321-300-9109

Give it up!! We're onto you!

Don't use offensive words and gig don't try to threat,We talk to authorities almost everyday.

Why We Love Complaints  & What We  Can Expect!
In fact we receive these
types of complaints every day.  AND WE LOVE THEM!!  Here is the
latest complaint received by our office (the only modification to
this complaint is the phone numbers and last name):

"I have left numerous message's reguarding my account on check
#1248 that has been paid in full. please update your system and
contact me asap @ 909-999-9999 cell or @ home 951-999-9999. This
matter is very urgent and requires your immediate attention. I can
not wright checks!
                         Thank You,
                        Tim XXXXXXXX"

So, why do WE LOVE COMPLAINTS?  Read on and learn.

All right! Something like 7 to 12 out of every 100  loan
customers fail to pay as agreed;  then expect up to 25 out of 100. Their references either
don't exist or claim they never heard of our customer. That
employer phone number provided by  borrower turns out to be
their sister's cell phone.  The 3 collection letters you sent to
your borrower's residence were all returned; stamped "undeliverable
- no forwarding address".

What is a  lender to do? Luckily, we do have our customer's
key information such as bank account number, social security
number, and in many cases a copy of their driver's license.

So every story has a happy ending, right?
We do have their
account with us, right? Yes? OK then. . We enter their "bad customer's" data
and bank account information. Then, sit back and relax!

Eventually our "bad customer" will get her (OK, so it could be a
him.)  life back together. It could take two weeks, three months,
six months, a year, maybe even three years or 5 years.  BUT,
EVENTUALLY our "bad" customer will need to open a new bank account
(yes, the service tracks by Social and driver's license which are
both required to open bank accounts) or they will need to use that
check to make a purchase at their local grocery store. Then we'll
get them!  Finally, redemption at last :o)

You see, the customer's new prospective bank will check the Shared
Check Authorization Network (SCAN) database BEFORE allowing the
customer to open that new checking account. The bank will decline
to open the new checking account and provide the customer with an
800 number to call SCAN.  our customer will then call the number
provided which will direct them to our staff .Upon payment or
satisfactory arrangement,  and we remove our
EX-customer from SCAN so they can get their financial life back.
Ah, it's all so easy!  So easy, we even automated the process.

This scenario happens every day; by the thousands.

If we don't get our customer at the bank, we'll get them at
Wal-Mart or Target, or... Eventually we will get them. And
eventually  WE WILL GET YOUR MONEY.

No more chasing customers. No more Small Claims Court. No more
write-offs. All that is required is a LITTLE PATIENCE and Internet.This information is for all those who want to disappear with borrowed money.

Jose, you dumb donkey d*ckhead, you are a fooking scammer [***]. We're on to you. Scumbag shill. You are a waste of cyber space.

Jose, you dumb donkey d*ckhead, you are a fooking scammer [***]. We're on to you. Scumbag shill. You are a waste of cyber space.

Jose IS A LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR. LIAR.

Banks check with ChexSystems, not the Shared Check Authorization Network (SCAN), to screen out account holders who have previously abused deposit accounts like write bad checks. Before a bank will issue a new account, it wants to know if you've previously abused bank accounts. ChexSystems has your bank-account history (a history of all bank accounts you've ever held in your whole life per your SSN and everything that happened on those accounts), SCAN does not.

Retailers scan your check at checkout and send it to SCAN, not ChexSystems, to decide whether to accept or decline a customer's check that's presented to pay for merchanise. All retailers care about is whether routing and account numbers on the check have been used in the past on bad checks. If it has, your check will be rejected. What this means is if you wrote a bad check to buy a TV from an electronics store, you'll be unable to write a second bad check on that *same* checking account to pay for clothing from a department store later. SCAN won't have your SSN either because all it ever receives are scans of checks and your SSN does not appear on your checks, does it?

Jose is a lying scammer shill who can't even tell a story right. Jose claims to work for SCAN ("The bank will decline to open the new checking account and provide the customer with an 800 number to call SCAN.  our customer will then call the number provided which will direct them to our staff") but he is lying in so many ways and on so many levels.

Legit collectors per section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER.
Has the statute of limitations for your state http://www.fair-debt-collection.com/SOL-by-State.html expired on your debt? If expired, don't pay.
Collectors generally have to be licensed by your state to practise (collect debt) in your state and you can find out by calling your state Attorney Generals Office. Ask if a license is required and does this collector have one. If not licensed, don't pay and file a complaint.
Read useful debt-collection FAQs from the FTC here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm 
Be aware that scammers are using bought/hacked/phished loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710 
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.

The following was copied from the ic3.gov website, which is the Internet Crime Division of the FBI.
It bears directly on this type of fraudulent and malicious calls, sometimes made to computer phones but mostly to regular land-lines. If you want more information, go to the website. You can then submit a complaint against these people. If you can record the call it's even better. Keep a record of all calls, emails, threats, etc.

Threatening IC3 Impersonation Calls

The IC3  ( ic3.gov)  has received thousands of complaints pertaining to payday loan scams; however, recently some of the callers have claimed to be with the IC3. Recipients described the callers as "very nasty and could barely speak English." Victims were told a complaint had been filed against them regarding a payday loan and they must repay the loan as soon as possible to avoid court and jail time. The amount of the loans vary, but average around $600.

Other complainants reported that the caller claimed to be from the Attorney General's office and told the recipient they were being sued by the IC3 and private detectives for not repaying a payday loan.

In both scenarios, the caller had the recipient's social security account number and bank information. Some recipients reported that the checking account number was incorrect. Others reported receiving calls from individuals claiming to be "officers" with the IC3. Recipients reported being told they were being investigated and were threatened by claims that information would be used against them in court proceedings, but they did not provide any additional details about the calls. These callers were described as having an Indian accent, called the recipients multiple times, and used various names.

Excellent post! One of the best and most informative I've ever seen. We need more good people like you on our side. The tide is building and jokers like Jose will have to run for cover, soone or later. Everyone is encouraged to read your post. Thanks!

I took out a very small pay day loan years and years ago, have my paperwork that its all paid off, never got a call from the company i took it out with that I was in debt and I currently have no debt (only bill I have is car insurance) i dont even have any credit cards...ran a credit check and it shows the same thing.  every time this number calls me or i call it back ( 3 times in the past year) i cant understand a word these people are saying, then they get frustrated and yell and call me a very very bad person...really?  know your rights people.  I work for a police agency and people are getting themselves into trouble every day by giving these people their personal information.

They called everyday and then finally left me a message. The man who I could not understand due to being foreign. Told me that he needed me or my lawyer to call as he was from a crime scene investigation unit and need to speak to me about a file. He told me that if I did not call him he hoped that GOD would have mercy on my soul as my world was about to rain down all around me. When i called he asked me if I know a guy with a weird name and I told him no and he started telling me that he knows that i know who this guy was and started getting all upset. I told him again that I didnt know that person and he said just let him know that the FBI is looking for him due to check fraud and to have a good day.

For your info, 321-300-9109 is a remotely routed number which actually originates somewhere in the Indian sub-continent, most likely Calcutta. The remote router operator is is an American company which reroutes these calls for a fee. Obviously, the American company does not care where or for what purpose these calls are made. All they care about is the fee they collect. This info was collected from the IC3.gov website, which is a branch of the FBI's Internet Scam website. Unfortunately, there is not much that can be done except to ignore these types of calls.

This is a scam.  This telephone number is being trunked out of the United States via computer.  This is not a legitimate effort to collect a debt.  Their modus operandi is to overwhelm you with telephone calls until you simply pay them to stop.  This is a legal violation in most states.  The simplest way to stop this is to change your telephone number and then be careful what data you associate with the new number.  Some telephones and service providers can also block specific incoming telephone numbers.

i just got a call like this also the left a message but i know its a scam let them keep talking to your voice mail their get tired and move their time will come to get caught and hung their time will come people just dont be afraid of them they are nobodies fight back document all the numbers and the names that they leave on your voice and if you do talk them tell them to go f*** themselves and have a nice day and hang up

First off [***] learn how to SPEAKA DA ENGLISH Comprende my Indian friend.  Not friend really sworn enemy.  Your a scam artist scum of the earth.  Your a bottom feeder praying on the weak.  God will have a special place for you.  Burn baby burn.  Jah knows all and he see's the EVIL in your soulless body.  REPENT SINNER!!

Preach on Sister Lisa don't let the forked-tongued Jose who really is from India illegally!! What do you think the Feds will think about that Jose?? Where's is your Green Card??!!!

What happens when you defraud people Jose?? You go to jail!! There's a new sheriff in town [***] his name is Obama!! You better get your documents shredded cause just like Freddy Krueger....one two Obamas coming for you! Three four better lock your door!! Five six grab your crucifix seven eight stay up late nine ten.....never sleep again... all eyes on you scum of the earth you leech you bottom feeder. Learn how to rot you have an eternity awaiting...

The money is not owed in the first place. Us the people you scam have never defaulted! There is no money owed. You want something for nothing. We call you a loser!! If I was Jim Carrey in Ace Ventura you would be a loooooooooossseerrrr!!! So suck on that one Jose!

I bet it's so hard to keep a float. Must be hard when you go home at night, look at your loved ones and think, "Wow, we can all enjoy one more night because I exploited and defrauded another innocent victim."

Everything you wrote is a lie. You don't have that info you have only part soc. number part of the drivers info. You obtained that information illegally.. There is a new sheriff in town Jose and his name is Obama and he will get you like he got Osama!!!!! You are a terrorist and our government now views your predatory tactics illegal and immoral. You will pay with your job life soul. You have nothing on us Jose only your lies....

And when they hang up on you "Jose", they just laugh at you.
Oh, btw, IDIOT, there was no threat in my earlier post.
Brain-dead SCAMMER!