716-404-4711

this number is fraud and scam do not pay!!!!!!!!!!

This "Paul Rosenberg" called me alleging they were filing a judgment against me from a payday loan of $300 back 2006. I was forwarded to a "Stanley Lock" in Buffalo,NY (allegedly, he refused to give me a physical address but I managed to get a PO box). These people would NOT give me a physical address, gave me three different names for the alleged "client", "got the client on the phone for me which was "special" circumstance to reduce $1450 to $440 which they wanted paid withing 10 days. They were attempting to immediately collect a credit card/secured bond number from me in which they would have to "transfer" me to another party as they can't "directly take my payment???" ....on a recorded line. Argh

Anyway I got in touch with the FTC and already placed a fraud alert. These [***] WILL try to scare you with a case number and immediate legal action, they can and may have some of your personal information. DO YOUR RESEARCH BEFORE YOU SURRENDER PAYMENT TO ANYONE ALWAYS!!! There are plenty of laws in place to protect consumers! contact the FTC for fraud alerts on your credit as well as place a complaint for fraudulent collection/suspicious collection activity. IT TAKES NO TIME REALLY!!! DON'T JUST LET THESE A$$H*LES GET AWAY WITH THIS STUFF

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.consumer.ftc.gov/articles/0258-fake-debt-collectors

CREDIT MERCHANT SYSTEMS
DIRECTOR OF OPERATIONS: STANLEY LOCK
PO BOX 726
BUFFALO, NY 14014

DIRECT NUMBER: 716-404-4711
866-462-7786

****I DON'T EVEN KNOW IF THIS IS ACCURATE, ITS WHAT I WAS ABLE TO COLLECT FROM THEM****THE PHONES DO WORK