typically I don’t pick up these strange numbers as I assume it’s some sort of a scam but I had a itch. She picked up said something and immediately handed the phone over to another counterpart. He of course made claims to a loan I took out in 2008, I believe. Along with check fraud and two other false claims. I immediately stated that I was only 16 than however he continued the pressure. Statements of we sent you multiple EMAILS, you’ll receive a summon, etc. After he continuously talked over me I stated in a very naive way ” So if I give you my credit card information this will all go away?” He replied in his absurdly thick accent “of course.” I than yelled “you vile individual I’m a law student and the likeliness of convincing me of any truth was impossible.” He continued to pressure me and I slyly said a remark in Spanish than hung up. The fact that I was 16 in said year and British alone should have made him end the call, very foolish tactic. They called me BACK RIGHT AFTER AS WELL. Might I also complain of the heavy background noise, completely spineless individuals praying on Americans suffering through enough of a crisis as is. If I receive another call I’ll take some of these actions to try and aide in ceasing this callous behavior.
They just don’t stop do they???
I’ve been receiving similar phone calls from 877-824-6758 and 866-981-6854, from a guy named “Bill Davis” and a woman named “Amy Rogers” who claims be Bill’s “partner”.. they first called my work and left a message with my supervisor, claiming that the have two charges against me and that if I don’t contact them they were going to serve me at work. Then the phone calls to my cell and the threatening messages followed. I finally blocked them on my cell. So, “Amy” called my brother’s phone and left a message for him, saying that I have charges against me and I was being taken to court. This really ****** me off!! What can be done to stop these people?!! Can I report them to the police?!!! I”m getting so fed up!!!
Sara,
Do you think they are calling from overseas? Are you able to get any kind of contact information from the “collectors?” If they are a legit agency then you can report and/or sue them. But if they are scammers based in another country you won’t have any luck with either.
Ok I got a phone call today for my husband. I know he took out a payday loan 2 years ago and it is with the people these guys claim they are collecting for. They want my debit card number so that my husband isn’t “served” and go to court and or jail for check fraud. My question here is can they even go for criminal action for a “check fraud” that wasn’t even technically a check since it was all done online. Also, should I just pay them? They said they are Lincoln something or other and the number is 877-607-5668 I have no problem resolving a legitimate debt but I don’t want to get scammed either.
Rebecca,
Ask them to send you written notification of the debt. They are required to do that within three business days of calling you. If they won’t, they are definitely not on the up and up. Also, debt collectors can’t make false statements. Telling you that you’ll go to jail for check fraud would likely fall under that category. (You can’t go to jail just because you can’t pay a debt. And you’re right – not being able to pay back a payday loan is not check fraud.)
Any chance you can look at the “settlement” letter they emailed me and tell me if this is a valid company?
Ok I have been reading everyones experience with these people which started with me last year saying that i owe a payday company that my ssn had something attached to it from the att general saying that i was going to be put in jail if i didnt pay… they would call me on my cell back to back..one day i answered the call and told them to send this to me in writing… they said they would but never did as I guessed.. That i would be arrested and jailed if i did not pay… this would happen every month i would get someone speaking in broken english saying that i need to call them —some of the numbers and names ..
ALAN STONE 704-389 0723 MICHAEL JOHNSON 204-449-0158 AND HERE ARE SOME OF THE NUMBERS I have them on reject –thats how many times they call.once the calls came 21times back to back like a computer was dialing them…7501003 is the one they use
another one 1023
282-726-2524
666-097-2878
702-664-1766
32665
6841
yes these are the numbers that show up on my callerid…
this will stop for a couple of weeks then they start again
WHAT DO THEY GET OUT OF THIS…..?????
WHO CAN WE CONTACT!!!!
THANKS
Pat,
Unfortunately some people are so scared and intimidated that they pay these bogus debts.
While it may not be possible to stop these scams (they are typically coming from overseas and may be out of reach of US law enforcement), US lawmakers do need to try to stop them at the source. They need to crack down on the websites where consumers are entering their personal information that is then compromised.
Please complain to your state attorney general and the Federal Trade Commission (FTC.gov). Your complaint will be entered into Consumer Sentinel, a database shared by law enforcement agencies. Be as specific as possible in your complaint.
I too was a victim but never again. These fools still call me. Ronnie Cooper, David Cooper, John McCoy. Ph’s 987-928-2683, 909-503-0684,949-752-4600,958-489-0227 and 214-446-9831. Same old scam, I didn’t give that a red cent!! FYI!! Please read this it was on MSN today. Don’t let these people get to you!! Please be aware.
I’m sorry here’s the website link from MSN.
http://money.msn.com/credit-cards/article.aspx?post=e87555b0-19cb-482a-b81a-070395e8ffdf
has anyone heard of P.D.L RECOVERY, FROM AURORA,ILL
PHONE THAT CALLED WAS 630-486-1900, they called
it sounded fishy and i goggled it and the number was cell
and all kinds of noise in the back ground
Just received a call from PDLR Recovery systems regarding a payday loan that was supposedly taken out 2 or 3 years ago and they were willing to settle for $500.00. I had originally made an arrangement with them. I then called them to cancel the arrangement at which time they stated they were going to call my office and start the garnishment proceedings. After reading your cover page and asking for the actual debt information as well as information as to the collection agency they worked for, they abruptly hung up. Thank you for the advice.
Steve – We’re so glad to hear this advice helped! Thanks for letting us know.
just had a call today from Marshall & Fields law office in Califorina they said, demanding attorney info on an old loan back to 2009 from paydayone, well that has been paid for, then they wanted info, then they called my brother as he was listed as refrence,they gave me a number to call back to 740-364-0537,, they guy couldnt speak any english but demand the info he requested well i hung up and waiting for the next call,, I hope he understands english as he is going to get an earfull
I received a message the other day from PDLR Group stating her name was Jan Faith to call back at 877-269-0088. I called the next day to find out what this was for. I spoke to Jan who told me I owed on a payday loan that dated back to 2008 or before, but didn’t have an exact date. The next thing she was telling me that if I dont settle with them TODAY and make payment arrangements with a debit card or a prepaid card for $700, I was looking at at least $3500 with lawyers costs and court costs but that they will not go to court. She said they will go straight to my HR department to start garnishing my wages. Unfortunately I have applied for payday loan before but have paid back the one I did. I cant even find a website for Payday Today which is the company I supposedly did the loan with. I asked for written proof of the debt, and all of a sudden was rushed off the phone telling me that I can expect to be called down to HR about this. She said the wage assignment I signed was my forfeit from court, oh but she wished be the best of luck and she hung up. My HR requires a court order in order to process any garnishment so I doubt anything will come from this. Thanks so much to the initiator of this post, I am glad to find out this company is a scam and I that I was not the only one who almost fell for it. These people need to be stopped as soon as possible. This is riduclous. It’s sad that people come up with stuff like this to do to others.
Here’s a new one:
Got a message today from a “Courtney” claiming to be a independent process server and that I am scheduled to be served papers on the 21st. She said she normally doesn’t call ahead but because of the circumstances she was this time. She stated if I was uncomfortable receiving papers for which I know nothing about that I needed to contact the originating company. Then she left their number 855-461-0744 and a “case number”. First thing I did is try to lookup the phone number but no reference to it anywhere on the interwebs? Okay, starting to sound fishy. So then I call the number, but of course it’s after 7pm Eastern (4:30p for me) so I get a chance to leave a voicemail. The voicemail greeting was for a Jonathan Vadeer?
I can’t wait to talk to these jokers tomorrow and hear the BS. What kind of process server would call and warn someone they were getting served on a specific day? Duh, they get paid only they serve the papers!
Payday loan scam – 804-728-0872 calling my work asking for the manager over 100 times a day, saying I owe money from an old payday loan debt – ultimately threatening me saying he knows where I live and that I cant hide from him, I contacted the police about it. Used several different phone numbers to call me on, couldnt speak english well. Wanted to find out personal information about me from other people, etc. Very bad man.
I have been getting these calls. They are also calling my job that I did not have at the time of this alleged loan. I do not want this to affect my job. They have called back to back and would not say who they are with and would not agree to send me a written correspondence, saying that they have sent several email. There is a call coming through right now while I am writing this from 1243521256 and yes that is all of the numbers…eh caller ID fraud as well. Indian accent said her name was Vaness ? and gave a call back number from 650-835-???? number. Omg! I am about to file a police report and open an FTC Case in my state.
Joseph – You may want to alert your employer. This scam is well documented from many sources so hopefully your employer would be understanding if you explained that you are being targeted by a scammer.
These guys have called me twice so far, at work. His name was “David Jones” and he was from my local sherriff department, the last time. I didn’t fall for it, so should I still report it? The first time they said I have charges being brought against me, they know the last 4 of my social. He asked for my attorneys information. He asked if I had ever been convicted of fraud before. He yelled at me and told me not to interrupt him or he would not be able to help me. He asked if he should send law enforcement to pick me up and I told him to do what he needed to do.
Oh and they said it was for a payday loan, the lender was American Credit Services. When I said I never got a payday loan, he said he didn’t care where the money went but its stealing if I don’t pay it back.
Yes, Kelsi, you absolutely should report them! And next time they call tell them that you have done so and that you will be recording the call. That usually stops it.
I have received many of the same calls. i also received a call from National Check Fraud Center who stated they had a warrant for my arrest ready and processed and waiting to be sent to the sheriffs department in my county. Unfortunately I am one of the ones who was so scared that I did pay. I did have a bankruptcy and the payday loan was unfortunately included. The debt has been discharged. The National Check Fraud center stated on voice mail to consider myself served as I would and that this was illegal and could not be counted in a bankruptcy. Anything on the National Check Fraud Center?
Lynn,
I am so sorry to hear you paid this debt! It sounds like they are the ones acting illegally. Debts included in bankruptcy are protected by the automatic stay, and once the debt is discharged a creditor cannot try to collect it.
And this doesn’t make sense: “they had a warrant for my arrest ready and processed and waiting to be sent to the sheriffs department in my county.” If they did have a warrant for your arrest, why would they tell you that other than to try to shake you down for money? It would be smart for you to call your local sheriff’s department, explain what happened and ask them if you can file a police report.
Lynn, I am really sorry to hear you have gone through this. Please be sure to report these guys to the FTC at FTC.gov.
I am getting calls frequently,various numbers,started about a week ago.It is scary,and upsetting.Latest is from1-718-841-6480.Thaey call work,threaten to file charges against me,I will be arrested if I don’t pay.One guy tried to get me to pay $560 immediately.I didn’t.Help
Paulette – Don’t let them scare you. Remember if this is the debt collection scam (and it sounds like it is) then just remember they are sitting in a boiler room somewhere – maybe not even in the US – making false threats. If you need to, call your phone company and find out how to put call screening on your phone. Or get a google voice number and set it up so that only calls from people you know go through.
Tell your employer what’s going on. You don’t want to lose your job because of this. You can direct your employer to this story if need be.
hi, i have been a victim of these payday loans the calls and threathens me that i will be brought up on charges these guys need to get caught they are usually foreingers that call i just rec eived two miore calls today from# 818 659-5712 and661 752-5174 i want to report these people how do i go about this so we may catch these thugs i have stressed out over this i need help… sincerely paul giordano ny
Paul – I know it’s not easy, but stop stressing. These guys are sitting somewhere in another country calling as many people as they can. They can’t hurt you. So understand that and don’t let them scare you.
Turn the tables on them. You can report them to the FTC.gov. Give the FTC as many details as you can. If you did apply for a payday loan online in the past, be sure to include the name of that site in your complaint because your information was likely sold or compromised and the FTC needs to know where these guys are getting personal information. That information will go into a database that is shared by law enforcement and other governmental agencies.
Next time they call tell them that you have reported them to the authorities and that you would like to record the conversation. That may very well stop them. If not, talk with your phone company to see if you can set up some kind of call blocking or call screening so they can’t get through.
Let us know what happens!
I recently received a call from a Joe Banks. The number he was calling from showed as unknown. He left me a message that was not professional and proceeded to call my mom and sister. The number he left for me to call was 877-230-6756 for ACS. I did not provide them any information and ask that my sister and mother do the same. I will not pay money to someone unless they provide something in writing as proof the debt is mine.
It is your right to get written confirmation of the debt. Stand firm on that one.
Hey I have been getting calls from an agent bryan claiming to be from The Fraudulent Investigation Department. Number is 3474180337. He had a thick accent. He has threatened to come arrest me at my work place. Has anyone else heard of this company. Are they scanners? Also second company I missed the name but phone number is 6303320770. This guys name was adam woods. He has been threatening me all day saying I have to go to western union and transfer money to them. I believe this is a scam. He says I will be arrested if I don’t. Any suggestions
Jason – It absolutely sounds like the classic overseas payday loan scam. Don’t send them a penny. Remember, in the US a debt collector is required to send notification of the debt to you in writing. If he doesn’t, HE’S breaking the law. Report these guys to the FTC and your state attorney general.
We are working on some of our clients payday loans and they are getting these same calls. One of the clients were scared into paying them until I looked it up. They said they were from payday loan recovery group. Saying she owed a loan from 2008 for 1,200 and she can pay it in full for $399. She was scared into paying but I told her to cancel her creidt card before it went through. They send her an invoice on the decline. The processing company is http://www.eprocessingnetwork.com/. This is definitly a scam. I have had it happen to multiple clients. First they said the were from EWA Recovery Group. The email came from Charles Lenard” . Which is weird becuase it is a yahoo account. What company uses a yahoo account. This is there phone number that was listed on the email (877) 601-5871.
Thanks for the info. It’s sickening how these scammers are making money off people in difficult financial straits!
I have received calls nonstop from 4 AM to 9PM at night off and on for months from these FOOLS at ACS specifically Dennis Peterson, et al. I did apply for a PD Loan years ago but have since paid it off. A couple of weeks ago they called my work place nonstop for 5 hours tying up the phonelines, cussing at me, my boss and co-workers thus prompting my manager to contact the Sheriff’s Department. My Manger had to file a Security Incident Report (because I work for a Gov’t agency) and when they Security Officer responded to my Manager he stated that this was a scam/crime ring. They stopped calling for about 2 weeks and now they are statring to call again from 00000000. I don’t care if they call my home/cell phone because I can turn on my call block but calling my work place is ridiculous and is harassing to my employer. How can these terrorists be stopped???????
Leeza – It’s a really good question. How do we stop them?? They are overseas apparently beyond the reach of law enforcement. Have you reported them to Ic3.gov?
PDLR is an unliscensed debt collector out of Aurora Ill
I asked for their liscense number and they would not give it out
I checked with the ILL attorney general , they are not ligit
I too have been getting these calls as of late. I took out a payday loan from Money and More back in 2008 and did it online for $300. I have since paid the loan back, but am now getting these calls as well. They’re coming from multiple numbers in different states. The numbers I have are 631-247-9920, as well as the 716-299-0417 numbers and 757-275-8578. They’re obviously using some system to be able to call from other numbers. I usually don’t answer and call the numbers back to find out who they are and I go straight through a switchboard to an operator who refuses to tell me who they are or what company they are calling from. They claim that there are “lots of companies in the building” and that they don’t work for any particular one. Anyway, I answered one call a couple of months ago when I got a message about a case number and told them I’d paid that off. They informed me I would have to secure a police report (?) and a lawyer, but I just hung up on them. In the last few weeks, I’ve gotten calls from a guy claiming that I had one final chance to resolve the matter or he would be turning my case over for processing. Of course he had all my info as well from my application. First, he called my grandmothers house to harass her, then called me back claiming that he had an address for me and would be filing the paperwork. This guy did not give me a name or a business. He just claims “I’m calling again to inform you that you need to contact the firm handling your claim.” Then today, I get a call from another guy calling himself Bobby Jones from “the mediation firm” regarding reassignment of the claim and that he had obtained a locating service to verify my address for processing. I still have not received anything in the mail verifying the debt, and I’ve already had to file reports through BBB once because Money and More reported the debt to the credit agencies, but they put multiple accounts on ym credit report. When I contacted the BBB to have them removed, they were removed initially, but then reappeared about a year later.
a week and a couple days someone name peter spencer calls me from a number that was shocking to see come out on my fone and it was a number like this +0000, the caller peter spencer calls me and leaves a voicemail on my fone and tells me that he is with legal account association saying that I owe and amount of $710.00. I couldnt understand a word they said, he sounded russian/indian and he had told me that I have to make a payment as soon as possible, or I have another option to fight it in court. he left a call back number 646-504-2448. the called peter spencer also had said that I can maky my payment through western union or he can take my card number. he has been bother ever since and ive not answered. I watched the new saying to becareful now days because there is alot of SCAM going on.
At least you all got calls. I was checking my credit report last night and out of nowhere my rating had fallen. I was actually excited I was going over 700 as of last month but as of today it fell to 609. Went to transunion for details and some collection company named Northern Resources Group PO BOX 566 AMHERST, NY 14226 (888) 447-2490 has hit my report for some bogus payday loan I never took out. I’d never take out a payday loan. The original debtor is name Global Payday Cashnet. They say on my report I owe 525.00. What the eff is that all about. I filed an investigation with transunion over the debt. Also noticed an address under my name in Missouri they have on my report. I’ve never lived any other place except California. So I reported that as well. How did this happen?
Wow, Mark. Good thing you caught it! Sounds like they reported someone else’s debt on your report. Let us know what happens.
Yesterday TimScott called my sister and left a message on her VM that they needed to get in contact with me because i was being charged with 3 counts of fraud. I called the number she gave me back and the company was identified only as national. The number is 888-209-4285. He said before he could give me any info I had to verify my address and the last 4 of my SSN. I did and then hetransferred me to a woman named Donna who informed me that I was being charged with fraud because I took out a payday loan in 2006 and I owe them 1000 but they will settle for 700 to keep me from being “served”. I did take out a payday loan not sure if it was in 2006 paid back all of the money and it definately was not for 1000 or 700 or anywhere near that I only made 10/hr at the time and there is no way they would give me that much money! She informed me that if I gave her my bank acct info or credit card #s she could stop the attorneys from serving me. I told her I was uncomfortable with that and she told me I was being uncooperative. I had my husband call them back to try to figure outwhat the issue was and they gave him all of the information that they had given me and said I would be served for refusing to pay and did not even verify who he was. my husband asked for a physical address and business lisence # and they hung up. So I called back and pressed 0 for operator and was eventually transferred to Stacy “the manager”. She told me the same thing….. being charged with fraud etc. i asked for business lisence # and physical address and she said they do not give out their address and would not give me her last name for “security reasons” . I told them i would send a check and she said i could not because i had previously defaulted on a check (untrue) i told her i would send a money order and she said they do not accept paper transactions the only way i could settle this is with credit card numbers or i would be served for refusing to pay. i told her i would look into it and call her back. I then researched this, filed a complaint with the FTC and the NAAG and then came here and found this. Please do not anyone fall scam to these creeps. And i hope they are reading this you are caught!!!!!
I just got a call from someone who asked if I was at work and that they were coming to serve me. The number was unknown on my phone, but my mom’s number shows up that way too so I thought it was her. The lady said that she had to serve me, but I could call this number and ask for the Legal Dept. I told her I was driving and she said she would transfer me. They are accusing me of check fraud from a payday loan I took out in 2008 from Sonic Cash and said that my bank account came back as NSF. I remember taking out a payday loan, but it was paid out. She said I could pay the amount of 740 and they would send out an release of order to the server. I didn’t have the money, but she took 100 and said she will take out the rest on Friday. I told her I would go ahead and pay but would research who this is from because I don’t want to lose my job or go to jail. It’s the whole check fraud charge that scared me. Told me that if the amount was a felony that they wouldn’t be able to release it and I would have to go to jail. I’ve been having a very bad month and am super stressed and just want this to go away. Is this a fraud? Should I report it? The person I talked to was Monique and the number is 1-877-913-2578. It’s very scary that they have all my information. They gave me my social, an old address, names of family members, my work email address. I don’t remember ever getting anything from these people and do remember paying back the loan.
Ronni – That call has all the signs of the payday loan fraud scam. Don’t get panicked about them and please don’t send them any money. Of they were a legitimate debt collector they would have to send you written confirmation of the debt.
There are different theories as to how these scammers get consumer’s information, but it’s not unusual for them to have complete info on file. That doesn’t mean it’s legit.
File a complaint with your state attorney general, and the FTC at FTC.gov. Let the company know you’ve done so.
This may be a huge hassle and very stressful, but you’ve done your research and ball is in your court now.
I have been receiving calls from what sounds like the same group of folks. Starting last week I had a voice message from “Justin Jones” stating that I needed to contact him immediately or have my attorney contact him that I would be sorry. If he didn’t hear from me that I would face some serious legal actions. He also said that they would come to my workplace or my home and I will be the only responsible person for further legal consequences and that I should call him bsck immediately as soon as possible before its too late. Thank you and have a blessed day, goodbye. It was very broken Indian dialect. I returned the call and spoke to Derek Anderson. Apparently Justin Jones is one of his “officers.” I was told that They would be willing to settle for $998 in lieu of the $1795.00 they said I owed them through Advance Payday Loan. I have never taken a payday loan. I needed to give him a debit card or send payment via Western Union right away or they would have the sheriff come arrest me on the following three charges. 1 violation of federal banking laws 2 Collateral check fraud, and 3 Theft by deception. I asked for a physical address so that I could send the funds via overnight delivery or some other traceable method. He did not want to give me a physical address but after much questioning from me he gave me an address of 633 Marimbo Street New York, NY 10023 But that they would not accept mail payments, only Western Union (he forgot about the debit and credit card at this point)
Two different phone nos were used 646-328-2038 & 866-696-6374
This morning I had a very similar call from and East San Francisco number of 510-256-0361 at 7:21 a.m. Florida time, 4:21 a.m. SF time
Glad you didn’t pay them Janet!
My husband got a call from BG capital they said they were in New York but who really knows. The gentleman sd he was an investigater w/ an attorneys office and that they were going to be filing a case against my huband for a bad check he wrote to a pay day advance place. I am a third pary bill collector. We follow the FDCPA and any ligitimate agency will also follow the guideline/laws set forth in the FDCPA. My husband hasd me talk to this gentleman. He wanted $250 to settle this $900 bad check. None of the facts this guy was saying added up, I asked him to validate the debt, we wanted a copy of the said check, he wanted to email it…NO WAY. I beleive these kind of call’s are “phishing” calls trying to get additional info to somehow scam us further. I will be filing a complaint with the FTC for this man several violations of the FDCPA.
Wow! I am so glad to read all of this. I have a valid debt from 2006 on a payday loan but the two collectors calling me are saying two different Company Names. I have a “service processor” calling me too stating I have “charges against me” and he will knock on my door tonight. He even identified my vehicle! Scary right. So dumb me…. gives my credit card info to the other collector calling to settle. After reading this… I just cancelled my credit card immediatley with the company. I am all about paying my dues but I have cleared my credit in the past 3 years. I did a credit check… this debt isnt even on my credit report and its been 6 years!!!!!! Really?!?!?! Anyway, I am grateful for reading all these stories and it just so happens that one of the company names they said they were calling for is in fact on the list of scammers! So I have contacted the old payday loan place and they dont have any illegal charges pending against me. I didnt think so. THank you thank you!
Erica –
We love hearing success stories! You made our day.
Gerri
I am writing you from PA. I’ve been reading through all of these posts. And it is amazing. I received calls just the same as those described above…but the calls didn’t stop with me. The “processor” went so far as to call my mother, mother-in-law and my employer (HR Dept) leaving messages stating “You will be served”. The message left with my HR dept at work, said he was calling to find out their process for serving me at work. Like the many posts above, I called the 888-521-2153 # left for me by Alex Summers (sp?) the “server” who called from a couple different numbers. Once I got to someone, at the 888#, they answered the phone as Nationwide – that’s it. And asked for the claim number which I gave. They then proceeded to tell me charges were filed against me, for a loan from 2008 from both Mt Partners and Money & More, and that I needed to pay them $1035 to end the papers being served to me at work. So I questioned why I have not been sent any of this information to my home, the claimed they are only the mediator here to offer me a solution. So I was getting nowhere and was connected to a supervisor, who was very rude. I asked where my verification was that I actually owe them money, he said my verification would be when I get served at work. I asked how they will verify that these “accused” debts are settled, and was told that was none of my business – really? So I am supposed to just hand money over to you, with no verification that indeed 1) I owe the debt 2) it has been settled in the eyes of the company I owe it to? Not to mention, if I did indeed owe these debts – where are they on my credit report? So I requested that ALL communications from their company, and the “server” Alex be stopped – they are not to ever contact my employer, or me, at my place of employment, nor any of my family that have been contacted. So frustrating to know that this company is able to do this.
Thanks for sharing your story Kristen. Frustrating that more can’t be done to stop this kind of thing, but at least you researched it first!
I received a call yesterday from a law office stating that they were going to have me arrested for fraud and theft for not paying a payday loan. They said that it had been over 21 days since I made a payment and that if I wanted to proceed out of court that all I needed to do was put $385 on a green dot moneypak card by today. I have taken out two payday loans just recently and just had my first payment due on Friday which I paid. The number that they are calling from is 401-648-7325 by a Lisa Green. She also said that the money had been deposited into my account and when they tried to take payments out they were not able to. They also would not give me information on when the deposit took place and what company the payday loan was through. This sounds like alot of the other posts that I have read but I don’t want to take the chance of being arrested…what do I do??
Danielle,
Saying you are going to be arrested for fraud because you haven’t paid your payday loan is a bogus threat. The fact that they have all this information about you does not mean it is a legitimate collection attempt. And the fact that they want you to pay with a moneypack is a big red flag. I’d suggest you turn the tables on them and report them to the Federal Trade Commission and Consumer Financial Protection Bureau (consumerfinance.gov). Next time they call start the conversation by telling them you are going to record the call to provide to law enforcement – and do so!
I received a recorded call at work that said I had written a bad check and would be served court papers at home or at work that day. The message then left a phone number 1888-786-0630 or 1888-390-5129 to call to try to “settle” or arrange a payment plan. I got really scared and called the number. The lady said she was from Johnson York LLC and that they are middle man to recover past due pay day loans. I don’t think I owe this debt, but I was so shaken that I did pay them a $50 payment, and set up a payment plan of $200 a month to pay a total of $960.00. She sent me an email receipt but it does not look legitimate to me. Their logo is weird, there is no address, and no website. She said it’s a loan with quick cash. I try tried to google quick cash and nothing comes up. I don’t want to keep paying them if this is a scam, and I guess the worst that could happen is to be served or have my check garnished? I just don’t like the fact that they are calling my work place. Should I call them back and ask them for their address, business license and for he original paperwork for the debt owed? I am not sure if this is a real collection agency. Please help!
I have been receiving phone calls from a person who claims to be an investigator and tells me there are charges pending against me for a payday loan from 2009. He did give me the name of a collection agency (Global) which I called and they told me the same thing. I did indeed take out a payday loan in 2009 from this “money and more” online company. The loan WAS repaid and I even faxed copies of bank statements proving this back in 2009. They say the copies af these statements are not in my file. And this “INVESTIGATOR” well his phone does not accept incoming calls, and he wants me to give him my address to send me sealed documents! I did not give any of my information as I see it, if he found out my cell phone number, then he can find out my address. This man was very rude, very aggressive and very threatening. He continues to call my phone 4 & 5 times a day. I do not know how to get rid of these people. This man, I dont know his name or who he wors for, he gave me no information, only that there were charges against me and my state “bad check writing laws” would be against me as well, pending criminal charges…..I dont often have internet access…but I get my e-mail on my phone, so if anyone would like to e-mail me with helpful information it would be much appreciated. Thank You
Terri11771@aol.com
Terri –
This has all the classic signs of a payday loan scam. I would encourage you to report this firm to the authorities – FTC, CFPB, and tell them next time they call you are recording their call to report them to law enforcement.
I to made the stupid mistake, and because I was unemployed, but going back to work. I took out loans but was starting a new job, so I wasn’t worried about paying them back. Well I lost my job and was unable. I am looking for work, but I am now getting calls from people other than I borrowed from. (capitol solutions) They are a scam from what I am reading. They threaten to have my paperwork sent to the court house, come to my house, blah, blah blah. Some people have been middle eastern, but some are not. I tried to leave a message to call me back but no answer. I went on the net tonight, and have been enlightened. I have to cancel my checking acct. because i gave them my info. I feel so gullable. Just because I gave them auth. for auto withdrawl. Don;t do It, please just deal with the companies you took out the loan with!!!
someone name nicole woods— who leaves a number of – 888-891-4526 but u cant reach her. she is very rude. and calls my job and tells whoever answers the phonet that i am going to be arrested and she is going to serve some papers on me. I asked the to mail documents to me . claim they cant
The debt collector must send you written verification of the debt, and is not allowed under federal law to discuss your debt with others. This leads me to believe it is not legitimate. You may want to think about telling her that you will be recording her calls to turn them over to law enforcement, and report these calls to Fraud.org.
The same number has been harrassing my work place for the past two days. I breifly talked to him and told him that I will call him back after work hours. But no one answers. Now he’s talking to almost everyone here at my work place claiming that they are cussing at him. I already told him to stop calling me work. That is pissing me off, I dont know what else to do!
Call went to my MIL’s house. Phone number was 877-334-5288. Said they needed me to call before 5 p.m. I called them, they started the whole rigamarole about I owed an old payday loan and was going to be charged with frud, malicious intent, etc. I stopped the guy and asked for his company name and address and he hung up on me. LOL Think I’m gonna call back and try again just for the hell of it.
i recieved a threating phone call from number 701-212-1223 stating that i had owed a payday lone in the amunt of 2097.00 dollars and that if i did not take care of this that there would be a sherrif at my door to take me to jail and for e to appear in court.
he wanted me to give him a credit card number so they could with draw 500.00 dollar payments until it was paid off. now can they realy take action to have a person recieve notice to appear in court along with a warrant
If you are being sued for a debt, you may be served. But they aren’t going to just “haul you off to jail” simply because you can’t pay a debt. My suggestion? Ask for written verification of the debt which you are entitled to by law. They won’t likely send it.
I just received a call from this company saying that i got a payday loan off line and i never paid for it. He gave me information that anyone could have gotten when you apply for a payday loan online. he stated that i would be arrested and jailed if i didn’t pay $1,000 immediately when he stared saying this i asked for the name of the company and he was hesitant to give me the name and i goggled it and found all of the complaints about the company. I didn’t believe it because none of the payday loans that i have, have been from the internet. it’s funny because as I’m typing this another one calls me from USA CASH Advance #904-900-8462. these people should be stopped.
I received a call from Pay day loan recovery in Illinois. They say it’s for a loan from 2010 and now it’s $2300. If I don’t settle today I will have my wages garnished and my drivers liscense suspended. I thought it was legitimate bc they were not rude. However in going through my old paperwork, I can’t find any notices or letters. I want to pay any debt that I owe but I dont want to be paying something that isn’t real. Also , my real fear is a suspended drivers liscense!! I have to drive to work
Mimi b. I have been receiving the same calls from Jason and Ms. Thomas from the same company in Illinois. (ALSO, SAID THEY WOULD GARNISH WAGES AND REVOKE MY LICENSE) They have now started employing americans to make these calls to make it sound legit. So I advised that I have been recording these calls for the FBI investigation that I am involved in. I am a legal professional and debt collectors cannot just call you without verifying that they have the correct person and that would be done via certified mail with a summons and complaint against you. Also, if the collector such as Jason Locke and Ms. Thomas from 877-601-5871 Ext 259 and 877-601-5871 Ext 251 were real debt collectors they would have to provide written proof of the original loan, copies of the e-signed agreement between you and the lender, account numbers, telephone numbers for the lender etc… This guy Jason did not know his own address when I asked him and he also could not confirm my full social security number. Also, one tip to remember is legit collectors have to say the following statement before speaking with you “This is an attempt to collect a debt etc”, so remember that. I unfortunately was scammed out of $500.00 a few years ago and I paid the fees and sent a fax to them saying that I was paying in full etc.. and then after I paid in full, I called the company that they said I had the loan with and they advised me that my loan was already paid in full a few months ago and said that the collectors were not associated with them. Boy, did I learn my lesson. What they are doing is taking your personal information from any possible attempt to take out a payday loan or if you did take out a loan sometime. New trick is a company called FUNDEDPAYDAY.COM took an ACH payment out of the bank account for $14.95 and said that I filled out paper work asking them to find me a payday loan for this fee. Unbelieveable, why would anyone pay a fee for someone to find them a loan, when we all know that we can get it for free. The next time you get any calls like these, do your homework and take down all info that you can from them. Tell them you want a copy of the original loan paperwork and when you took out the loan, the amount of the loan, the claim number etc… WE ARE HARD WORKING PEOPLE AND WE NEED TO START FIGHTING BACK.
Im glad i read your post. i have been getting calls from people for payday loans that i do have outstanding. they are threatening to take me to court and everything, and i know according to the payday loan laws in illinois they cant do that. My question is this: I had already had two loans out(via store front), and was approved for 5 more online(after which i didsocered none of the companies were licensed in illinois. I have told the callers that i simply do not have the money to repay at the moment. thats when they get rude and nasty with me. they keep saying that they will put a judgement on my report, etc. 855-216-1354 is one of the numbers i keep getting calls from. on my caller id they come up 000 and i wait for them to leave a message. I have not paid them anything, but I am wondering if they CAN actually do anything to me. the companies according to illinois law should have contacted me to set up a repayment plan, but never did so, and now a year later I am getting these calls? something doesnt seem right
Regins,
I have to warn you that even some of the attorneys I know who regularly sue debt collectors who break the law won’t touch cases that involve payday loans. Even if they are successful defending the client, they tell me, they cannot collect. That may not be the case with all collectors, but I do have to warn you that you could be dealing with very aggressive collection agencies here.
That said, make sure you keep good note of whom you spoke with, when, what they said etc. Ask them to send you written verification of the debt. If they appear to be breaking the law, don’t hesitate to call them out on it. Read: 11 Ways Debt Collectors May Be Breaking The Law. You can report them to the FTC, Consumer Financial Protection Bureau, Better Business Bureau, and your state attorney general’s office and send the collection agency a copy of your complaint. (If you can get their address.)
If all else fails, you may want to talk with a bankruptcy attorney to find out whether you can discharge these debts in bankruptcy.
They are so far breaking the law. i have not once gotten a written statement regarding the debt of these payday loans. and they have threatened dire consequences multiple times(number 5 in your article), they definately call earlier/later than they should. they are breaking about half the rules in this article. so what should my next course of action be? I have received multiple calls lile this regarding these loans, and no actions have been taken. Ive checked the court docket online for my county and nothing is filed or anytihng. I just keep telling them I do not have the money to pay. One even asked me how do i plan to defend myself in court if I needed to.
My job has been flooded with harassment telephone calls from an unknoown debt/credit collector with a heavy Middle Eastern accent. This guy uses different names and telephone numbers and usually refers to himself as an “Officer”. Sometimes a “woman” is involved as well. They frequently call my place of employment,personal references,and cell phone as well. I have also filed 2 police reports and complaints to the FTC,FCC,and FBI/Homeland Security as well. What other steps of action must I take?.Thanks.
Terry –
It can be hard to stop these folks as they are likely based overseas, outside the reach of U.S. law enforcement. But some of our readers have had success by telling the caller at the beginning of the call that they are recording the call to turn over to law enforcement. You may also want to read the comments above from jayy gosvammi who said he worked briefly for one of these outfits. Other than that, I am not sure what to suggest. Maybe another reader has a suggestion?
I as many others have been receiving calls telling me that I am being sued for a pay day loan taken out from Money and more in July of 2008 and never repaid. these calls are being place from 716-236-7927 from a Marsha Montgomery. My caller ID shows this number coming from LTC Enterprises. I did look them up on the internet and they have a F rating with poor reviews. This Marsha has told me that I am being sued for nonpayment and that they need to be contacted by my lawyer and today wanted to know if I was going to defend myself or what. she states my account number is 14918-1219 also that my licience would be suspended for 120 days WHAT LIC. and when I asked was given a list of possible lic that could be suspended including my drivers lic.
I am disabled and gave up my nursing lic this year. She also stated that I would have to pay court costs of 3500 plus any other fees.
I did take a loan from Money and More in July 2008 and paid the loan back in Aug of 2008 with a electronic with drawl ;by Money and More. I had the bank send me my bank records showing both of these trans actions however I was told that unless I had a letter from Money and More that this had been paid my bank records are useless. I have had many payday loans over the years and have never recieved a paid in full letter from any of them but have always been able to contact them online to check my history can’t do this with money and more and the only phone number I can find is not inservice 951-922-6286 so who is the scammer ?????. The calls don’t come daily they are about 1 or 2 weeks apart. guess I will just have to wait and see if they do serve papers on me they know a lot of my personal information as told them I wouldn’t send them my bank statements she then recited my bank account number from the account I had at that time have since changed accounts. I have asked for things in writing and have yet to recieve anything.
Any suggestiions
Bev
This has all the hallmarks of the payday loan debt collection scam that’s happening all over the country. I am quite confident you won’t be served with any kind of papers. Even if they could sue you, they couldn’t suspend your license! (As you say, what license?)
I would suggest you report this to the CFPB and the FTC. Give them as much information as you have about the caller. Next time they call, tell them at the outset you will be recording the call to turn over to law enforcement. Hopefully then they will realize they aren’t going to get anything from you and move on.
yes i think im getting scam and i done paid up 945.00 dollars but it was refundable so they say there number is 2022412743 can any1 help me?plz
I am confused. Why would a debt collector say that money you paid them was refundable? Perhaps you were applying for a loan? If so, and if this is an advance fee loan scam, the refund promise is worthless. Did you wire money to them via Western Union by chance? If so, then it’s likely gone to someone overseas already.
In July 2008, I took out a payday loan from Money & More on the internet. I don’t remember the exact amount, because I did not even remember doing it.
This morning I received a phone call, and my dad did as well, from 716-244-6551. I was given an ID number. I don’t answer unknown numbers. I call back after hearing a voice mail. My dad told me that they issued a warrant for my arrest in Bexar County. I called them back because the voicemail they left was basically stating the same thing.
He said he worked for Morgan Lewis on behalf of Money & More. He had all of my personal information, bank information, ssn, dob. He told me I had committed internet fraud by taking out a loan and not paying it back. I did not remember taking out a loan online & told him I didn’t remember taking out a loan on the internet. He then told me that he had email transactions and verification from my bank that the ACH withdrawal was declined twice so I had committed internet fraud and was going to jail. He then hung up on me.
I got online immediately to look in my email for said correspondence. I found an email that I had initiated requesting information on how/when to pay back the payday loan I had taken out on July 18, 2008. I still don’t remember doing it, but, I guess I did. I got an email back the same day requesting my ssn. I sent that back and they responded that the payment would be coming out Aug 1, 2008 and had already been sent to the bank.
I then called my bank. They were very helpful and looked up transactions on my account first for July 2009, because the man I spoke with told me that date. (July 13, 2009) They found no ACH withdrawals and no overdrafts. I then asked them to look in July 2008 and August 2008. The customer service rep found the deposit from Money & More in July and found the paid ACH withdrawal in Aug 2008. There were no overdrafts in connection with my withdrawal and it was not presented twice as the rep from Morgan Lewis claimed.
I called the man back, he identified himself as Anthony Fatalli (or Batalli), his NY accent made it difficult for me to be clear on the pronunciation. I told him that I had done some investigating and that the bank clearly shows I had paid the company back and that I did find email correspondence that showed I had taken out the loan, however, it was paid in full and for him not to contact me anymore. He laughed at me, told me that if I was calling him back to pay over the phone then, to give him the information so he could call the Bexar County Sheriffs office to stop the warrant, otherwise I was going to rot in jail. I could whine, cry, whatever I wanted because he was going to have me arrested on felony charges of internet fraud. I told him I needed more information before I gave out anything, especially on the phone, because I had not received any correspondence from the company. He told me it was not their responsibility to chase me down to collect a debt, that it was my responsibility to take care of it myself. As their lawyer, I could pay him and it would all go away. I said no, and he hung up on me, laughing, quite rudely, stating, “Have fun rotting in prison.”
I was upset. I looked up Money & More online to see if there was a phone number that I could call to see if I could get more information since they were the ones I did business with. The website has no phone numbers. This to me is crazy. I had done a google search for Money and More when looking for their number. There are several forums and postings about scams to collect a debt from unsuspecting people. Most people are saying too that it was from 2008.
I have filed a complaint with the Consumer Financial Protection Bureau. My next step is the FTC then the police report.
I am very angry that these people feel that they can intimidate me & try to scam me.
Thanks for sharing your story. You are wise to research this before giving out any money. Glad to hear you have filed a complaint.
I have been receiving weird calls from 1-888??? numbers and recently they stopped and have been appearing as “unknown” on my iPhone. They left me a message saying something about court and I should call them as soon as possible. I deleted the message so I don’t remember exactly what it said. SO last night my mom came back from work and told me that that my aunt told her that they called her at her house asking about me and gave them a number and the name adan alvarez. They scared my aunt and now we are all scared. My mom is going to call them tomorrow. I’m kind of afraid because my mom is a very gullible woman. She won’t let me call them because I’m 19. I have had a loan for school but it was through finacial aid and it was the kind that I don’t have to pay until I graduate from school.
I don’t understand how they got my aunt’s phone number? How did they get my number in the first place? I am so confused.
ITS FAKE IF U HAVE SOCIAL SITES AND THEY CAN GET INFO FROM SITES AND PAY TO GET YOUR PERSONAL INFO THINGS ARE HACKED SUCK AS EMAILS THAT’S Y THERE IS SPAM JUST MAKE SURE YOUR MOM DON’T GIVE THEM MONEY THAT’S ALL THEY WANT IF IT WAS REAL JUST ASK THEM TO SEND SOMETHING IN THE MAIL THEY ALWAYS SAY WE CANT WHICH IS A LIE IF THEY ARE A REAL COMPANY IF YOUR MOM SENT MONEY ALREADY TELL HER REQUEST A REFUND FROM THE PREPAID CARD COMPANY ASAP AND CALL LOCAL POLICE DEPT I HOPE THIS HELPS THE INTERNET CAN BE YOU BEST FRIEND OR YOUR WORST ENEMY GUD LUCK
just change your phone number . it takes 2 minutes with verizon. to really feel better close your checking account and open another. i got tired of the curssing matches with these crumbs.
Last night, I received a phone call from a woman and she only told me her name was “Miss Riely.” She said that a company has filed a claim against my social security because I had a outstanding balance on a PDL. She said that if I didn’t pay the charge off amount or a settlement amount that I would receive a court ordered Wage Garnishment. First of all, I have NEVER comfirmed to receive a PDL and other than giving basic info to see if I would qualify I never confirmed nor received a PDL from ANY company. I just don’t understand how that can do this?? So here I am with a hour deadline to go and get money to send to the debt collection company to clear my social security and not receive a Wage Garnishment.
After reading everyone’s comments it sounds like I shouldn’t give into giving them money for a PDL I never received. The scary thing is what will happen if I DO ignore this. I mean is there a really legitiment way they can have any affect on my credit or SS# or place of employment?
Dylan,
I know you’re panicked about this, but don’t be. Social Security payments are generally safe from creditors. (If you owe a federally guaranteed loan your Social Security funds could be at risk but even then you’d be notified in advance and not from a phone call out of the blue.)
Turn the tables on this caller. Tell her you want written notice of the debt which is your right under federal law. If she refuses to provide it tell her you will be recording all future calls to turn over the authorities.
And read all the articles we’ve written on this topic. Use the search box at the top right to search for payday loan debt collection. You’ll get plenty of information on how to deal with this.
I’ve received calls like this before, where they call me and my work. BUT, today I got a call from a private investigator named John McCaffrey from 855-656-5010. The message stated that there were charges of fraud being placed against me and he needed to either talk to me or my attorney about case number #14831-TX69. He stated that I was to appear at my local county courthouse to take care of the mater. What was disturbing is that he also called my mother’s phone number and my sister-in-laws phone number, leaving the same message from me. The messages at their numbers stated that I was to appear in court at their local courthouse. How am I supposed to appear at three different court houses for the same case???? This is way to fishy!!
What bothers me the most is they not only call my work, but also call my relatives. We have got to put a stop to this, but HOW??
That’s the real question Kristen. How do we stop them? If they are calling from overseas and flouting our laws, what can we do? I do recommend you file a complaint with your state attorney general, the Consumer Financial Protection Bureau (consumerfinance.gov) and the Better Business Bureau with as many details as possible, in case there is an investigation into this company. In the meantime, you may want to find out whether your phone company offers a call screening service. It will cost a few bucks a month but may be useful.
As for your family members, all you can do it explain that it’s a scam and tell them what you’ve learned.
Ugh!
They are not calling from overseas, they are right here in the United States. I work for an outsourcing company at law firm. They called my manager on his cell phone while he was in a meeting. My manager answered it thinking that it was someone he knew since the number had the same area code as the city we live in. The man on the other line told him that he was a process server and that I should call him at 855-282-0910 or I would be served papers at my job for check fraud. I already knew that this was bogus but either way I called to tell them not to call my manager’s number EVER!!! When I did get someone on the line, they proceeded to tell me that I owed for a PDL from last year. I didn’t even care about that mess because they did not send me any correspondence and I know that they must have violated so many laws just by diclosing that info to my manager. In the end they denied calling him and blamed it all on the process server. When I called him back, it kept going to voicemail. I even went as far as looking up his name on a website for Texas process servers. Come to find out that they could falsify caller id information so you could believe that crap. Investigative Services, whatever. Oh by the way the name of the collection agency is Westwood Asset Management. They claim that the name of their company is Huntington, but that’s bull also. I found out that they like to change names as well as numbers. Just makes me sick.
i got a call from ACS stating that they would need to get my account settled and that my account was due to go to court due to payday loan fraud, and that i have 24 hours to call back and considered myself served, they also said that they were a lawfirm. they called mt family members and said i had to call them back and that they dont do payment plans and only credit cards or e check over the phone. they kept mentioning they were calling from the summons division, what i am going to do is to ask them for a letter , an address of where they are located and their website, ‘
THERE IS A STORY ABOUT THIS , ON ABC NEWS NIGHTLINE –
http://abcnews.go.com/Blotter/phantom-debt-collectors-india-harass-americans-demand-money/story?id=16512428#.T9Fr7bBDySo
TAKE A LOOK , VERY IMPORTANT
payday loan recovery group, 1-877*601-5871, has been reported to the Alabama Attorney General for making calls claiming to have information about the garnishment of a payday loan…. we are currently tracking the site and will back track it to the source… we are attempting to catch you
I have been receiving calls from someone who is saying i owe money to a first american cash advance well first of all i can’t even get a payday loan im in the military besides that they been calling my actual work place and its been difficult the number appears on my caller id as out of area call (911) im not sure what that means but there saying they work for the f.b.i and if i don’t pay i could go to prison well i never even received anything in the mail about this as well as never having a payday loan so i know its fake i just want them to stop call and harassing me what should i do? They should like oversea people i can’t even understand them and there are saying there going to have me investigated so what can i do?
ive been gettng calls from a guy who calls hisself jack but is clearly from overseas because i can barely understand anything he says. he has went as far as to call my job ann tell my boss that the company i work for is goin to be held liable for this debt oh yea this guy is supposedly with a law firm. my boss told them last week if they called back i would be terminaed an they would never get any money from me .this did not phase him so tuesday he calls back they tell him the samething so he calls my cell phone wantin me to verify my social i said no then my address i didnt an cursed him out with a few racial slurs an hung up.so then i get a call from another guy clearly not american tellin me he was the sheriff of my county an they was coming to my work an home to serve me papers for court i told them to serve on he asked for my address i gave him one 4 states away so he says do u no u speak to? lmbo i said who he says the sherriff of my county an i just had to ask what county that would be and i was givin some word ive never heard. so after a day of theatin physical harm the loss of my job and 3 felony charges for supposedly getting money from payday usa im currently waiting for my sheriff to return my call so i can tell him of this thing impersonateing an officer. i work hard for my money and noone is going to harass me like this im not stupid so my advice to the scammers scam ur own country dont come here tryin to steal from us hard workin honest folks. and did i mention this trash called my moms and told my 12yr old daughter to suck his d**k!!!! these ppl need to be stopped b4 they meet the end of my shotgun!!
4693423259; 4103879672 these 2 numbers are scammers claim to be attornys for payday usa well one says he is a lawyer the other claims to be the local sheriff
I just got a call stating that i owed for fees for payday loan company, It really freaked me out because the message left on my answer machine said something about a restraining order and they used my maiden name so i called the number left on my machine it was 813-217-5283 i asked for Tina Charles the woman who left her name i got this guy and he said well the loan company that finds the lenders gets a fee and that is what i defaulted on i told him i didn’t see that in any of the sites and he said that sounds ridicules i told him you sound ridicules and then i yelled goodbye and hung up. I wouldn’t have given them any money any ways but still it freaked me out
called from 513-426-9470. claims that it is a private agency investigating me on a fraud charge. Claims that 2 financial institutions are charging me with fraud. never gets to the point of what the heck hw wants, just shuffles papers and talks a lot of crap about old debts that are unrelated. I think I ticked him off when I kept asking for the names of the banks and who he was and where he is calling from. never would tell me. Hung up after telling me “good luck with my fraud charge”. This is such an obvious scam. If the county wanted me, they would have gotten me a long time ago. Thank goodness for Google!
P.S.-the only actual name I was ever given was Amy Whitmore.
Rob Coleman from the Huntington Agency is another SCAM. Will call your work home and even people with te SAME LAST name as yours and leave the same threatening message. Then when you call the number back, it has been disconnected. They won’t send you ANYTHING in writing. won’t give you their physcial mailing address either.. VERY INTESTERSTING
another number from Huntington Agency that threatens you is 855-216-1348 Ron Coleman
yes! this is the number I have been getting calls from. i forget the ladys name i talked to but at one point she actually asked me how i planned on defending myself in court.
I just got a call from a very similar number— 855-216-1354. Having worked at a telephone company, it’s a good chance these numbers belong to the same company (only the last two digits are different). BUT, the company that called me was Office of Progressive (??) saying my name was on some legal documents in her office. Tried calling back and the message kept looping.
I was down with zero cash and applied for a payday loan, Now, I’m getting harassment calls from a phony call center (a double-wide trailer) deep in the heart of the Idyllwild Forest Reserves in California. They call and harass in a few dialects (deep Indian, Middle Eastern, and Slavic… The phone number (951-468-0421) is listed as a lease from Sprint, and the tracking thumbprint that each call leaves points to that very location, thanks to that phone’s GPS. I had paid off the loan, Thank goodness, and now am still getting calls from ACS Legal Services. All you need to do legally is tell the harasser that they are not allowed to call you, period. Then, if they persist, you can file harassment charges against the phone number and the person.
Thanks Deirdre –
I am curious – with whom did you file the harassment charges? Your local police? What did they do?
I to fell for this, but i paid them cause i had taken pdl out and i couldn’t remember if i paid them. just last week they called again asking for money. when i went to send it western union stopped it from going thou and i was able to get my money back. the number they call me from is 425-440-8053. I filled a report with the CSPD and got a case number. they told me if this man calls back to give him the case number and the police number and have them call the local police station
Rick – That’s great that it didn’t go through and you got your money back. Glad to hear the success story!
I received a voice mail today from some guy who identified himself as a “Carl Thomas”. He never did tell me who he was with or what his business was. He gave me a claim number and went on to say that he had a pending wage garnishment order and a motion to suspend my drivers license. He left a number ( 877-601-5861 x261) I called the number to confront the guy but the number he gave was not a working number. So I called the number that showed up on my caller ID. A woman answered only by saying ” what extension please”. What number did I call and she replied “an answering service”. So I gave the extension. I was connected with “Carl Thomas” and I advised him that I had received a message for someone and that the information he left on the voice mail was illegal according to debt collection law. Carl Thomas got real mad real quick and told me I did not need to tell him how to do his “F#$King job” and that if I didn’t give him the god*&am file number that I could go to hell and shove it. So after he hung up on me I called the answering service back and they advised me that it was a company called PDLR with a PO Box in Aurora, Illinois. The number to the “answering service” is 603-486-1900. Hope this helps.
In May 2008, I took out a payday loan through money & more. I repaid the loan within 2 weeks. In 2010, I received a letter from Lighthouse Recovery Collections, stating I did not repay the loan. I provided the company with proof that I repaid the loan. I received three calls over the past week from a Steve Smith at Nationwide 877-716-0023. One of the calls was to my employer, telling her that I am going to get charges brought against me. I spoke with a Ms. Walters who refused to give me an address or a fax number so that I could send a letter and proof of payment. This number does not appear to be registered to any company. I will send a letter to Lisa Madigan, the Illinois State Attorney and to the other agencies listed in this blog and forum, but, beyond that, how can I sue this company if I can’t even get basic information from them? I’m in danger of losing my job!
im being getting this call ,yes a apply thru the internet for pay day loans but never from them now there are tellinh me to send 300 dollars to shanique manghram tru moneygram or i will go to jail they are ruin my life
I recently took a payday loan online and have since paid it back. Now I am getting calls from someone from stating they are from Anderson Law Associates (951-977-1365) stating that he is representing Cash Advance USA and another call from Proctor and Associates (786 528 3071) stating that he is representing American Cash Advance. They both read from the same script. They were very aggressive and stated that police would contact me at my job and I would be arrested. After the first call I was worried and thought it might be legitimate, but when I got the second call in the same hour reading the same script i knew it was a scam. Do not pay back money that you do not owe. And all of the callers had accents…either Middle Eastern or Indian perhaps.
We got a loan in 2009 with a company called Money N more.. got behind then we were contacted by Anthony Barnes and Associates ,they said they represented Money n More and we were going to be served with court papers the next day if i didn’t pay at least 300 bucks to them right away..i made payment arrangments for auto deduct from my checking account..since then someone Chathom Village ,Chicago used my card info to try making purchases at Gamestop,,and another person keeps calling from a number based out of the District of Columbia saying THEY represent Money N more..and i’ve been paying the wrong people and i’m going to be served with court papers..idk what too do!.we got.a 300 dollar loan,was billed right under 1000..and we owe 200 left on it and now their saying we haven’t payed anything..Anthony Barnes says there the fake company,they say the opposite…i’m frustrated .never again will i get any kind of payday loan or online loans…
I received an email this morning containing my ss# and saying i never paid a debt back and i would have to go to court. No phone number attached to the email. I have never taken a loan through where they are saying. I started paniking thinking I forgot to pay a debt went through all my bank records. Thank you for this site I am just going to disregard that email.
I got a call today from an “investigator” I didnt catch his name. He left me a voicemail saying that he is going to come to my apartment which he read back my address and the last for digits of my social security number. Ive gotten loans in 06-07. He said he was from Legal Services. When I look up legal services those are a service for people to go and talk about theyr legal problems. Do you think It is the same kind of scam? I don’t want people showing up at my place. Scare tactic perhaps?
Raydon,
It certainly sounds like the payday loan scam. It’s a good idea to request verification of the debt and report the company if it looks like it’s a scam. You may want to read another article I wrote on this topic: Seven Ways to Stop Overseas Debt Collection Scammers.
Here’s this company called ( mediation group ) from alanta ,Ga . They are a debt collector.. they said I owe them a debt from a payday loan I took out. Where I don’t know what this debt is about . I search for there company but there is no direct address.Please if these is ,or I believe its a scam . If anybody else have the same issue. I would encourage others to post a reply . Thanks
Beware of calls from an “Eric Murphy” (Indian-accent, Irish name !!) and “Leo Fernandez”. They call and claim that you are fraudulently using your social security number and taking electronic deposits of payday loans and not paying them back and terrorize your elderly parents into believing that they are sending agents with a subpoena “this afternoon!!!”
These SCUMBAGS are fakes, the Federal Government has told me so, TWICE now. I have NEVER taken a “payday” loan and would not (800% interest!!!! Criminal usury !!!). These guys are scum-of-the-earth EXTORTIONISTS. I am in contact with the FTC, LIFELOCK and other fraud protection agencies, my three credit bureaus as well as contacting law enforcement locally as well. Their days are numbered. They nearly gave, literally, my elderly 83 year old mother with a heart condition a fatal heart attack today. I hope that catch them and publicly crucify them, pour salt into their wounds, then honey, then turn thousands of red-ants loose on them. Bastards.
Beware of more than one company name. Huntington is another name they go by. Now my father in law is getting calls trying to track down my son who doesnt have a payday loan out. They have also contacted my brother in laws parents to locate my son. What kind of people do this. I had to block one of the numbers they called from my phone. They were calling me 3 times a day. I would like to get ahold of these people’s number at home and call them all day and night long and see how they like it.
I got a call from (855) 436-9114 claiming to be AMG and Associates. They would not give me a real physical address. They had some of my personal information which was scary. I have proof documents showing the the loan was paid, but they keep asking and confirming for more personal information. At first they called from a restricted number saying they are suppose to serve me, then asked me to call the number above with a case number. I am calling the Small Business first to see if they can help…:(
Michael – The fact that they have your personal information may feel scary but it doesn’t mean this is legit. The scammers steal or purchase (not sure which) information from payday lenders/websites. You may want to read my other article: 7 Ways to Stop Overseas Debt Collection Scam Calls
He harrased me at work and home then he begun to use email I was stupid enough to send him 150 dollars to some place in India the other guy’s name is Mark Anderson he to spoke with a heavy Indian acsent, can’t beleive I fell for it.
Back in March 2011, I received a private call from Caroline Foster. She claimed to work for a private locating service, and she wanted to issue me a summons for writing hot checks. I told her that I don’t even write checks. She refused to give me the companys address, phone number, and fax number. I found out she worked for a company called Signature Management Solutions in NY. The company is now OUT OF BUSINESS, according the Better Business Bureau. I filed complaints with the State Attorney General, the FTC, the BBB, and the FBI. This woman was such a fraud. She called my mother’s house and cursed at her. My mom has diabetes and high blood pressure, and she was so shocked by the way Caroline Foster was speaking to her.
Signature Management Solutions is now officially OUT OF BUSINESS. And please don’t listen to Attorney at Law Patrick M. Corbett. He was involved in the companys closing. He is also a scammer.
I was receiving harassing phone calls by a PDL Recovery group LLC. This guy calls me up from a so-called loan back from July 2010! The loan was $300 and my account was either closed or rejected the funds. First of all, why would you contact me now 2 yrs later; no letter, summons or court letter stating that I was far behind. They late fees $1202 or they would garnish my wages, and suspend my driver’s lic. I reported them to the FTC and NYS Attorney General’s Office about this. A few weeks ago I received another call from these people; on a Sunday! I told the woman on the phone I want a letter in writing! She told me they cannot do that! WHAT! Your calling my residence harassing me and I cannot receive a letter in writing! I haven’t heard from them since. Good riddance.
I’m receiving calls from 904-758-7031 telling me to call 855-659-0701. They are rude on the phone, insist they need to find out where I am to serve me with papers, and then they contact other people I work with both at work and on their cell phones! I never gave them any information about my co-workers, they never say to whom the debt is owed, and just get nasty with me. What can I do?
Chantel -
Have you read my article 7 Ways to Stop Overseas Debt Collection Scam Calls? If not, I suggest you take a look at it for ideas.
She’s not overseas though. She’s using the same tactics, but she’s calling from a local number.
Calling from a local number means nothing – the phone number can be spoofed easily. (Made to look like a local number.) But if you find they are in the US that’s easier. You can complain to your state attorney general, BBB, etc and maybe a regulator can actually go after them.
For people that have been scammed by illegitimate business’ before.. You’ll get a call one day. They’ll ask if you’ve been scammed before and you’ll be asked some generic questions like for how much? What happened? How long ago was it? Different crap like that. Then they’ll give you a ‘security code.’ Basically they’ll want to know the last 4 of your social to set you up long term. With the last 4 of your social, they can verify the amount in your bank account when they get your card #. Then they’ll say that a consultant, or advocate.. or whatever will give you a call back and tell you how to get your money back. They’ll call you back and spout some information and the Federal Truth in Lending Act.. They always like to use laws that don’t even necessarily pertain to the issue at hand to give their schemes some legitimacy. They’ll say there’s 100% chance of you getting your money back as long as you follow the instructions. It’s false of course. They’ll force you to give them your credit card numbers ahead of time so that they can “search for the records of the transactions.” That’s false, of course. Even if the transactions only happened on one card, they’ll say that all the cards and all the banks are connected. They just want to know how much you have in your bank accounts before they hit you for the price. They say they’ll send something and have yet another person give you a call back.. “Todd Collins.” Then they’ll have you sign something by email. It says something like ‘a price deemed appropriate for services rendered.’ So if you don’t pay, they’ll threaten to have criminal charges filed… ‘theft of services.’ By law, it’s illegal to check funds in a customers account unless a transaction is taking place. Then Todd will give you a call and try to pry the money from you. If “Todd” is unsuccessful, then it’s the owners of the company that you’ll be talking to next.. It’s also illegal for them to ask for any money up front.. in fact, it’s illegal for them to ask for any money until 7 days after your money has been recovered. There’s a 0% chance you’ll recover anything at all if you follow their instructions. And with the false addresses, false names, false numbers… you’ll never hear from them again. Anyways.. if you’re someone who’s been scammed by this, here’s some people you might be interested in talking to.
Owners;
Richard Dean (goes by Mark Wright) (480) 371-4276
Deborah Kohlruson (Goes by Ann Scott) (480) 297-8490
Their maid Troi(female) (480) 628-0568
Receptionist (602) 663-0612
Personal Address: 14619 E. Desert Vista Trail, Scottsdale, AZ 85262
Business Address: 501 S. 48th St. Ste. 415, Tempe, AZ 85281
Website: consumerrecoveryassociates.com
Consumer Recovery Associates(CRA) is a business that has gone by many other names before. Consumer Justice, Business Justice Advocates.. different names like that. CRA is headed by a husband and wife team that met a while ago online and got married the first week they met. One is Richard. Richard has worked in the sales industry for quite some time with an impressive record he likes to boast about. The company Bank Card Empire will probably ring a bell. His best friend who got scammed by him for over $5,000 to start CRA will tell you about the time they got $80,000 out of an old lady.
Deborah was a teacher that took care of mentally disabled children. For some reason that she would never disclose to anyone, she was forced to retire permanently and never allowed to return to any school district.
Richard regularly partakes in the services of low class escorts.
They’re both morbidly obese.
They have a very nice but obese young boy they drag along everywhere. Poor kid doesn’t have any friends at all besides the 14 dogs they have in their disgusting house. He’s home schooled and every single day you can find him moping around their filthy office. They don’t ever clean, ever.. The poor kid regularly has candy for dinner. He hasn’t had anything to drink besides soda for years. Doesn’t wash his clothes. Doesn’t brush his hair.
They semi-regularly attend Phoenix First Assembly of God, and often pray with their victims. One of Deborahs regular lines is, “You have to walk in faith, one step at a time. When you sit in a chair, you have to have faith that it’ll hold you.”
They scam their own employees and intimidate them into getting a power of attorney so that they can hide what they’re doing. They use several different LLC’s and business accounts under the employees name just in case the bank at the time catches on and closes the account. They often write bad checks in the employees name and they ‘float’ payroll checks through check cashing locations and run up debt for the employee.
They use what’s called a voip(voice over internet protocol) service. It’s a internet phone service. Their numbers will show up from places like San Francisco, Hawaii, Nebraska, Carolina, but they’re all in the same building, based in Tempe, Arizona. They often give false business addresses like the county clerks office or the municipal court building. All employees are forced to give false names as well, under the guise that the banks don’t like them for helping people recover their money.
They hide under the front of a gaming design business and will say they do “business consulting and software design.”
They won’t answer your phone calls, but feel free to leave a message or to stop by
On 8/20/12 I got a call from Ms.Gilmore asking me to return her call at 877-601-5871ext.265. When I returned her call She said that she was with Payday Loan Recovery Group that she was calling to offer me a settlement on a payday loan that I had defaulted on from American Cash Advance. When I stated that I had never done business with that company she said it was a sister company for the original payday loan company. When I asked for the original creditor’s name she said that she didn’t have it. When I asked for proof of my debt Ms. Gilmore told that they could not send me a letter showing me I owed the debt as the original creditor had tried to contact me in the past and that I did not respond to them – her company was hired to recoup the money that I owed them and was offering a settlement for ½ the amount that was owed. Having never received notification that a payday loan that I had taken out was in default I told her that I would be willing to pay the amount that I owed but I would need proof of the debt that was owed by me. Ms. Gilmore then stated that as a 3rd party she didn’t have that information and if I didn’t accept her settlement agreement her company would then move forward in garnishing my wages. If I accepted the settlement offer they would contact American Cash Advance and I would receive a paid in full letter from them. I have not received any such documentation. When I called Ms. Gilbert today to let her know I had not received the paid in full letter from the original creditor she told me that there was nothing she could do – she did her job and that’s all she needed to do and wasn’t interested in helping me. I contacted her supervisor, Ms. Martinez (ext.260) and she told me she would look into the matter for me and return my call. I paid the amount that I was offered in the settlement because I wanted to put this matter at rest and didn’t want my employer to be contacted – even though I suspected this was a scam.
I was contacted by the same company and paid. Didnt receive a receipt either. Then I contacted the company they said I supposedly owed the money to. The payday loan company looked up my info and said I had never had a loan with them and advised me to call my bank. My Bank is now going after PDLR group for fraud.
My husband and I filed bankruptcy due to unforeseen circumstances and we had an outstanding payday loan. My attorney explained to us that a payday loan is treated as an unsecured debt and would file the papers and there was no need to worry about this because it would be included in the bankruptcy as unsecured. Needless to say I got a very threatening phone call from a company called US Capital Management (855) 596-0411. They said they represented MYMONEYCHEST.com and they would see us in court for a balance owed. I asked the woman to contact my attorney and they said they couldn’t because they are just the middle man in this. I told her if there is a balance owed and we are currently in a bankruptcy, there should be no reason they could not reach out to our attorney. I called my attorney and he said to have them call him. They will not! They told me that they were going to serve me papers at my job. Is this possible? Can they do that? I can’t get them to give me any paperwork regarding this balance owed.
i recieved several calls from a donna mitchell she gave me a phone number to call 877-882-2435 with a case # i call tehm tehy say the are NCR (national Check Resolution) i really don’t belive them when they say they are coming to my place of employment or my home to serve me.. i know it dosen’t happen that way i have spoken to my local police officer and he said not to worry about it. But this time they sound so real.. i know i owe the money but the amout they gave me is atrocious. i actually only missed one payment and now they want almost 800.00 when i only borrowed 350 and i have been paying 37.50 since may.. the lady (lisa) said i really don’t care if you pay or not but i am just just a little concerned because it did sound really real ,, boy they are good.. so i am a little concerned i don’t want to ignore it but it all sounds so weird during the whole phone call wiht lisa she kept putting me on hold. she said they would file with the clerk of court for fraud by deception.. and will only let me pay by credit card. i told her i wanted them to send me a bill in the mail and she said they told her they tried to contact me by email.. can not send by mail. i requested by mail again and a address to send in payment.. am i correct to not send them money my gut feeling says no don’t send it to them… but my concious i know i owe the money..
Karen –
Collectors are required by federal law to send you written verification of the debt upon request. It’s not optional. Any legitimate collection agency knows this.
And if you are sued by a creditor or collection agency, they must serve you with a notice of the lawsuit (this is usually referred to as a “summons and complaint”). They sue you for the debt; “Filing with the clerk of court for fraud by deception,” is meaningless.
You’re right. They are good. That’s why so many people continue to pay and the scams continue to proliferate.
thank you Geri this make my mind at ease even though deep down inside i thought i was right.. i know i owe them the money.. thank you so much i just wish other ppl would research this so they don’t get scamed..
I had something similiar happen to me today. They called my uncles cell phone and left him a message. They guy said his name was London Dupree from a check fraud investigation unit and stated a case number. (334)578-0706. I called them back and when I started asking for what it was from he said that he needed to give me to a supervisor. The woman I was very rude and her name was Jennifer Wright. She said that I had a payday loan from 2008 that was online and it was defaulted because my bank account didn’t cover it. She said that If I don’t make a payment of $1904.72 that I would be up for 4 felony’s and that I would be arrested in 48 hours. I told the woman that I was never notified of this and that I need her to send me paperwork stating this. She said unfortunatly she couldn’t do this because the paperwork is to be used against me and that I can only see it when its presented to court. I told her I didn’t have the money. Help!!! Is this a scam…..
Amy,
We have moved this discussion over the Credit.com forums. You’ll find my reply here.
If anyone else would like to share their story or post a question, please do so in the forums. Thanks!
I am getting threatening call from PDL, Stacey telling me that I owea paydate loan and that I need to call her and make arrangements. She is calling me on my job and on a new cell number that I have. Now she is calling my family and threatening them That they are going to arrest me. Please help. 800-290-1065. SHe calls three times a day or more. Help.
Nora,
It can be very hard to stop these kinds of calls but I wrote about some suggestions in this article: 7 Ways to Stop Overseas Debt Collection Scammers that may be helpful in your situation as well.
i recieved a call today from 888–958-3653 from a guy named mark saying i took out a pay day loan back in 2007 and i owed $425.00 said i had to pay in full by oct 31st or i will be sued and or my wages garnished i asked for their mailing address and he refused to five it to me and i asked if they could send me documentation in the mail and he said no they are strictly a paperless company he said i had to give him my credit card before they could send me any information so needless to say he did not get my credit card info, the company is westwood mediation
I love it. “Paperless company.” Never mind what federal law says about providing this documentation.
There is no westwood mediation. If they are speaking with a heavy accent they are Indian scammers. It’s the latest foreign scam being hoisted on Americans, gullible ones that it. If you have ever applied or attempted to apply for a payday loan, they will call you at some point. Be ready when they call. They are looking for some one gullible to easily victimize. You cannot reason with them and anyway they are conducting a scam so deal with it appropriately – blow a loud sports air horn into the phone. They get the message with that ear loud and clear that you are not to be messed with and they usually move on.
Just received a call from +9206364434 saying I had committed bank fraud theft and a host of other charges and I was going to go to jail, very aggressive and could barely understand him. He did understand the F word though.
They are scammers calling from India with spoofed numbers to appear as though they are within US. Since they are out to get you, well you get them instead. Next time they call just blow a loud sports air horn into the phone. They never dare call back. They are usually looking for someone to victimize easily and they get it that that ain’t you.
I received a call back in July 2012. He said he was with cook county district attorney office. That a charge was pending from 2008 regarding a cash advance. I told him this was paid for but I did not have access to that bank information. He gave me the number of the attorney processing the charge. It was ACS. They would not give me any information regarding the old claim. Only that they had the right to process check fraud charges. I got pressured into setting up a payment arrangement. I paid the first installment and then cancel my credit card for the second. When I started reading all these claims. Now they continue to call and harass regarding filing charges. This time the guy when he called did not say he was with cook county and admitted he an investigator. He will not give you a number to call him back. What can I do? How do I get them to stop?
Jean,
Assuming you have identified this as fraudulent, you may want to read my story 7 Ways to Stop Overseas Debt Collection Scammers. The same approaches apply.
This is too much for me at least. These are Indian scammers. They don’t care and it’s a scam. They are out to get you. So I take that seriously. I found out a nicely loud sports air horn works magic. I blow it into the phone. Nobody dared to call me back and that was it. I shared this with a few friends and it worked. I guess they needed their other ear intact. So I guess they call someone else. If that is you, do the same. I am determined to send them on to another career with one ear messed up. I don’t care because they don’t either if the manage to scam me.
Greetings! Very helpful advice within this post!
It’s the little changes that will make the biggest changes. Thanks a lot for sharing!
I got scammed. I am inthe process of settling the loan, but getting calls from people claiming to be state attorneys office and one claimig to be an investigator or detective and want me to settle out of court and make payment to him. He claims i will be arested and put in jail.
@Esther
SCAM! It is!
Next time they call just laugh at them. Tell them you are recording the calls and you will notice how suddely the conversations will be straight or even end. Then actually record the calls.
How are you getting scammed?
Establish the correct entity that should rightfully receive payments on this debt. If you are going to settle ontain a letter stating the settlement terms. It has to state that upon payment of $x the debt will be deemed as “settled in full.” Then keep that payment evidence for life. These C.A. resell your debt later to another C.A. and then it’s the same collections story all over again.
Do not give them electronic access to your checking account, they will clean you out. Instead send in a check or MO by CMRRR. No offer letter, no check and get off the phone. They want money from you they will send it. And don’t be intimidated by that favorite phrase of theirs that they will record “a refusal to pay” against you. Big deal, bite my ankle. It mean squat and has no legal standing at all.
It would be a good idea you educate your self on some collections basics. So Google these:-
1-what to do when you are contacted by a collections agency.
2-your rights under federal laws FDCPA and FCRA
3-Validation of debt (VOD), cease and desist (C&D), CMRRR
4-Your state’s Statute of Limitations (SOL) on debt.
5-post your questions at debtorboards dot com if things get thick, lot’s of people there with lot’s of great help.
I do need good advice.
I got a call from a guy claiming he was the guy that was sent to serve me for check fraud for a check I wrote a check on December 25,2007. Honestly who would write a payday one loan on Christmas day. This made me suspect that something is funny. He called me from an unknown number. The guy gave me a 1-877-540 number and a case number which was only a few numbers. I called the number the guy acted like he was surprised that I was not served. The guy said if I get served he couldn’t help me. He said I wrote the check in 2007 and the client wants to take me to court for $5408 which is 4 years of interest. I think it is a scam. I don’t remember the name of the company. Is this most likely a scam? He only asked for my last 4 numbers of my Social security number..
So is this scam?
Carlos –
I think you’ve already answered your own question.
You don’t get “served for check fraud” because you can’t pay a debt. And if you are taken to court over an unpaid debt, you must be properly served so you have time to respond.
You need to get a handle on collections process, arm yourself first with some basic info. before you make contact with these gubbers, because they will know if you don’t know your rights and they will push you around just to get you to acknowledge the debt, accept it and agree to make a payment. That means never ever ever acknowledge, accept or agree to pay a debt. Period! Even if you owe. Never! Follow the law and get a VOD first. Never ever confirm your details to them. If they allege you owe per federal law FDCPA, the burden to prove so is on them, not you and it therefore makes sense they should have your details down. So just tell them to send whatever they have to the address on record. The reason you do not accept a debt is if the statute of limitation has expired per FDCPA the debt is time barred and noncollectable. If you accept it, it restarts the clock all over again.
So first and foremost always treat all debt collections calls as a scam, your scam antennae needs to be on high alert.
Second you need to educate yourself on your rights as a consumer/debtor as per federal laws FDCPA and FCRA, so you can always be cool, calm and collected when you get contacted, no matter if you owe a debt or not. So Google these:-
1-what to do when you are contacted by a collections agency.
2-your rights under federal laws FDCPA and FCRA
3-Validation of debt (VOD), cease and desist (C&D), CMRRR
4-Your state’s Statute of Limitations (SOL) on debt.
5-post your questions at debtorboards dot com if things get thick
Third you need to understand debt collection processes. Once you’ve got these basics down, get on the phone with the low life CA/scammer. Request a VOD immediately, ask and record their full details-full names, who, what was said, by whom, when, their address, etc. and end the call. You control the call. If you owe the debt they will send you a VOD, it has to be the original contract that you signed not a letterhead with some imaginary amount. If you do not owe this debt upon their failure to produce a valid VOD (within a reasonable time like 30days) send them a C&D. In it state you do not want to be contacted again over this debt. Henceforth, you shall consider any further attempt to contact you as harassment and you shall seek full legal redress.
Always use CMRRR to communicate with CA – emails and phone records have a way of suddenly “mysteriously” disappearing. If you have to talk on the phone record all your calls. You may or not tell them you are recording. If you tell them they stay on the straight and narrow.
If you rightfully owe a debt and you agree to pay, negotiate (to a third of the debt owed or less). Then, request for a letter stating the terms agreed upon BEFORE you submit a payment. The letter should contain the “settlement in full” amount and those exact words.
Never ever give them electronic access to you checking/debit or CC account. Always mail a check/MO CMRRR – no letter, no check. Keep those records for life – they will resell your debt and this will start all over again. After you pay request a letter stating the debt is “settled in full.”
I received a call on Friday from National Check Registry stating that I have an outstanding payday loan and the guy was very rude I hung up on him and called and spoke with someone who claimed to be his manager only she wasnt any better. Today a guy who states he was from the cook county processing department called to inform me that he will be serving me papers to appear in court and I can either have them delivered to be job or my home but I need to contact him within 48 hours and if I want to speak with the complaintant he left the case no. and the contact number of National Check registry. The number he called from rings then beeps as if it belongs to a fax. Is this legit for a processor of teh courts to call first before serving papers? Doesn’t sound too legit to me. Please help.
Shana – Process servers typically try to catch consumer’s unaware so they can serve them. They don’t give them a heads up!
I’d suggest you contact the Cook County State Attorney Consumer Fraud office and report this asap. It has all the markings of a scam. But even in the worse case scenario, if it were legitimate and you were being served (which I don’t think is the case here), you’d want to know so you could respond, right?
Shana,
Read my response above @ October 25, 2012 at 10:06 AM to CARLOS GUZMAN.
I will add if this is all legit and you do get served always appear in court. You don’t need an attorney if you don’t want to spend on one. Show up and talk your truth. If you owe the judge and their attorney will work out a deal for you. If you do not owe great just say so and request for a VOD from the collector – it has to be the original contract that you osigned with your signature on it, not their letterhead stating some amount. If the SOL has expired even though you owe the debt just tell the judge the SOL is expired, debt collection is time barred and you request for a dismissal of the case. Have any documentation that proves expired SOL. Never ever fail to show up in court, judges enter default judgments against you and garnishments, etc then commence (even when SOL is expired, unless you have to show up and prove so.
There is this company by the name of ACF collection calling me that if i dont pay it they will serve me pick me up at my house of job. i need help fast!
Laura –
No need to panic. Debt collectors don’t pick people up at home or work because they can’t pay their bills. Ask them to send you written notice of the debt which is required under federal law. (By mail, not email.) If they say they can’t, then you are dealing with a scammer. If so, then read my article 7 Ways to Stop Overseas Debt Collection Scam Calls and turn the tables on them!
I havent recd any phone calls but my previous roomate was visited at home by a man named Lewis claiming he had a delivery for me and that he is a process server! He has been to her home several times and she has finally told him to stop harrassing her as well. He left a fake looking business card in which he hand wrote in his name and a tel # 425-223-8367. I have not called him to verify anything yet. Any suggestions how to handle or proceed with this? Any help is appreciated!
Jaci –
There is a discussion on this topic going on in the Credit.com forums. Can you post your question there?
I’ve been getting calls from strange numbers lately so I haven’t answered. On 10/29/2012 I got a call from an emergency number right when I left for work around 9am. I answered it thinking I pocket dialed 911 by mistake. He said he was an officer saying he had an affidavit out on my arrest. I’m only 23 and just got engaged a week before so I got a little shoke up so askedif there was anything I could do. He gave me the number for an attorney (????). On my lunch break I call the number and a David Cooper answers (he does NOT sound American but he tells me that the police are planning on coming to my work to arrest me to bring me to court. I ask if there’s any way to resolve this being as I haven’t seen a paper statement in the mail ever. He puts me on hold for 20 minutes (keep in mind I get 30 minutes for my lunch the prick…) then says the “local court house” is willing to work with me if I follow his instructions. He says I have one hour to get a Green Dot Money Pak for $775 and call him back. So by now I know its a scam… I say I will then I go about my day…
A hour and a half later I get a call from Mr.Cooper (916-238-8143) saying I wasn’t taking the situation seriously so I just play along stamering and stuttering “I’m sorry I just can’t come up with it all on the spot
((Sorry posting this from a phone in bed))
He says “Mr. John your time has run up we will send the local police to your home to come arrest you, may God have mercy.” I replied, “Wait please I can come up with the cash!” Mr. (Haji) Cooper replied “Where from and how soon? Your time is past up.”
“Your mother just called she said she would pay it for me. She tells me to have you call her. Later ********”
This # 678-648-1570 keeps calling my home phone as well as my job and family members stating that they are investigating check and / or credit card fraud . They even left a message on my family members answering machine with detailed information regarding the investigation . Isn’t that violating the federal privacy act ? The lady that keeps calling says her name is Anastasia .
It is a violation of the federal Fair Debt Collection Practices Act for collectors to discuss debts with third parties. But if these are scammers (which is sounds like they probably are based on what they are saying about “investigating fraud”) then they don’t care whether they break laws or not. Read my article: 7 Ways to Stop Overseas Debt Collection Scams.
I keep getting a call telling me to call 855-202-2822 within last week, asking for my first name but with maiden name…I been married for 26 yrs and haven’t used my maiden name since then.. I know I have good credit since I have mortgage(never had a late payment in 20 yrs) which is in my married name and have seen my credit report… I just wish they would stop calling… I have no intention of calling the number back…
Anyone know of a Joshua woods 786 2755395 ext 313 he did the same thing that this ites warns about, I just found out who the real collect deter was too… Watch out for this guy…
Im dealing with this right now I live in porter county indiana and an indian man by the name of Robin Waters is threatening me with attorneys and jail I will be contacting my lawyer and the FTC to try and stop these people. I also found out it is illegal to give or receive loans from other countries, especially now that they are trying to debit my account I will be seeing this to the end.
I got that call on 12/26/12 from a Mr Anderson saying he was a criminal investogater and that im about to be charged with fraud and a warrant will be issued for my arrest foe a payday loan from 5 years ago which i thought was paid in full. He said i needed to give him $928 by 2pm or i will be arrested then he asked for my credit card info i said no then he gave me all this info for a money gram So i asked 5years and noone notified me about this. So when i hung up with him i called my sister who is a cop she told me dont send nothing its a svcam. He called back after 2pm and said since i didnt send the money they are coming to my job and take me to jail buth times i spoke to him he gave me 2 different case numbers BUT it did have me nervous
Your sister is right. If they call again tell them you will be recording the call to turn over to law enforcement.
I had missed a call from an “unknown” number with a voicemail. When I listened to it a guy said it was in regards to a lawsuit that is about to be filed against me and to resolve ths issue then I need to call 18885946076 with a case #. So I immediately called back and a lady answered as “United” and asked for my case #. I gave it to her and she said I owe for a PDL from Sept 2011 with ACE. I don’t remember having a loan with them. I have had PDLs before and thought I may have forgot about it. I Todd them I’m on maternity leave and have no income. Then she transferred me to her supervisor because he was monitoring the call and wanted to try and work something out with me. He asked if Ihad people I can borrow the money from because if it doesn’t get paid I’ll go to court and be charged with check fraud. Scared the crap out of me! So he said I can pay $150 by Jan 25th and the rest by Feb 22. I asked why I never got anything in the mail. He asked if the address he had was right, it was an address that I moved out of in June 2011. So he said that’s why. He said I had to secure the payment plan with a debit card. I was stupid and gave it to him. The last few days I have been thinking about it because I just didn’t remember this loan. Then I remembered that here in AZ they don’t have real payday loans, they were outlawed in 2010. Now they give you a loan off your car registration or title. So if I defaulted then they would have come and taken my car. Also, IF you give them a check it has to be a voided check. So how can I have written a bad check if they can’t cash it being that it was voided? So….does it sound like my situation is also a scam? If so I probably need to cancel my card.
Jessica – It sure sounds like a scam to me. Unfortunately you aren’t going to get the money you paid back but hopefully you can stop further withdrawals. To be safe, talk with your bank, explain what happened and find out if you need to take other measures to protect yourself. Now that you’ve paid something they will probably become relentless in their efforts to get more money from you. I recommend you also read my article, 7 Ways to Stop Overseas Debt Collection Scam Calls.
6pm rcvd calls repeatedly from Michael Moore of “Fraud Office” attempting to collect a debt from November 2008, which I’m sure I do not owe to Money and More. Alledges, thru a Jasmine Wright and Maria Sanches that I have commited fraud and a warrant would be issued for my arrest if I don’t send $1107.15 thru Money Gram and am harrased to send it immediately or expect to be arrested by 8am the next day. After several calls from my attorney to the #5133994987, messages left, etc., no calls for a few hours now.
This same Michael Moore had contacted me about 6 months ago, from a different #, with the same story of serving papers for my arrest about 6 months ago but that I owed money to PDL Loan for November 2008… which I’m sure I do not owe, and I should send a payment immedately to settle claim.
These people have all of my info, including social, bank account #’s etc…
WISH I COULD GET MY HANDS ON THEM, IT’S NOT FUN TO KNOW SOMEONE HAS STOLEN YOUR PERSONAL INFORMTION AND IS TRYING TO SCAM EVERY PENNY OUT OF YOUR HARD EARNED MONEY!!! B CAREFUL!!!
SCAM!!!
So glad they didn’t scare you into paying!
I was receiving threatening calls from someone claiming to be from the Attourney General’s office. Stating that because of a past due loan that they were going to have authorities pick me up at my place of work and have me arrested. They demanded i pay them $120 of the $500 that I owed them in order for them to hold off on calling the authorites. I do have past due loans and they verified my email address and home address and the company i worked for. I thought it might have been for real, They wanted me to go to walgreens and pick up a prepaid card in order to make the payment to them. I was going to send them the money but after speaking to one of the lawyers within the company I work for they advised me that this was a scam call trying to get money out of me. Especially since no prio documentation was provided and they refused to provide any documents until after i made a payment. The numbers they were calling from were 951-878-0689, and 951-708-1208. I looked up the numbers online and it seems they dont exist. I am trying to report them before someone else becomes a victim.
I have received a call from 2816748738 he sounds a little convincing but calling me at 7 a.m. was alittle weird and I tried googling their company name and something else came up has anyone received a call from this number and what should I do?
Tiffany – Phone numbers can be easily faked. And “a little convincing” is not good enough. What you need to know is whether they are a legitimate collection agency and you actually owe the debt. The first step is always to ask them to MAIL you information about the debt. That’s required by law. If they won’t, then refuse to talk with them until they do. Don’t accept email or anything less.
Thank you very much for this site and responding to me because right after reading some peoples stories I called him back and ask more questions then told him that I’d handle it in court that wouldn’t be getting any money from me and hung up about 1 hour later got another call from a different number saying that I would be receiving a summons for court these people are a big scam smh.
my fiancé has been getting phone calls from someone saying he is officer mike Johnson from 810-223-0563 said he got a loan for $300 over the internet but he never did. he applied for some loans but because his credit is bad and no bank account he couldn’t get one. this guy says he got one but want tell us where it was from and like most of you he had his name ss# address and where he works and is threating to have him arrested. we talked to a cop who said that if we had applied for a loan even over the internet they would have mailed out paperwork anyway WITH PAYMENT OPTIONS and how long you had to pay it back we got nothing and the pretend cop will not give us the loan company name or anything he even said he had routing numbers those are for a prepaid card that never had money on it and was cut up and thrown away because of maintainace fees they want just to put money on them. what do you do when they keep threating you and you have no idea what they are talking about.
I wrote an article about stopping payday loan scam collection calls. Your fiance may get some ideas here: 7 Ways to Stop Overseas Debt Collection Scammers.
Hello I just recently about one week ago started receiving a call from a collection agency TRADEMARK MANAGEMENT SOLUTIONS in regards to a payday loan that I need to pay on and YES I do know that I owe the bill but there tatics are freakin nuts….Here is what was on my answering service….Hi. This message is for XX. My name is Theresa Coleman. I’m calling regarding a fax order that I received in my office today in regards to some bad checks you’ve written. You have one opportunity to contact the plaintiff and resolve this matter prior to further action being taken. The plaintiff can be reached at their corporate office number 877-285-3841and you can refer to your case number ###. XX you have officially been notified.”
The gal name that wants to serve me with these LEGAL COURT DOCUMENTS is Jenna Green….is this legal??
Tami – what concerns me here is they are talking about “bad checks” – not about the fact that you owe a debt. This makes me think that they are going to tell you that you are going to be arrested for check fraud if you don’t pay. Again, ask them to mail you written notice of the debt as required by federal law – the Fair Debt Collection Practices Act.
I’ve been contacted by 3 different companies. First one was Goodman and Stern (which I actually paid, uggg), Kauffman and associates, and as of today was contacted by Lohchner Gates and associates. All of them threaten jail time. After reading this article, I was able to receive the funds back from payment to goodman and stern, through my bank. I just wish I had found this before
Christy – Glad you found the information you needed too! But do tell how you got your money back. That’s usually impossible!
i got a call from advanced capitol solutions(debt collector) about a defaulted loan i had in 2008 from another company. i googled their number 877-845-5988 and got allot of fraud comments and i cant verify they bought the debt from ez corp. i sent them a email to send me physical evidence that my attorney can try to verify. they said they can come after me for check fraud, which fake collectors always do to scare you out of some money. have not given them any acct info and now i do the waiting game to see what they do know, anybody know of this company history?
I have been getting phone calls from (949) 829-2391. My son not knowing any better told them where I work and now they are calling my work telling our secretary that they are going to serve me papers at work if I don’t call them back within 2 hours. I am a teacher and can’t have them calling me at school. I called the number that was given 10 minutes after he called the school and I got a machine…Jordan and Associates…He told the secretary that he had a legal business matter regarding quantum support services. I had gotten calls last year and they just started again. I have told them I am reporting them to FTC and Better business bureau. What can I do to get them to stop calling
Tjm –
If these are legitimate collectors then they will stop calling at work once they are instructed by you to do so. That’s federal law and if they don’t stop, a consumer law attorney who sues collection agencies will be happy to help you. If they are scammers, though, then nothing you can say will force to them to stop since they operate outside the law. The best you can do is to just keep telling them that you are reporting them to the authorities. I wrote about ways to stop payday loan collectors here.
Hello..at 8:45am this morning today I recieced a voicemail with an officer Rogers, he called back letting me know I had a federal case and had three charges against me. So I told him that was B.S I wanted his badge number and office information he did not respond so I said if you cannot help me I will go to the police department have them listen to the voicemail and track your number. They guy hung up on me four times so after that I knew it was really b.s I have never in my life did anything fraudulent or been to jail or even a traffice ticket. He said you go to the police they will come to you and hung up again I never did get a loan from any online source but here is the number 214-230-7166 also he had said how would you like to handle this matter inside the court or outside. If this was an actual legal case you wouldn’t have a choice but to go to court so if your really smart enough get as much information and don’t let these people get to you but some people are scared and they do end up paying just don’t be one of the victims.
Good for you Jen!
hi ive got home from work and had a nasty phone call on the answer maching saying there were 3 charges against me credit card fraud i asked who from he told me not to interupt him didnt wait to here what the other 2 were not sure if tjhis company is a scam it marshall law i just cant under stand it
Bernese – if they are telling you there are charges against you for credit card fraud, you can be it’s a scam.
Have been threatened by a supposed investigator (from the state of Ohio and Georgia and I live in NM) that I will be arrested at work if I do not pay a debt I owe. I have a paid in full letter as proof and anytime I question her or ask for more information she hangs up on me.
I NEED HELP…
I got this email today….(along with an attached PDF.. which is uppose to be the payday loan contract) IS THIS FOR REAL.. I’VE TAKEN A LOAN WITH THESE PEOPLE BUT I PAID IT BACK…..(BELOW SEE THE PAYDAY LOAN CONTRACT AND THE BACKGROUND OF THIS CONTRACT IS THE AMERICAN BALD EAGLE)
My name is Kyle Wigfall and I am a legal adviser with “EZ Payday Cash”.
This email is about the criminal law suit going to be filed against your
name so it has nothing do with bankruptcy.
Please read the legal affidavit carefully and the loan agreement
attached before asking any questions to us.
This notice is very polite in terms of legal manner, so there is no
offensive behavior to any entity or person.
Legal Affidavit :
Our client is pressing charges against your name regarding three serious
criminal allegations:
count (1) Violation of federal banking regulations.
count (2) Collateral check fraud.
count (3) Theft by deception.
Now, this means three things for you. If you are under any state
probation or payroll I need you to inform your superior or manager what
you have done in the past and what would be the consequences once the
case has been downloaded and executed on your name.
This is to inform you that the creditors do have all the rights and
authorities to inform your employer what you have done in the past and
what will be the consequences once the case will be downloaded and
executed against your name.
You have the right to hire a criminal attorney. If you don’t have
one or if you can’t afford then one will be appointed for you, but
please make sure you have someone to take you out of jail when the judge
hears the case.
Reply us back to this email to resolve this issue.
Best regards,
Kyle Wigfall – Debt Resolution Department
————————————————————————–CONSUMER LOAN AGREEMENT
Account Number : PD-19963
Creditor :
EZ Payday Cash
Sandra Pinto
***-**-8072
1 5303 W Pond Woods
Drive
Tampa FL 33618
In this Consumer Loan Agreement (hereinafter referred to as the “Agreement”) the words “you,” and “your” mean each and all customers who have signed it. The words “we,” “us,” and “our” mean (Ez Payday Cash).
YOUR PROMISE TO PAY
You promise to pay us the Total of Payments shown below and other charges identified in this Agreement. On the date stated in your Payment Schedule you will pay us, at the address indicated above, or at such address as we direct you in writing, the amounts stated. Any unpaid balance of the Amount Financed after the final installment due date will bear interest at the same Annual Percentage Rate as was
assessed before maturity.
FEDERAL TRUTH IN LENDING DISCLOSURES
ANNUAL PERCENTAGE
RATE
The cost of your credit as a yearly
rate.
% 800%
FINANCE CHARGE
The dollar amount the
credit will cost you.
$300
Amount Financed
The amount of credit provided to you or on your
behalf.
$300
Total of Payments
The amount you will have
paid after you have made
all payments as
scheduled.
$1074
Prepayment: If you pay off early, you may be entitled to a refund of part of the finance charge.
Late Payment: If you fail to make all or any part of a scheduled installment on or before the 10 th day after its scheduled or deferred due date, you may be charged $10.00 or 5% of the unpaid amount of the installment, whichever is less. If interest is assessed after maturity, no late payment fee will be charged on the final installment.
See the contract provisions on the reverse side for any additional information about nonpayment, default and prepayment refunds.
Itemization of Amount Financed: Amount given to you $ 300.00, Amount paid on your account $00.00
You warrant and represent that you are not a debtor under any proceeding in bankruptcy, insolvency or reorganization and have no
intention to file a petition for relief under any chapter of the United States Bankruptcy Code.
NOTICE TO CUSTOMER
A) DO NOT SIGN THIS BEFORE YOU READ THE WRITING ON THE REVERSE SIDE, EVEN IF OTHERWISE ADVISED.
B) DO NOT SIGN THIS IF IT CONTAINS ANY BLANK SPACES.
C) YOU ARE ENTITLED TO AN EXACT COPY OF ANY AGREEMENT YOU SIGN.
D) YOU HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE DUE UNDER THIS AGREEMENT AND
YOU MAY BE ENTITILED TO A PARTIAL REFUND OF THE FINANCE CHARGE.
Member (Digital)Signature: Sandra Pinto
Sandra – There are so many things wrong with this notice, where do I begin? I’ll just cut to the chase – it is bogus.
Received a call from National Courier services saying they are representing Cashnet USA for a psyday loan. Said they will be delivering legal documents tomorrow at 12-4 and I need to provide 2 forms of ID. Or they will go yo my work. 214-299-5817 was the number.
Got a call from a company called Recommendations Management. I tried to find information on this company and nothing pulls up. They are telling me that they are fowarding all my information to the courts to attach my wages. Funny, they don’t know where I work!! Also, when I asked for written documentation, I was told I wouldn’t receive that information until I made my first installment payment. I asked for there address and couldnt even get that out of them!!!
716-253-6594….
866-597-4639….
888-599-1499
866-597-4659
The above telephone numbers are from Randy Zaffran and it’s a scam operation being run out of buffalo. The above web sites are stolen names from companies that closed years ago! Report to FTC and ATTY Gen office if you get any of these calls.
was contacted by a male figure with India accent saying he was Dominic Spencer federal officer.He went from saying he was taking me to court for a loan.His position went from federal officer to restitution clerk,WOW!!!He stated that I would be in for alot of trouble.He told my fiance threats as well.I am authorizing the authorities to go after him.He also stated I would be arrested for internet fraud.He must have gotten my info. from some other loan I applied for but never went through on.
I have some advise for everyone that have been getting these threatening phone calls from these scammers. DON”T ANSWER THE PHONE IF YOU DON”T RECOGNIZE THE NUMBER! If the scammers can’t talk to you they can’t scam any money out of you.If you do answer the phone and the scammers start telling you you are going to be arrested and they are going to garnish your wages THAT’S BULLS#$T. That requires a court order and by law you are notified of the court date in writting so you have a chance to show up. No matter how much they threaten you NEVER give them your personal information,bank account numbers, social security anything. They are on a fishing trip and the more info you give them, the easier it is to clean you out.Notify your family, friends and especially your boss that you are being scamed.Then if the scammers call them they won’t be caught off guard.Lets put a stop to these theives,all debt collection is regulated by Federal Law. Get informed. Know what the Statute of Limitations is in your state. Don’t answer the phone and give these scammers an invitation to make your life miserable.
Here is my story…
i got a call yesterday from a company and they stated that they were a pre-litigation firm contacting me on behalf of their client (i think they said BMI or something).
the call was concerning a cash advance loan that i obtained over the computer in 2007. they said i owe $1500 and i needed to give them at least $25 before i got off the phone with them or i would be arrested and have to spend $5000 to get out of jail, have to pay court fees and get put on probation.
then the guy wanted to know why i took the advance out in the first place and why i haven’t paid on it. he said i was going to get charged with check fraud from across state lines since the company is out of state and when they tried to retrieve the funds from my account the money wasn’t there.
of course, i got VERY upset! the thought of being locked up away from my husband and our kids scared the hot piss outta me! so i went ahead and gave them my pre-paid debit card info and told them i would try to make a payment when our tax money came in and then he wanted to know when we filed. then he put me on hold to call their client and when he came back to the phone he said we need $25 on 2/28/2013, $50 on 3/4/2013 and $1450 on 3/15/2013 to keep you out of jail this call is being recorded.
my husband came in the room and said “you don’t know who those people are! you have to be notified in writing to appear in court before a warrant is issued! don’t tell that man on the phone anything else!” the caller seemed to get angry demanding that i tell the big mouth in the background to shut up and stay out of this business since it did not have anything to do with him! unless he plans to bail you out of jail he needs to shut up!
now that i know there is a possibility of this being a scam i am going to call the company back tomorrow and request the name and address of the company and ask that they notify me in writing of this debt that i owe and i’ll see what happens.
thanks you all for the good info listed here. it has helped me out a lot!
my husband had a couple of good points: #1. if you owe them $1500 do you really think they would let you go six years without saying anything to you about it?
#2. you mean to tell me that they want $25 from you right now and you owe them $1500? if somebody owed you $1500 would you settle for a payment of $25? that’s dumb!
another good thing is the debit card info i gave them was from a pre-paid card. i load money on there on a need to basis and the only thing they will get off of that card is their feelings hurt! i can get another pre-paid card so no money is going to be lost to the would be scammers (if this is the case.)
I was called last week and given very specific and confidential details in re: to a PDL that I had taken out and not paid back due to falling on some very rough financial times. Basically – my choices have been to either pay back these unsecured debts or feed my children and keep the electricity on. So, in my case, I knew I did owe a debt when this guy called (Jack Roberts – Central Check Processing) and he stated that I needed to set up a pymt agrmt that day as it was the deadline for him to either set up an agrmt w/ me or file against me in civil court. I set up a pymt agrmt w/ him which sounded legit and he knew my bank acct info. also. Thank God I decided to set up the pymt plan w/ a green dot card. I made the first payment of $220 a few days later. I had called the # he gave me to confirm the company name etc. and it all seemed up & up. Today, I went to call him to arrange to have the final 2 pymts taken from my bank acct instead of green dot and the line was busy – several times. I typed in his name and company online and was blasted with scam warnings – why did I not do this as soon as he called? I truly am an intelligent person but, I guess I was scared of court, lawyer fees etc.. I was also trying to make a good faith effort to pay back a debt that I owe. End of story – I called my AG’s office and found that they are aware of this scammer company and unfortunately I cannot recoup the $220 since it was paid on green dot card. The silver lining – I discovered this before I got in touch to give him my full bank account information and approve (2) more pymts of $220. AG’s office told me that if anyone asks for a green dot pymt., it is a safe bet that it is a scam.
Dawn – so sorry to hear you lost money but glad (I guess) it wasn’t more.
I received a call today from tonkawa, OK and they told me that my loan had gone into default and if I did not pay the $398.00 they would send a sheriff to my job or home to serve me with court papers and I would be ” Behind bars” for 6 months. I got scared because between my husband and I we have 5 kids and he is disabled so I’m the primary parent. So I ask them to give me the number to the payday loan company and they gave me a number and I called them and try told me that I seemed like a genuine nice lady so they would wave the fee and all I would have to pay back is just the $300 I borrowed and he told me to wait 15 because he was going to fax the law firm. So I proceed to do so and called back and the guy I spoke with . Sean Williams told me that they granted it and to go to Walgreens and get a vanilla reload network card and call them and give them the 10 digit number on the back. So my stupid a** did it. Well then he said he would have to call me back with my confermation number? Really?? Well then 15 mins after I paid them I got a call from MO telling me the exact same thing!!! And I blew up and said well maybe I need to get a lawyer and sue you! Then he proceed to tell me that he was going to follow thought with further prosicution and that only god could help me now and hung up. So I called the firm from OK and they said it was because I owed another loan. Which I do. But mind you I just got these loans on March 1, 2013 and the other March 5, 2013. How can they already be in default? Anyway a man named Ted or Tod Cummings spoke with me and said I lied to his officer. Sean Williams. And didn’t tell him I had another loan. Ok if u could pull up the other one why couldn’t you pull up that one? All this makes since after I have done gave themffhdhd $300! Then he told me to see what I could do about getting the other loan taken care if and to load it on a different vanilla prepaid card. That it could not be the same card as I used before. Why? It’s reloadable. He told me he spoke with the credit burea and everything. I have anxiety issues got so scared I threw up. The number they called from was 580-823-1582. So I got mad an looked the number up online! It’s a cell phone the person who owns the phone is named Ada. What law firm is going to call you from a cell phone? I can’t believe I let them get me!!!!!
I am so sorry to hear you lost money on this scam! Wish you would have found this article sooner.
I just got a call from a 716-748-7926 saying the I need to call 1855-755-7080 cause if I donot call they are going to file charges against me and they needed my address is these true.
Ana – Do not pay a penny until you verify this is definitely a legitimate debt. Ask them to send you written notice of the debt by mail (not email or fax). This is your right under federal law. If they refuse call Fraud.org for advice as it’s probably a scam.
I was contacted by a guy who claims to be with a lawyer firm. he said that charges were filed against me for taking out a payday loan online. It is against the law in the state of “North Carolina” at the time I did’nt know this. When I asked who filed charges against me he mentioned the Social Security Commissioner, the Federal Credit Commission and the Attorney Generals Office. I called all these offices and they all said it sounds like a scam so i gave all the info I have. He told me if I settel out of court I would pay $600.00 and if I went to court I could pay $1000.00….he also said I could be arrested. The loans I took out I pay them monthly, the Attorney General told me not to worry but this man keeps calling me.
You may want to check out this article on ideas for stopping these scammers: How to Beat Debt Collection Scammers at Their Game and 7 Ways to Stop Overseas Debt Collection Scam Calls
I got a call last week for my husband from a 215-987-5464 said his name was Officer John William gave me some Badge #. Said my husband had a complaint out against him for a Payday Advance Loan from 2011 and the charges were 849.25 with the original loan amt and intest charges and court charges and said he was fixen to issue a warrant for him if we didn’t pay that amount. I told him I didn’t have that kinda of money that I would have to set up something on a pmt. I told him I was already in the negative at the bank but I had overdraft so I could pay the 100.00 today but he said he wasn’t allowed to do that since I was at a negative I told him it would go thru, so I told him I would give him my daughters debit card number cause she had the money and he said it had to be under my name so he told me to go get a money pak (green dot) and call him back with the number on the back. I did that and have to pay another 200 on the 16th and then the other 200.00 next month because he took 300.00 off the original price I owed. I paid the $100 because I was scared and don’t want my husband going to jail but I told him I wanted paperwork sent to me and he said he would send it when it was paid off but he would send a reciept to my email and I have not got it yet. I wish I knew if he was really with the Federal Crime Dept like he said he is or if he is a fraud. Cause I don’t want to give him anymore money but I don’t want my husband going to jail. I know we got a loan thru them but it was suppose to come out of our acct every payday but he said they tried and it was not taken out due to insuffient funds but I can’t remember wheather it was paid off or not. Does anyone know a site I can look under to see if this is a fraud? Please HELP
Becky- You have been scammed. Please do not send them another penny and report them to your local law enforcement agency and to the Consumer Financial Protection Bureau.
Kept receiving calls from an ATG Credit…………………spent a few hours doing research and found that one of the owner’s is a guy named Andrew Twyman.
Found his home address and phone number, and now I call him in the middle of the night just to say “Hi.”
I got a voicemail yesterday from a Jacklyn Shriver or Traver (couldn’t understand her) saying charges have been filed against me and gave a case # with 7 numbers followed by -MI (I live in Michigan). She addressed me by my full name and then said “also known as” and said my maiden name. She sounded very stern and threatening. She said she needed to verify some info, kind of rambled about different things, basically saying if I don’t contact the firm she will show up in person at my residence or place of employment. Instructed me to call the firm at 1-877-698-2249 and said something like “you have been notified.
Today, same lady called & left another message, said the same crap including this is her final attempt, blah, blah, blah but this time left a different number 1-855-809-6119. Again, ended her message with “you have been notified”.
I googled both numbers but nothing comes up, not even as a fraudulent number, so they may be newer numbers. That’s why I wanted to post this in case someone else googles those numbers. She did not disclose any specific information about the charges, didn’t say it was debt collection or anything. Did not state the company she works for or the name of the “firm” I’m supposed to call.
A few months back, my best friend got a threatening call from someone re: me saying I was going to jail if I didn’t pay something by the end of the day. I had used her as a reference on a payday advance through Check N Go so that’s probably how they got her name and number. She called me hysterical, I freaked out and of course, called them. The guy was very rude and told me I’d go to jail if it wasn’t paid that day by 4 and told me I’d be arrested for check fraud. I explained what happened, did not give any info or offer payment, but was so upset. I completely freaked out and thought “oh my gosh, who will take care of my kids if I go to jail?” I called my attorney and he told me to ignore it, and that no, I could not get arrested. I was relieved!!! I do owe on that payday advance mentioned above, I believe it was from a year or two ago. I lost my job after, fell on hard times and am still picking up the pieces financially and haven’t been able to pay it. Now that I’ve read this, I’m pretty certain these callers are scammers. Beware people! Oh yeah, and of course, when I listen to the envelope info of the voicemails, they are blocked and it says “an outside caller”. I wish there was something I could do to get these clowns in trouble, because if I had made any payment and found out it wasn’t paying my debt, I’d be devastated.
Thanks to whoever made this blog and thanks to everyone who has shared their stories and provided links & additional information so we all can benefit from educating ourselves.
Have been receiving calls for about a month from John Ryan at the AR Group, leaving VM’s saying that they are getting ready to file 2 legal documents against me, and to call back at 888-543-9421 ext 303 regarding the matter, also leaving a reference number. Today he calls and leaves the same message and says that they are filing the legal documents today and that I need to call back. Repeatedly when I try to call back I get the message that “the call source number is no longer in service”, including a number of times today. The call originally came in from 800-533-9421 which is a totally different contact when I call. Last year I mistakenly accepted an online payday loan that began a nightmare in my life for $200, and don’t know if this is a connected issue. Earlier this year I was getting calls from a woman from TYCOLIFTS who I provided documentation to about the transaction, and when pressured to pay, she said that she would accept a 3 payment commitment by providing her a valid card number which could be a prepaid card. I did so and the first payment was deducted, then I lost my job and could no longer make payments. She told me that she would not be able to keep the account from legal action, and did not hear from her again. I don’t know if this is connected, but really regret taking the small payday loan online in order to pay my rent when I was out of work. Now I don’t know what I’m facing with the legal document threats and being unable to contact the source caller for information in order to try and resolve whatever is the issue. Now that I read the other postings, I’m not even sure if I made payment to a legitimate source either because just after making the loan random deductions began coming out of my checking account so badly that I had to shut it down. Hope my posting this information helps another who is thinking about taking a chance with online payday loans, and thank you for the website to share and help others in such need.
this is happening to me they made me purchase 2 green dot cards for 425 dollars i keep calling them back and they are not answering the phone. I am only 21 years of age i don’t know what to do or how to receive my money back. Can somebody help?
bb – Unfortunately, the likelihood of getting your money back after a scam is next to nil, especially with them being prepaid cards. Whatever you do, don’t send them any more money and as Gerri stated in a previous comment, “Consumers should never send a prepaid card to pay a debt collector. Not only is this a favorite method of payment for the scammers who take the money and run, you’ll have no record of the payment if it were a legitimate debt.”
Most of these scammers are hard to trace, and if they’re in other countries it makes it even more difficult. Still, you may want to try filing a police report, and then filing a complaint with the CFPB at consumerfinance.gov.
Joshua hanks and angela brosky are calling me say they are fromfraud and worthlesscheck division
This person called my job and has been calling my cell phone, blocking their number. He left me a message saying his name is Michael Hunter and that he’s the senior locator for the processing and summons division for the state of Florida. He said I needed to contact my case worker, Mr. Moss immediately regarding 2 fraud charges against me for writing bad checks and that need to serve me with a warrant. I never called them back and did a google search on this and saw it’s some kind of a scam. They have also called my job, but we have an call center who wouldn’t put the call through. He said I needed to call 1-888-978-4319 extension 147 and that my case number is 431-923