877-514-8548

This company contacted me for a loan that I am already making payments for and when i stated that, they informed me that they show no restitution being made on this. Ive worked at multiple collection agencies and i know how the world works and i know these loans are double, and even triple sold by brokers to different collection agencies, therefor, if im currently making payments on this loan with a different agency why would they report that to another collection agency when i tried to get them to call the company im paying they wouldnt because they cant give personal information to anyone other than me, so again, why would they report it to another collection agency?? wouldnt that be against the law of the FDCPA?? I dont want to take out the extra time to do it but i will contact an attorney if i must. Oh and not to mention the Better Business Bureau, oh and the attorney general. I also never received any certified mail stating this debt is valid with this particular agency.

To Whom It May Concern,

I am sending this letter to you in response to a notice I received from you on x/xx/xxxx. Be advised, this a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:
•What the money you say I owe is for;
•Explain and show me how you calculated what you say I owe;
•Provide me with copies of any papers that show I agreed to pay what you say I owe;
•Provide a verification or copy of any judgment if applicable;
•Identify the original creditor;
•Prove the Statute of Limitations has not expired on this account;
•Show me that you are licensed to collect in my state; and
•Provide me with your license numbers and Registered Agent.

If your offices have reported invalidated information to any of the three major Credit Bureau's (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
•Violation of the Fair Credit Reporting Act
•Violation of the Fair Debt Collection Practices Act
•Defamation of Character

If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Your Name

This company called me for 3 days in a row then all of the sudden the next week i was getting phone calls from a blocked number saying they were bringing me a certified notice of intent to appear in court and when i asked the man who he worked for he said he was Duval County Process Server so i contacted city hall to verify that i had a man coming to see me and the woman, Mrs. Smith, stated that process servers dont call ahead, that would defeat the entire purpose of being a process server, needless to say i waited all day but nobody ever showed up, this company is just like any other chop shop dont believe a [***] word these [***] say.

Call left a message that they were a law firm collecting a debt. Ext 305 Michael Lambert was his name.

Veronica Newman called and left me a message from the judicial services from the Alliance group. She states there is a pending case about to be filed. Extension 305. She left a case number on my phone. She sounded as if I had a legal matter.

this "brian mason" guy from someplace i wasnt sure was talking about money and court stuff dealing with a loan....my credit is so bad i cannot do any loans r u kidding,he had no sympathy for anything i said,but offered 3 ways to pay,and said things was mailed to me,well this according to him happened in Feb of '09.....its Sept 2015 why 8yrs later r they calling me,well i blocked this individual,cus i wasnt changing my number,ive already called the cops on this person,the cop just told me its a phone scam going around to target ppl who would pay,which i told this person i didnt know who you was and i didnt have money,and how did you get my SSN,ADDRESS,Family Names,Phone number,DOB (it was truly scary) so i panicked a bit.....now i cannot eat cus im scared still,this "man" will call me back around 4pm eastern time today,ive blocked the numbers he called me from...anyway advice please?

Same issue, however I knew something wasn't right when they asked for me by my maiden name and the debt that I supposedly owed for was under maiden name, but the date was many many years after I had been married. They said this money was deposited into my bank account and they obtained an affidavit from them. I called my banking company and their legal department said they do not provide information like that. When I called the back to get more information the lady was rude and said she will contact my job and have me served at work. She somehow got my work number, but failed to realize it was my direct line. I told her good try, but she's a scammer and I was contacting BBB. This is very scary because they are not foreigners and they have a lot of my information. I need advice and I want to make sure my information is protected. How did they obtain my info in the first place?

I received a call from a guy by the name mike wolf who claimed to be a supervisor. He claimed I was on a loan with an individual who I don't even know. He claimed it was back in 2010. I asked him numerous times if he was positive that my name was on the actual loan and he said yes. I called my local police department for them to investigate this. The lieutenant left Mr. Wolf 3 messages and never got a call back. Today the lieutenant called me and finally got ahold of a lady by the name of Michelle Davis and she confirmed that I was not on the loan. This is upsetting because it's very bothersome that he had all of my info and that he could get away with lieing to me. This caused a lot of chaos and trouble on my end cuz I had to put a freeze on my credit, etc, etc....

The caller was alliance group

They called me today about money that they took out of my account on the 7th to 3rd of 2015 without sending me any paperwork. Then there Supervisor called me and say that he is signing off on legal papers to take me to court laugh out loud they are something else. So I told him I'll be waiting on the legal papers to come to my address

This person by the name of Joshua Stevens (ext. 308) has been calling me and my relatives saying that he is about to file charges on me and that they need to give him my address and phone number.  A couple of weeks ago my account was broken into  and after I changed my info I and my relatives started getting these phone calls.  I went and gave the number to my local police station and they just advise me not to answer but it is very ignoring when I work 3rd shift and not only is I'm getting woke up by their calls my family calling me panicking and scared that I'm get arrest.  It got to be a way to get this to stop.

This is a debt collection scam.  "Charges" can only be filed by public prosecutors after a police investigation of some kind.   If you were the subject of a police investigation you would already have been interviewed by someone from your local law enforcement.  This is simply an attempt to scare some money out of you.  Being in ordinary civil debt is not a crime and you cannot be arrested for it.

Just because a voice on the telephone claims you owe a debt does not mean you owe it
If a voice on the telephone claims you owe a debt:

1.    Demand the person give you his or her name, company name, and address
2.     Demand a debt validation letter by US mail.  E-mail no good.
3.    Do not pay  the collection agent or anyone else a  DIME  until the debt is validated.

Of course they won’t do this, no scammer ever will, so simply block their calls and ignore them.

If they are bothering you,

Report them:

http://www.consumer.ftc.gov/articles/0149-debt-collection  (Threatening criminal prosecution to collect a civil debt is a clear violation of the Federal Fair Debt Collection Act)

Also contact your local attorney general

If they continue to bother you, and you know you do not owe any money,  tell them that you know this is  a debt scam and that you are making a complaint to the police for extortion.  You might have to yell at the scammer and talk over him or her.  Once you get a copy of the police report and they call you again , just read out the  file number and the name of the PD or Sheriff’s office involved.   Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.

I received a call recently from these guys stating that I have a legal matter that was dated back in 2008 and they were going to present it to a judge. I told them that I made payments about 2 years ago and they said that was inadmissible and then when I refused to comply,they threatened to come to my house and job. I told them that I am contacting the Attorney General and they said I could call the Texas Rangers for all they care. Needless to say the Texas Attorney General is wanting to get these guys on his mantle.

she called and said my name is Shannon white investigator my case numbers LX 16860 my number is 877-514-8548 extension 305 please contact your attorney as you need legal counsel.  whenever I get a call like this always put the number on line thank you very much for your posts I feel la lot better.

I received a call regarding a payday loan (which was never made)  in 2010 and they  threatened to serve me at work if I didn't pay approximately $600 .  I was told that if I went to court, I could be fined $5000.  The red flag - they had an old checking account that they claimed the payday loan was deposited into which I closed in 2007.  They also refused to send details of the debt to my address.  I am certain that this company used information from a payday loan that I did indeed take out and paid in full in 2007.  I was told,  they were calling from the Alliance Group.    Lesson...never ever take out an online payday loan because I believe the information is shared with these sharks and even if you pay if off, they try to come after you.

If you receive a call from this company, most likely it's a scam.  You should contact the Federal Trade Commission, the BBB or possibly even the FBI.

A man named Ryan O'Reilly called and said I owed a debt from 10 years ago and is supposed to send me info on this...I have yet to receive it and its been 3 days. I called this number back today and kept getting a message saing he is on another line..safe to say this is a scam...

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://consumercomplaints.fcc.gov/hc/en-us
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

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

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://consumercomplaints.fcc.gov/hc/en-us
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

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://6abc.com/archive/7806938/
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.

Scary scary- claimed to be a debt collector, demanded I paid. They had a lot of personal information and even contacted my family members. They claimed I took out a loan associated with an ex boyfriend from 9-10 years ago. Glad I read these other posts. These people had me very upset!

This Ryan O'Reilly persona appears on 800notes from these numbers.

855-266-1256
855-599-2725

Uses a CID of Progressive.  I'm thinking they are located in California.  Possibly Riverside.  Another site reported the name Dennis Parker calling with the same scam from the 877 number.  The above 855 numbers refer to someone by the name of "Parker" and suggest that this group is located in Riverside CA.

its a scam. they knew old information, but not updated/current.  This scammer was Michelle Davis. ext#309.   She called my mother, sister and step mom, all wanting the same info, trying to scare them into telling him more updated info on me.  As with any debt collector that calls, do NOT tell them anything. oh, and make sure your number is on the National  Do Not call registry.