904-418-5000

A decision has been made against me

Oh my, I got the same call but from Rachel Anderson. I hope you called back, I did and they helped me clear my case up. I actually enjoyed talking to her haha

The caller raises suspicion with "Out of Area" on the Caller ID, seemingly a desire to shield identity, but it is from HPC - my health care professional, a free service for retired educators through my Humana policy.  I don't think they are involved in "Collections" of any kind.

I got a call from Jennifer Deleo, at 904.418.5000 Ext 147 for HPC. She said the name of the company was HP Capital. I've gone online and can't find anything about a HPC except for a real estate company out of CA. She's said she's going to simply "take my statement" and that If I didn't pay that I'd have to "Deal with it". She's very good at what she does. I've called back and asked for a website, which they refuse to give me. She's asked for payment via Money Gram and Western Union.

they have nothing to do with health care, they are a firm who handles legal matters, very nice people

yeah i asked for a website also but they dont have one. i guess thats ok, i mean just because you have a buisness doesnt mean you need a website

Rick just called the company I work for and belittled our receptionist for not putting the call through & indicated that I would be "in for it" by the end of the day if I did not call back.

I work for a restaurant, just got a call from a Ryan drake asking for a former employee. He identified himself and said he was calling from HPC. I asked if they were a collection agency and he replied "if you are talking about a bill, no, that is not what we do here" and then said if he couldn't get a hold of our former employee, he would be having "a long weekend" and repeated that twice, for whatever that means.

WESTERN UNION AND MONEYGRAM - SCREAMs SCAM!   NO LEGITIMATE COLLECTIONS WILL ONLY ACCEPT A WIRE TRANSFER.  NEVER GIVE BANK ACCOUNT INFO OR CREDIT CARDS TO COLLECTIONS EITHER

They use it because once they get your money - you cannot get it back


the info below is about a debt collector scam - they want money wired too
Fake Debt Collectors – Terrorizing Consumers

http://abcnews.go.com/Business/story?id=5621205&page=1


MORE ON FAKE DEBT COLLECTORS
https://800notes.com/Phone.aspx/1-904-425-9141
http://www.thepittsburghchannel.com/call4action/17285785/detail.html
http://www.800helpfla.com/newsletter/2008/092008.html


http://www.wvago.gov/internetloanscam.cfm
Attorney General Darrell McGraw took the extraordinary step today of warning the public about a band of scam artists making threats to consumers who allegedly obtained Internet payday loans in West Virginia and across the nation. The consumers they threaten never obtained a loan at all or paid it off years ago.

Internet payday loans are short-term loans or cash advances, usually for 14 days, made over the Internet via interactive web sites and secured by an agreement authorizing debits of the loan and all fees owed from the consumer’s checking account. These loans typically charge interest rates ranging from 600-800 APR and are unlawful in West Virginia.

The scam artists, who speak English with a foreign accent, call themselves “U.S. National Bank,” “Federal Investigation Bureau,” “United Legal Processing” and numerous other phony names. They refuse to disclose real names and addresses and are believed to be operating “off the grid” from homes, automobiles, or from off shore locations or foreign countries, including India. Since the scammers have kept themselves purposely well hidden, thus far no law enforcement agencies have succeeded in locating or shutting them down.

The scammers typically pose as law enforcement officers, investigators, lawyers, and bankers and threaten consumers that they will be arrested for “bank fraud” or other fictitious crimes unless money is wired immediately. They simultaneously scare and confuse consumers by using meaningless legalese gobbledygook phrases such as, “We are downloading warrants against you” or “We are filing an affidavit against you.” Consumers who don’t immediately fall for the scam are warned, “Only God can help you now.”

The scammers almost always call consumers at work several times a day, and tell their supervisors, “Your employee has committed fraud and is about to be arrested.” Such threats have proven unsettling even to the most savvy consumers and employers who suspect the calls are fraudulent.

Attorney General McGraw stated, “Ordinarily my office protects consumers from fraudulent activities by seeking injunctions in court. But legal action cannot be taken until the scam artists can be located. Even then, it is unlikely that the persons behind the fraudulent calls and extortionist threats would obey a court order. In this case, the consumer’s best defense is to be armed with the knowledge of the scam so that all demands for money can be resisted, despite the false but scarey threats of arrest.”

McGraw added, “Because the fraudsters make a special point of calling consumers repeatedly at work, employers must understand that the consumers are innocent victims of a criminal enterprise and cannot stop the calls from coming. I also wish to assure the citizens of West Virginia that my office will continue to do everything possible to locate and shut down the outlaw debt collectors.”

More information about this fraudulent debt collection scheme is available at the Attorney General’s website, www.wvago.gov/internetloanscam. Any consumers who have been threatened by these persons or wish to file a complaint about another consumer matter may do so by calling the Consumer Protection Hot Line, 1-800-368-8808, or by obtaining a complaint form from the Attorney General’s web site.

It's a debt collection scam. And all their threats are false and illegal.
This is a very active group of scammers, many of whom are calling from India (and probably other countries) and are in cahoots with a group of American pay day loan scammers. They attempt to extort money from consumers with a myriad of false and illegal threats, and alternately pose as debt collectors, federal and state law enforcement officers, lawyers and bankers. Their trademark is to use meaningless legalese gobblygook phrases like "We are downloading warrants against you" or "We are filing an affidavit against you." Another trademark phrase is to threaten the consumer with something like this ridiculous phrase: "If you don't pay then only God can help you."
Typical of many financial scams of this variety, they usually demand payment via Western Union or MoneyGram or credit card. They use any number of phony names such as US National Bank, Federal Investigation Bureau, US Legal Investigation Bureau, Hopkins Law Office, United Legal Processing, Morgan Associates, United Pay Services, National Processing, White Collar Crime Unit and many more.  These criminals also use many phone numbers from many area codes; they're probably using caller-id spoofing software and/or VoIP to disguise their real location.
The main thing to remember is that anytime someone calls you demanding money to prevent your arrest, or demanding your lawyer's name so they can sue you, it is ALWAYS a scam. No debt collector (let alone criminals posing as debt collectors) has the authority to have anyone arrested for anything. (And it's illegal to them to threaten such a thing.) And since these foreign dirtbags routinely impersonate law enforcement, it's also important to remember that American law enforcement officers aren't in the business of debt collection.  (Debt is a civil, not a criminal, matter.)
The bottom line is, these are criminals trying to steal your money.
A consumer posting a complaint about these same scammers at https://800notes.com/Phone.aspx/1-718-831-7157 notes that 718-831-7157 is associated with an India-based "outsourcing" telephone bank.  Though a reverse search on WhitePages.com shows that 718-831-7157 is an unlisted land line in New York City, information on Debtbuyers.Com shows that that number is used by India-based Intellisourze. (Source: http://www.debtbuyers.com/debtbuyers.asp ) My guess is that it's a VoIP phone number.
This is another piece of the puzzle that fits in perfectly with other information about this scam. There are some reports on 800Notes that have suggested that the crooks behind this offshore scam are also the crooks behind the notorious Bass/Ellis Crosby & Assoc./States Predisposition scams in Florida and Georgia. The interesting thing is that the number of complaints on here about the US National Bank/US Legal Investigation/Federal Investigation scam skyrocketed *after* April 7, 2008 when Florida obtained a $1.3 million judgment against Ted Ellis Crosby, shutdown his operations and barred him from ever conducting debt collections in Florida (Read http://myfloridalegal.com/newsrel.nsf/newsrel ... 5257424005858A6 ) There's certainly a good chance that the crooks placing these calls from India are doing so on behalf of the American crooks behind the Crosby/Bass/States Predisposition scams.
Here's the contact information for the phone bank in India:
IntellisOurzE BPO
701, Sapphier, Nr. Cargo Motors,
C.G. Road Navrangpura,
Ahmedabad - 9. (Guj.) INDIA.
E-Mail: info@intellisourze.com
Website: www.intellisourze.com 
A check on the domain name "intellisourze.com" shows that the website and name registration was created on May 8, just one month *after* the Crosby scams were shut down in Florida:
Domain Name: INTELLISOURZE.COM
Registrant:  Pragra Infratech Pvt. Limited.
Email:  ankur.ranpariya@pragra.com  
908, Aksaht Tower, Nr. ICICI Bank
Opp. Rajpath Club, S.G. Highway
Ahmedabad, Gujarat, India 380054
Tel. +91.7926871353
Creation Date: 08-May-2008
Expiration Date: 08-May-2009
Domain servers in listed order: ns5.znetindia.com ns4.znetindia.com
(Source: http://whois.domaintools.com/intellisourze.com )
Though scam calls from these crooks have been going on long before May 8, the frequency of complaints about these calls increased considerably after Crosby was shut down in early April.
This is conjecture, but appearances suggest that Crosby and company were originally running a two-pronged payday loan scam operation -- with some calls being made from Jacksonville, Florida and other calls being made from a phone bank in India (and possibly other countries); then, after the Florida Attorney General shut down the Crosby scams in Florida, the Crosby crooks transferred most of their scam efforts to the India phone bank.
If you are targeted by these criminals, be sure to report them to all the following federal and state law enforcement agencies (most of which you can do online or over the phone):
1.    The U.S. Secret Service is responsible for protecting the country's financial infrastructure and payment systems from international and domestic threats. Call or write your local Secret Service field office to alert them to the details of this attempted extortion. The addresses and phone numbers for the local Secret Service field offices are listed at http://www.secretservice.gov/field_offices.shtml or in your phone book.
2.    Alert the FBI at https://tips.fbi.gov Be sure to tell the FBI that you are being targeted by extortionists over the phone. And if the crooks claim to be law enforcement or lawyers, officers of the court or bankers, be sure to include that information in your report.
3.    File a complaint with your local police. Most police departments will take a report over the phone.  Be sure to tell them that you're being targeted by an extortionist and give them all the details.
4.    File a complaint your state's attorney general, the contact information for whom is at www.wvago.gov
5.    File a complaint online with The Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en
If these crooks call back, promise them nothing, pay them nothing and tell them nothing other than that you know they're a scam and that you've reported them to law enforcement. (And be sure to report them to all the agencies above each time they call you.)
By the way, here's just a small sample of numbers used by this particular group of scammers. Read the reports and you'll see the same pattern time and again -- phony organization names, thick foreign accents, and oddly worded threats that are so melodramatic and ridiculous that it's laughable:

https://800notes.com/Phone.aspx/1-925-262-1327
https://800notes.com/Phone.aspx/1-678-954-6346
https://800notes.com/Phone.aspx/1-888-341-4004
https://800notes.com/Phone.aspx/1-856-831-0640
https://800notes.com/Phone.aspx/1-949-743-1140
https://800notes.com/Phone.aspx/1-410-505-8128
https://800notes.com/Phone.aspx/1-917-464-2534
https://800notes.com/Phone.aspx/1-210-858-6602
https://800notes.com/Phone.aspx/1-888-775-2121
https://800notes.com/Phone.aspx/1-949-743-1156
https://800notes.com/Phone.aspx/1-214-245-1402
https://800notes.com/Phone.aspx/1-214-245-0922
https://800notes.com/Phone.aspx/1-214-723-5572
https://800notes.com/Phone.aspx/1-904-425-2863
https://800notes.com/Phone.aspx/1-718-831-7157
https://800notes.com/Phone.aspx/1-904-425-2857
https://800notes.com/Phone.aspx/1-858-244-0444
https://800notes.com/Phone.aspx/1-954-678-9724
https://800notes.com/Phone.aspx/1-610-571-3252
https://800notes.com/Phone.aspx/1-310-909-8245
https://800notes.com/Phone.aspx/1-310-499-9983

Make sure you read the info on Fair Debt Collection Practices I have posted to help you

BS FROM A DEBT COLLECTOR  

Collection agencies DO NOT HELP YOU - if you pay them - they will take your money and resell the debt to another agency.   So it starts all over again.

they even ripoff the companies that hire them to collect on the creditors behalf

Now I used to work in collections and that's not always true. Yes, there are some companies who do that but not all companies do. My suggestion: talk to the original creditor and ask if they actually did hire these people and if they are legit, meaning they do collect and report back, then take care of your freakin' debt people! These people are trying to pay their bills too.

You know what, yes there are laws to protect the people that owe money, but it really burns me when you people use them to get out of paying your bills or checks, you owe money! pay it back! its that easy. dont try to find ways to catch companies breaking the law, just make arrangements or pay it off, stop trying to find ways to get out of paying it. it makes you all look like white trash trailer people who want to live off others. this company is very ligit, i know i used to work for them. i had to quit though because people like you weren't paying your bills, thus my kids had no food on their table. just buck up and pay them come on now. have some respect for yourself

Better to use the laws that were written to protect you than violate them to intimidate people into paying what they may not even owe. A little slow in the boiler room today is it? Legimate collectors don't have to spew this pay-your-bills shite.

well, as i stated i am no longer collecting, but if you dont owe it, just state that and then it will be handled, but it just got old hearing people make excuses not to pay their billls

Ummm...there are presently 14 MILLION excuses as to why people are unable to pay their bills. It's called UNEMPLOYMENT.

true but it doesnt mean you arent responsible for it still

they collect on payday loans, not against the law to have them, it just goes on your credit. don't let them scare you just ask for verification of debt

How about getting a job that isn't at the parasite level of society. A good majority of the debts that go unpaid,are simply due to inability to do so, not a desire to screw anyone. Times are tough (in case you haven't watched TV or read a newspaper lately. A great deal of debt that goes unpaid is from preditory lenders that moraly/crimminaly profit from every customer.When those companies do have a loss(due to some poor soul losing his/her ability to repay) they take it as a tax deduction which reduces their taxible income.So they never really loose a thing. When you sleep with dogs ,your bound to get fleas, try another line of work, maybe push a broom of something honest!

First it was a girl she said that I own a bank 605.00 dollars. And I said I do not own no money to no bank. So she put John Lewis on the phone and he said if I do not pay the money today they will be senden the police to my job today. And I said to him what is he talking about he said that I own the bank 615.00 dollars. And I need to give him my card number now or send it through Western Union or Money Gram. I asked him for his name and said to him that I am a work and he said I no and if I do not do it now the police will be here at 1pm