585-278-1683

Call from 585-278-1683 left me a message stating they were Investigator Johnson and had a fraudulent case against me and would prosecute in the County of Campbell.  They left this message @ my work number.  I have received calls from this Investigator Johnson quite some time ago, but from a different number threatening me.  I contacted the FTC and Attorney General and the calls stopped.  Now they have started up again from a different number the one mentioned above with the same speech, fraud, prosecution etc.  I called the above number back and a lady answered:  "Miss Johnson" how may I direct your call?  No mention of a company name, just Miss Johnson how may I direct your call.  I asked her what company this was, she asked me who I was, I gave her my name, then she said OH, and said, this is Investigator Johnson and did her speal again about presecution, fraud.  I asked her to give me the name of the company she would not, she said I was going to be sued and go to jail if I did not give the info she wanted.  I asked her to send me something in writing, she refused, I requested her company address she refused, I then said I was contacting the FTC and Attorney General and Police and she hung up.The calls will probably stop for awhile then start again but from a different number.  I wish something could be done about these people, it has to STOP.  Please help in anyway you can.

Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

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 whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or 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. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

Well let me just start by saying Mrs Johnson also contacted me at my place of employment as well. A message was left with one of  my co workers for me to return her call as soon as possible. Before I called her back I googled the # and this is what I found!... Around 3:30 pm I received another call from her while still at work. She did not in any way shape or form threaten me at all. She explained to what was going on and gave me the option of resolving this voluntarily or possibly having it go against my credit or even a civil judgement being attached to my name and social security number. Of course I was willing to resolve it. People fail to realize that OUR economy is the way it is today because of people such as yourselves above. If you borrow something pay it back. These companies were kind enough to help all of us out in a time of need and when it came down to repaying them we declined on our end of the bargain. Usually its the debtors with intention on resolving their debt that have all of the negative things to say. I can honestly say that speaking with Mrs Johnson lifed a lot of weight off of my shoulders. They are not out top get you or scam you. They try to work with you. Shame on my fellow americans

got call from lady said owed for payday loan that i got last year. only problem is i thought i alrdy paid it. however i do pay back what i owe and i am crazy about my credit. im just not sure if it was alrdy paid nd if it was i dont want to pay again. woman was very nice never once said i was going to jail as the above person mentioned. she did say that i can be sued nd the can be a judgement placed against me. i just want to pay it if i owe it but im not sure if it was alrdy paid. any suggestions

Ms Johnson called me saying tht ii owe 954.00 on a loan bhut she
Also said if ii paid 224.00 they can close the case
If not some1 is coming to arrest me ii can't afford anything
Right now recently Hurricane Sandy flooded my
House. I Dnt kno if this is a scam or not the company who ii owe to
Is united group holdings I want to speak to them
But she won't give me thier number. I need help.

Demand that she send you written verification of the loan.  If she refuses, then you know it's a scam.  People do not get arrested for bad debts-- that part sounds like a scam for sure.  Preying on people who have experenced tragedy -- there should be a new level of hell for people like that!

Debts are civil and not criminal matters. And, the fact they will not give you a phone number is a red flag they are attempting to extort money for a non-existent debt:

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

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 whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or 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. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

Can we say SHILL ALERT - all together now, people.....!

Also this all started last Friday she keep saying
If ii Dnt pay she will release my information so they can
Serve me or arrest me I have a 1 yr old child a flooded house
Nd no where to live does anyone knows a hot line tht can help me also.

Take a deep breath---and calm DOWN.

Read the information provided in my previous post. You CANNOT be arrested for a debt--whether it is legitimately owed or not. Whoever this is is attempting to extort money for a non-existent debt and they could face criminal charges if they are tracked down:

Here is the contact information for the FTC:

1-877-FTC-HELP (1-877-382-4357)

PS--If they call again, let them know you are aware they are attempting to extort money from you for a non-existent debt and have reported them to Federal authorities. It would also be a good idea to let the FTC know when you call that you were flooded out of your home by Hurricane Sandy, you have a baby and these criminals will not stop harassing you.

My name is Alannah Johnson,  Never once have I ever threatened anyone with jail! That just sounds absurd! What I said was I have paper work that has been forwared to my office for rewiew in reguards to a loan that was obtained. Yes we can sue you and yes we can have you brought in to court! I work for an ADR firm which is an alternative dispute resolution firm. We try to handle the matter b4 it goes any further. Alfalfa maybe you should google that!

The FTC rendered this opinion.Try googling them.

Rendered what opinion? Nothing I said or have said was illegal! You get the people that think of every excuse as not to pay and then you get the people that are honest and willing to resolve! GOOGLE THAT! have a nice day

This isn't a discussion as to whether or not we should "pay our bills"--

This is about consumers' rights when it comes to the collection of debts.

Thanks for playing.

I am well aware of the FTC act as I am sure are too! I know what I can say and what I cannot. Nothing I said was out of fashion so with that being said  I would like to thank you for playing!

Good Morning Alfalfa!
It appears that 'Allanah' is being defensive. Shills are like that aren't they?
I hope she has not threatened suit in her 'legitimate' threats. Doing so without following through is a very clear violation of theFDCPA. Google that 'Allanah' and keep it in mind when you make more calls. I'll bet that losing that ploy is gonna hurt her income ain't it Alfalfa?

alannah...yes you can sue,but remember if its time barred you cant sue..if its not time barred and the PDL is illegal in which there is 12 states and other states have hard restrictions you know not to take them to court why you say,,,if its illegal the courts will fine you thousands of dollars for loaning money out when you have no license to loan money and for violating the restrictions where it is legal
i checked for ADR in ny and your not even license to collect money in ny
PEOPLE there is 12 states where a PDL is illegal they do not have a license to loan out money..VIOLATION
also they need to be license to collect money so make sure you check it out
check the SOL in your state if the SOL has passed they cant sue you
whatever you do NEVER GIVE THEM YOUR BANK ACCOUNT OR C/C..they will max out your c/c and they will debit your bank account until all your money is gone
if you want to pay them then use money orders and get a legit address from them..do nut use W.U. or but a money card they cannot be traced and they will get the money and say they never got it..also if they say they dont accept money orders then you say WHEN YOU DO ACCEPT MONEY ORDERS THEN GIVE ME A CALL AND HANG-UP..
remember these low lifes only get paid 7.00 an hour they need to collect your money then they get 15% of what they collect from you and they are desperate thats why there posting there lies and scare tactics on here

Good morning back at you.

Yep. I am not going to waste my time arguing with industry apologists. Why would a poster (or anyone else, for that matter), who has just been left homeless by a hurricane and with a one-year-old child make it up they have been threatened with jail out of the blue over a debt they know nothing about?

They can't.

Shame on YOU for being a shill.