702-359-9686

NIAGARA PORTFOLIO SOLUTIONS WILL CALL FROM SEVERAL DIFFERENT NUMBERS. THE FOLLOWING NUMBERS THEY HAVE CALLED ME FROM INCLUDE 702-359-9686,415-325-0255 AND ALSO A 213 AREA CODE NUMBER. THE MESSAGE LEFT ON MY PHONE IS TO CALL 855-546-904. WHEN I CALLED AND TRIED TO GET INFO THEY HUNG UP ON ME.....WHEN I ASKED FOR NAME AND ADDRESS OF THE COMPANY THEY HUNG UP ON ME. THE MESSAGE I RECEIVED IS FROM JERRY WEST AND STATED I WOULD BE GETTING DOCUMENTS DELIVERED FROM A COURIER SERVICE. IF YOU ARE GOING TO BE SERVED ANYTHING THEY DO NOT WARN YOU THEY JUST SHOW UP. THIS COMPANY AND WHATEVER DOCUMENTS THEY ARE REFERRING TO IS A SCAM. BEWARE AND REPORT THEM LIKE I DID.

Calls 5 times a day from various numbers-Niagara Portfolio via robo call.Recording gives a number to call.  ANNOYING   !

I called the number and they were wanted to know "Why my husbands son, Had not called them back"?  We live in 8 hrs away from him and he is over 30 yrs old ?  I laughed and hung up ! They did promise to take my number off( Being on a DO NOT CALL LIST IS A JOKE !)

(Niagra (something) Solutions) I am getting about 5 calls a day from different numbers ,talked to them yesterday and the only address they will give me is a PO BOX claiming to be in Niagra,NY. They want to speak to my stepson who is 30yrs old and I barely know him (he lives 10 hrs away)A women named Carolyn called today and she better be glad I can't get to her.RUDE,ABUSIVE,you name it ! I told her that I am on the DO NOT CALL LIST and she said it did not matter and that she would keep calling. I am going back to the FCC site and report ALL the phone numbers-PLEASE DO THE SAME !

Did you ever get the documents

Niagara Portfolio Solutions calling...yet again...from a different SPOOFED number.  What kind of legitimate collection agency actually STEALS OTHER PEOPLE'S PHONE NUMBERS in order to get you to answer the phone?  There's your first red flag - they are NOT a legitimate company, but a scum-sucking, bottom-feeding collection agency that buys old OLD debt files - often already paid in full - in order to trick unsuspecting or uneducated consumers into paying on a debt that has gone past the statute of limitations for collection, or is already paid in full. They will lie to you, tell you that you are being arrested, that "an affadavit has been downloaded in your name in your county", or that "charges are being escalated against you in your county" - or that "someone is coming to serve you papers".  First and foremost, you cannot be arrested for non payment of a debt - you can be taken to small claims court, but not arrested.  They cannot "file charges" against you - that's the same as being arrested. It is against the FDCPA for a collection agency to make threats they have no intention of carrying out - and Niagara Portfolio is doing exactly that.  
Your second red flag?  They never tell you what company they are collecting for.  The FDCPA states that any collection agency calling you must first state that their phone call is an attempt to collect a debt, and that any info will be used for that purpose.  Niagara Portfolio NEVER does that in any of their recorded messages - at least in my case.  

Bottom line:  This may appear to be a legitimate and legal collection agency - but they are not following the law, and are trying to collect on non-existent or uncollectable debts that are past the statute of limitations for collection, or have already been paid.  They will try to scare you into paying.  DON'T FALL FOR IT. If you feel you may have a legitimate debt being collected by this company, ask them for proof.  Tell them you want them to validate the debt IN WRITING via mail - no email, no fax, no phone call.  99% chance that they will either hang up on you or will refuse to provide it - or they'll say they sent it already.  (My recording said that they have mailed me documents several times and I should be familiar with their company - I received *NOTHING* from this company - ever.)  

I received a few phone calls from this company.  I cant say phone number cause they change numbers and states.  I got a call today and again 3 weeks ago.  I have never received paperwork nor did I call them back.  They have left the same voice mail each time they call stating they will serve within 24 hours.

Called today, left a robot voice mail for someone that isn't me, Niagara-portfolio solutions, said they were delivering documents in 24 hours. I don't know if this is a scam, or just a wrong  number.

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/

SHORT VERSION: Received a message.  Called back.  Was told I had a 5 year old debt that was never paid.  Verified with the claimed parent company (Check Into Cash) that the debt claimed by Niagara Portfolio Solutions never existed.  Niagara rep gave high pressure push to financial cover the debt at the moment of the phone call else I would be issued a civil summons within the next 48 hours.  Upon calling a direct number back I was transferred to an exceptionally rude individual when I asked too many questions.

--

Initial message from this number was a robocall which only repeated the phrase "this message is for <my name>" twice.  No other information was present in the message.  Upon calling the number back I was told that I owed a debt for an un-repaid loan from "Check Into Cash" from July of 2010 for $215.  The claim was that with the time elapsed the required payoff of the loan would be $722.63.

I asked for proof of the debt as everything sounded shady.  Upon request, they emailed some official looking documentation.  When I say official looking I mean very official looking.  The address, while old, was a correct prior address at which I lived in the time frame claimed.  The phone operator also had my bank routing number and the name of my bank correct.  They did not have my account number, but the conversation was designed to encourage me to give them the account number.  They also had my correct Social Security number.

The pitch was a very high pressure push to settle the debt right at the moment I called the number back.  I was threatened with a court summons for a civil trial to be delivered to my home or workplace within 48 hours if I did not make arrangements to pay the stated amount immediately.  I was strongly pressured not to initially get off the phone when I explained I would need to check bank records to verify the claims.  The operator told me that I had to either make payment arrangements before 4pm (within 4 hours of when I'd first called the number) or that it would be sent for legal processing at that time.  When I explained that I would need some time to check bank records the operator responded, "I'll have to mark your account with a refusal to pay."  I told the operator I'd call them back within the hour.

I verified through my financial records that I'd had no financial dealings with "Check Into Cash" ever, much less in the stated time frame, and called Niagara back with my findings (the operator gave me the direct contact number of 855-546-9043 and stated her name was Theresa).  The operator assured me that she could see the debt was valid and that she had the record for the deposit in front of her and that, "It must be valid because you can't just make up bank routing numbers."  I responded that such information is publicly available and that proved nothing.  I told her at that time to close the account with a refusal to pay.

Following that, I contacted "Click To Cash" directly.  The operator there, upon verifying that I'd never had an account with them and hearing my story, immediately transferred me to their corporate offices where a supervisor asked me to retell my story and then asked for the documentation sent by Niagara.  I'm in the process of getting that information to them now.  The reps at "Click To Cash" seemed genuinely concerned that the name of their company was being used in such a scam-like manner.

Upon calling Niagara back (at the direct number) and asking for some additional information I was transferred without warning to an exceptionally rude individual who responded more like an angry younger sibling than a professional debt collector.  She did not give her name and, following a unsolicited rude comment from her to which I responded "We're done here," she yelled, "Then why are you calling in?!" Following that exchange she immediately hung up the phone.

This is really an awful scam as it's so high pressure and would seem very official to someone who wasn't on top of their financial documentation.  It seems like the time frame is chosen specifically to make it harder to verify the claimed information (They're claiming the debt was from over 5 years ago).  Also, since it's claimed that the debt is to a payday loan corp, most people receiving these calls are probably already suffering undue hardship and the threat of a civil summons delivered by hand by a courier at your place of work would likely make more than a few hard-off people just pay up out of fear.

called and of course I didn't answer, left vm stating "please call back the # on your caller ID" never left a name, company, who msg was for...........Yeah I'll call back!!!! ha

i get the same type of calls they are the most insane people I know constantly calling and they are a scam everyone a scam