855-935-3682

So did I. Mr. Number calls it as "Suspected Spam". Left voicemail for a name I don't know saying "A.R.M.W.R.Y." (they spelled it out in the recording) wants to speak to them. Weird. Dumping them in the Mr. Number spam hangup list and moving on.

I have been receiving calls from this # stating that they are collecting a debt for a payday loan. I am so over it.  Does anyone know if this is a scam or not.

wanted to talk

Just got another call from these fools...they call from 1-855-519-4476 but they leave a message to call at 1-855-935-3682. I'm sure they are some kind of illegal operation stating they are collecting on a debt....They spell their name as ARMWNY....lol sounds phony to me. Real debt collectors send letters on letterhead with a physical address of company.....Good luck scammers!!!!

Does anyone have information on these people, address or something if so post it please ! Sick of it and i am fighting back,

same thing said they were gonna send someone to serve me at my job, told them go ahead, my family is with sheriffs dept & i would ask over breakfast. :-)  they listed one address for me which is old, i told them to mail me any info that a legitimiate company would have the correct address.

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

I have been getting calls from these idiots too. I was getting calls from AFB at first but now it is from ARM. They told me that they bought out AFB. Neither one of them are legit. They did give me an address when I asked...even thou it is a post office box. The address is PO Box 903 Gettsville NY 14068. I spoke with a Brian Smith. They are trying to collect on a pay day loan. The same address as AFB except AFB was PO Box 901. The numbers that they are calling me from are 855-735-4661 and 855-935-3682.

Some company with the phone number (855) 935-3682 keeps calling me everyday for a man named Perry Cole. It is really irritating & needs to stop. I have had my cell number for over 10 years & no one by the name Perry Cole has ever had my cell number.

Yes it is a scam.  I have filed a police report.  They claim I took a payday loan and gave me the date.  I verified with my bank there was no such deposit. They won't stop calling either.  I have blocked their calls.  I would suggest filing a police report as well.

They won't give you a street address, only a P.O. Box (I think 301) in Catsville, NY.  File a police report and block their calls.

You can get an app to block their calls.  Just know they will try another number very similar.  File a police report for harrassment.

Got a message from them yesterday at 855-935-3682, and another call from them today from number 248-200-5069.  The message left just now sounded much more urgent in that they stated that they were going to have to make a decision.  I thought it was funny that both messages mentioned that they had made numerous attempts to contact me, when I've received nothing in the mail from them.

They just called me asking for a friend and when told them to remove my number from their list I was told no.  I called back and told them to remove me again or I will come after them legally and they apologized profusely.  Called my friend and she  never heard of them.  SCAM!!!!

This people keeps calling me that they will send the police to give me the notice to appear in court

Please see Alfalfa's post above!
More info for you:
https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

And see:

https://800notes.com/forum/ta-86217073a9c8dad ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.ht
A Collection Agent May Not…

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer’s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
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http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
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Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

— filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.

I too asked for an address. They refused a physical address.

http://www.consumerfinance.gov/Complaint/


These people will follow up with you concerning illegal/harassment practices

This is a sneaky debt collector.
Whether real or fake is unknown
I've received two calls from a 413-351-2421 #  & they left voice mails which are recordings.
The recordings say they are ARMWNY & asked for a specific person who is not me.
I called the number twice that was given in the recording; 1-855-935-3682 to find out who they were & what they wanted.
The first time I called the young guy said they had the wrong #  & they would take my # off the list because they're not supposed to get the wrong #'s.
In the recording it said this is an attempt to collect a debt
The second time I called I asked who exactly were they & what did they do, the person (a guy) got nasty with me & told me
not to call them anymore.
They definitely have the wrong person because all my bills are paid on time & have no outstanding debts.
If they keep calling me, I will report them.
Also found this on the internet  http://www.callhunter.com/numbers/4133512421
When searching for ARMWNY on the internet there is no information, but their communications provider is RNK, Inc in Springfield MA.

ARM stands for Accounts Receivable Management
W could stand for Western
NY could stand for New York
http://www.armindustry.com/#chitika_close_button