386-242-9189

Claiming to be a mediator for an online payday loan company called Advance America.
Scam because I don’t owe anything.

Claiming to be a mediator for an online payday loan company called Advance America.
Scam because I don’t owe anything and do not have any loans whatsoever or any credit card balances.

Got text saying non compliant and a link to go to. Checking out the number and found as payday loan scam. I do not have a payday loan.

GOT THE SAME CALL. I DONOT HAVE A PAYDAY LOAN FROM 2017

Got text from these idiots, how stupid can they be.  Blocked numbers and they are using software to get around security program.  Karma coming

I couldn’t understand the name of company. They said they must have contacted me in error, because they don’t have my number in their system. They apologized.

Got a text. Never respond to unknown numbers.

Received a text message saying to avoid non-compliance and installation call a different number back. No other information given. I have no loans, or outstanding balance is on anything. The phone number given to call back was a different number than the one that texted. The text message address me by name. Scam.

Received a text from 386-242-9189,
"To avoid non compliance and escalation please call 386-224-6383. Text STOP to opt out." In the text, they used my maiden name. Text used my maiden name, not a name I have used in MANY years, plus I never took out any loans with my maiden name.

Received a text message stating “ Dear Jane Doe , To avoid non compliance and escalation please call 386-205-6562 . Text STOP to opt out”
But used my name instead. From phone number 386-242-9189.
I’m thinking it’s an underground scamming agent. Worst part is, most Americans are in debt, and will think this Is an actual collection agency. Every worse still, is that most Americans don’t realize that collections and debt collectors have to send you stuff in your mail. They are scamming people out of their identities. Karma’s real, and when these people cry Wolf, when they are caught, and play with people emotions, master manipulators, the world seems to let them off with a slap on the wrist…. So they can go do it ALL OVER again. By a different business name and number.

I got the same text as the above mentioned. I thought it was suspicious when I noticed the call back number was different than the number the text was from, so I looked it up on here. I do not have any payday loans as a few mentioned, so I am going to agree this is a scam.

Got the same text as everyone else.  Also sent to me in my maiden name. Reported the number as scam to 7726.

Got the same text as everyone else. Automatically I thought it was a scam since it's been years I haven't had a loan

Same text, with maiden name! I don't owe anything

Sent text stating: "(my first & last name), To avoid non compliance and escalation please call 386-224-6383. Text STOP to opt out

Scammer!  Don't click link.   Related to another number 386-224-6383 doing similar activities.

If you keep calling back they will just block your number

The fake process server/location specialist scam usually contains:

They mention that they have received a Fax document or some sort of complaint and that there is a pending legal matter or action about to filed against you to create the sense of urgency.  They tell you that they are a “process server” and cannot give you the particulars of the case since the file is sealed. This is simply ruse to get you to call another number (often with a made-up case number) where they will ask for money to “make it go away” (this is actually the same place, they work in teams, one pretending to be the server, and the other usually pretends to be a lawyer).  They threaten to serve you at home or at work.  They tell you that if they serve you at work they need a supervisor, security, or HR person there as a witness, hoping that will cause you to panic over the alleged embarrassment of being served at work.  They also tell you that you will need two forms of ID.  None of which is true.  Process servers do not ever call ahead so that you can dodge them.  Process servers get paid to serve papers, nothing else.  They certainly are not going to pass up a paycheck by telling you that you can avoid being served, they are not going to give you an extra day or even a few hours to get a “stop order”.  Court documents are time sensitive and have to be served within a certain amount of time.  Remember that you can always call the local courthouse to see if there is actually a lawsuit that has been filed against you.

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this communication must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. If and when you get that communication you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

Unwanted Text Messages

Forward unwanted text messages to 7726 so that carriers will block them. Some carriers do not accept that code and if that is the case then contact your carrier about how to block unwanted text messages, however 7726 is accepted in the US, Canada, and Great Britain. Also, never, ever click on a link in a text message as it will probably install something nasty to your phone that you really will not want to deal with and never, ever respond to one because lets them know that they have a good number with someone on the other end.  It will result in more calls and texts.

Annoying call I don't know them nor did I ever give my number out to them.

Called me, said she was from a debt collection firm. Stated I had an unpaid payday loan. Told her I never taken any type of payday loan....she then tried to change the story by saying  "we collect for debts other than just payday loans" but when pressed for exactly who this mysterious creditor is, she stuttered a bit. I owe nothing to nobody so I hung up on her. SCAM