877-215-3445

This company is called "Atlantic" and they are big-time pay day loan debt scammers.  Usually these phone scammers are foreign, but the guy I spoke to on the phone was American.  He said his name was "Kenneth Winters" and that I owed his company money for a "past pay day loan" from 2012, which I knew was a lie.  I reported the company to my local Sheriff's Office and the FBI.  DO NOT GIVE THESE PEOPLE ACCESS TO YOUR BANKING INFORMATION.  HANG UP AND DO NOT TAKE THEIR CALLS.  They are identity thieves.    They also called my house using several other numbers, one was even a local number, 803-567-3649 and the other was 877-215-3445.

We have also been receiving calls from this company...asking for our son (who is 30 but lives at home). They make it sound awful saying its official business and they are not allowed to disclose anything except to him. They state that it is imperative that he gets in contact with them concerning an "on going investigation". It scared me to death...he works 2 jobs so it's difficult for him to call. I'm just not sure what to do?

This sounds like a scam.  The FDCPA does say that debt collectors can only disclose info to the person in question so these fools shouldn't even be saying that it is an ongoing investigation.

Thank you for your response. It is greatly appreciated!

These people are identity thieves...DO NOT GIVE THEM ANY INFORMATION..they use various different phone numbers, some are location area code numbers.  Report them to your location policy, FBI and attorney general.  At some point you may have applied for a loan over the internet and now they have your information.  Please know that the police or any court system will NEVER call you on the phone to verify information.  They will send you registered mail or go to your home or place of business but they will NEVER call you ahead of time saying things like "there is a claim against your name and/or social security number", "you are part of an ongoing investigation", "you committed 2 counts of fraud" etc.  I wish we could put a stop to these callers but all you can do is be informed, don't answer their calls and/or block the numbers on your phone.  I have been going thru this for 3 years now and no one has put a stop to it...we need to get the media more involved and report all of these scams

I received a phone call from this company stating that they needed to get in contact with an employee due to an investigation on that employee but the employee was my old maiden name so, yea, these guys are big time scammers. Do not even call back. If you feel inclined to answer, don't acknowledge that you know who they are calling for, then state that you have reported their number to the Better Business Bureau as well as the FBI. They'll stop calling, Guaranteed.

I received a call from this company at my place of business today.  They are horrible.  I was in a meeting with my fellow teachers and the secretary calls and tells me I need to talk to this man that is on the line because he is saying he is coming to the school after me.  When I talk to him he states his name and tells me he has been authorized to deliver documents..trying to sound all aggressive and that charges are being brought up against me.  He puts a lady on the phone..Amanda Kyle... who states that she can take four payments from a debit or credit card.  I did not have access to any of this info and I told her I would have to talk to her later.  She call me back later and I tell her I am not giving her my information over the phone and that if I indeed "owe" this money..she needs to mail me a legal document telling the amount I owe and all the information about the lender and that I would send payments in form of a money order.  She tells me that they dont accept money order payments or payments that are mailed.  She also tells me that they cannot give me their address because of privacy information....thats crazy...and that nothing can be mailed to me until they get the promise to pay information from my credit card.  DiD NOT give her this info,  Let him come right on to my job...I will have the sheriff deputy there ready to question him.   To Lori from an earlier post...that is what they do...scare you.  I have had them call me mother as well.  It's funny because the same man has called me from several different numbers.  I am on the DO NOT CALL list.  Dont let them scare you.  Tell them that he can come right on to your house and that you will have a sheriff deputy there waiting for him to ask him some questions.

The DNC does not apply to debt collectors. They fall under under the FDCPA laws. In this case, extortion scammers need reported to to the appropriate agency's.

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.

Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html

For Extortion Scam Operations,  File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..  Emails can be attached to complaints filed with IC3, the cyber crimes division of the FBI.

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.fraud.org/
http://www.stopfraud.gov/report.html
Tip off FBI about this extortion attempt by filing form at: stips.fbi.gov/
http://www.consumer.ftc.gov/blog/haunted-phantom-debt

Also see here:
https://800notes.com/arts/I2neMkbUAAo/where-to-report-phone-crime
https://www.westernunion.com/us/en/fraudaware ... and-answer.html

Also read up on the laws and your rights:

https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

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
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:
http://www.dfi.wa.gov/consumers/alerts/nationwide-debt-association.htm
http://www.fbi.gov/scams-safety
http://www.ic3.gov/media/2014/140627.aspx
https://800notes.com/forum/ta-944ec1426a8bcbb ... service-attacks
http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
http://www.net-security.org/article.php?id=1828
https://800notes.com/forum/ta-86217073a9c8dad ... 077595690349410
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
https://800notes.com/forum/ta-b95e185ca7ca356 ... debt-collectors
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
http://www.fdcpa.me/fake-process-server-injunction/
https://800notes.com/forum/ta-9413b3202bc8b6c ... net%27s-tactics
**************
http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
http://www.cashnetusa.com/consumer-notices
**************
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.

Guy Named James called my husbands cell asked for me answered it He said I had a claim however would not tell me what it was for when asked he asked me to verify Address Hung up He called me the next time on my cell I frankly told him I do not know him and I am not going to give him any of my personal information and told him to stop calling me and hung up He called me again many times left a nasty voice mail telling me I have been officially served for a claim order 452053 and said I needed to contact 877-215-3445 to resolve it. the unknown number it called from was 208-614-0956 I know its fake don't answer some kinda scam

I'm getting threatening phone calls from this number and I have no idea why???  My mom is too!

Basic RED FLAGS of a collections scam..

1: Initial call comes from a number other than that left by the caller.
*Scam collections are known for spoofing a number within your area code in order to give one the impression they are local.

2: Caller claims to be a legal server or locator and is calling to tell you they are serving you unless you call a number to settle the matter.
*Servers show up and serve. No warning. No last chance. No scheduling to serve.

3: They ask to verify it is you they have reached by requesting your full social or last four digits or birth date.
*This is what is known as PHISHING. Used to gather aditional info on you. Used with any other info they already have can lead to identity theft.

4: They leave a message telling you the last four digits of your social and any other of your personal information.
*Used as a scare tactic in a threatening manner.

5: They leave a message without leaving their full business name and contact information as well as the caller's name.
*Legit companies leave proper and professional non threatening messages.

Called me using my maiden name asked for my home address I refused to give it to him I told him to find a new line of work before he goes to jail he said some company named Atlantic hired him, I said I don't like scammers, he said "give me your address now" so I gave him the address to the FBI and their phone number. I then reported his dumb ass.

Just an added thing to my post these morons have now called and left me the messages saying "we have secured an address and will deliver papers" it's the same guy using a different name each time he calls....really? Sad people fall for this.

This company claims I owe them for a payday loan from 2012. I have never taken out a payday loan ever!!!!

On October 8th, I received a call from a man, that a claim has been brought against me, and I have on opportunity, to contact him to resolve this matter, So I call back I spoke to a man Named Derrick, he explained to me it was for a Payday Loan, for $590, I told him I don't remember Taking a Loan out, and that I didn't have any checking accounts, he didn't care, he asked me how would I like to take care of this, am also he threaten legal Action if I didn't take care of this, I asked him If I can make $50 payments every 2 weeks, he had to check with his boss, his boss told him $75, he got back to me and I agreed. I can't standardise guy, very difficult, rude, they don't have a website, it's under construction, there LIARS, SCAMMERS, AND JERKS.....Later I found out, that The payday loan was from Titan group L LC

This company have several different numbers, 877-215-3445, 877-690-0748.  They speak so fast they will tell you fortune consumer services, (lie)  they are sierra consumer services Inc they are located at 1712 Pioneer Avenue Suite 6748, Cheyenne WY  82001.  They are bottom feeders, they will call anyone to harass you and when they stop another company gets the information and it starts all over again.  They stated we took out a payday loan Jan 2012 and that we need to pay our obligations.  My husband said he never did this so I was on the phone with the guy and the guy said to me now you need to admit that you did this and didn't want your husband to know.  We did not do this and when we asked for a piece of paper that had our signature on it, he said we don't have that then he said he was looking at it.  I insisted he send it to me and he said he didn't have to and that I needed to just pay my bill.  I have sent a letter to them requesting a validation of debt and also to only contact us through postal mail.  We shall see what happens next.

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/

This company wanted my card info as well did not give.