440-290-4130

This guy called me saying I owed a payday advance loans 2 different but could not give the company's name or number an said he was to collect the debt

How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.

The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.

The debt collector refuses to give you a mailing address or phone number.

The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.

Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.

Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.

Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/

I receive this phone as well what you be done? Should I return phone call?

this message said to call back asap 440 290 - 4130 asked to speak to me or my attorney has a case against me and if he didn't hear from me.  He would file the claim against me and good luck.

Same auto message that says "This is James so and so from so and so trial that you have a debt" blah blah blah. This auto message has been from several different phone numbers that have all reached out from Ohio. Ignore, it's all a scam.

Pre trial legations person from Ohio . I just hung up. A scam !!

I got this same message this morning at 8:32am from 440-290-4130 and they left a VM on my phone stating I or my attorney needed to speak to him today and if not then they would see me at the trial.  If someone has a claim again me to take me to trial shouldn't I have received papers in the mail or email?  It was like a threat that if I or my attorney didn't return the call today then I was waiving my rights to an attorney and they would see me court!

Just recd the same call.  They just keep calling from different numbers

Just got the same call. Telling me that I need to call him back or my attorney. How do they get my phone number to keep calling for this.

My elderly Mother received a call from this number in regards to a lawsuit. This number is definitely FRAUD!

Please, anyone reading this, if you receive any calls from this number stating that you owe money or are involved in a law suit
report them ASAP to the Attorney General's Office of your home state.

Remember, the only thing evil needs to succeed is for good men and woman to do nothing!

They called me as well. Starting is a payday loan.  I have 2 federal charges pending. First he said it wax 2011 the loan was taken then 2008. He couldn't give a name of the company. He asked for a 3rd of the amount and said I have 24 hours.  I asked for documentation he couldn't provide. SCAM SCAM SCAM. They are not following the correct procedures & laws to collect a debt.  Then when I told him that the debt isn't on my credit report.  He stayed well it doesn't show up there till the cent is paid. Ummmm Houston we have a problem because my mama didn't raise no fool.

I actually called these people back to let them know that I emailed the Attorney General Office in Ohio. Would not tell me the name of the company. Some snot nose answered the phone and said that this is a legitimate company or " we would not be in business ". Would not give me her name or any other information, including the proper name of the company.

Remember, any legitimate company would contact you in writing and would not be calling!

440- 290-4130 IS DEFINATELY FRAUD!

Don't be afraid, people, speak up!

Just because they are "in business" does not make them legitimate.

Legitimate debt collectors follow the law--including providing the name of their company (per the FTC):

How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.

The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.

The debt collector refuses to give you a mailing address or phone number.

The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.

Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.

Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.

Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/

Hi Ree -

Called the [***] back to see what would happen. Phone rings and then they hang up w/out answering. FRAUD! FRAUD! FRAUD!

Shine a light on these guys and they run like cockroaches!

Let me check my email now to see if I got one of those automatic responses from the Ohio State Attorney General's Office.

Good for you for not being fooled - Best - And have a great rest of the day!

Just called again and asked for the name of the company and the same snot nose answered the phone and I asked for the name of the company. The woman ( sounded like a young girl ) said I was harassing her.

Tell her it works BOTH ways---and you are going to find out the identity of her company if you have to take her to court to do it.

Yep they can't fool me. Then I said oh I'm unemployed do I can't pay.  He then says well I can only help people that can pay.  I said that makes no sense you should have payment options for both employed & unemployed individuals. I then kept the same questions differently and he was stammering.

Called and left voicemail: You have a pending case against you? Please have your lawyer contact me.

Sounds VERY scam like.

I've been getting these calls for years from numerous numbers.. When I asked them for something in writing, they said they couldn't provide anything in writing until I gave them an electronic form of payment.  I said that's ridiculous, and that they have to follow debt collection laws.  They said they are not a debt collection firm, they are a pre-litigation firm so those laws don't apply to them.  I told them to come serve me since they have their "locator" after me...I'd be waiting...one guy called and said he'd be at my house by 5 pm that day...
Don't give these people any money.  Everything they say is a lie.

I got the same call. Hopefully karma takes care of scammers. I don't fall for those scams but I could see how someone might fall for this one. When it comes to the law people get a little scared.