8006933455

Hey guy why don't you just deal with the bill instead of whinning all the time. Did it ever cross your mind to pay? That is a solution obviously credit guard isn't helping you stop avoiding and start resolving

We have been getting calls from different agencies about my brother's credit issues.  It is getting to me and my mom as these people keep calling, sometimes three or four times a day.  He is 59 years old.  I hope your son straightens things out soon.  I'm thinking about changing my phone number and having it unlisted, but I don't know if that would work.

Call today from 800-693-3455, left message using my full name saying "this is an attempt to collect a debt".  Well I have no unpaid debts and I know that with certainty. I considered calling back but then searched and found this website. Glad I did. I think this is a scam.

got a call on my google voice number, it was just someone breathing for 1 min.

Creditors Interchange with a bogus made up name of Mr. something or other. I think they make up a name for every client they call. When they dont respect that you advise them that the person they are trying to reach does not live at this phone number or that you ask that they stop calling and they keep calling,  Buy yourself the loudest airhorn you can handle without harming your own hearing and give it right back to em!!! CAll back several times and give it to any SOB that answers the phone from that company, tie up their phone lines, its a toll free call. Call and Call and Call and Call. Airhorns baby, that gets their attention.Caller ID: Unavailable

"Mr. Fusco" left me a VM from this number in a very threatening voice.

Everyone who is having this sort of problem should know about the "Advanced Call Forwarding" offered by Lingo and Vonage, and probably other VOIP providers as well.  The feature may have different names with different providers, but it is absolutely beautiful at turning the tables on these phone harassment companies.

With Lingo you can set up multiple call forwarding numbers, and also set which numbers will get forwarded to which number.  This allows you to enter any and all harassing call numbers and send them right back to their corporate office, or to whatever number they tell you to call.  Any calls that come in after you set up the call forwarding rule will not ring on your phone at all, but instead will go straight back to the harassers so they end up harassing themselves.  As an added bonus the caller ID information is passed through from the original phone number that called so your number is not shown.  Not to say they can't figure out that the calls are being re-routed after a while, but there won't be anything they can do about it.

If they start calling from different numbers just add them to the list.  You can use wildcards as well in case you encounter a company with a block of numbers.  You could block (redirect) an entire area code by simply entering "202*", for example, or an entire prefix by using "202-555*" as another example.  

I suggest just using a wildcard for the last two digits for any calls out of your area code that you think it unlikely you'll receive a legit call from.  So in the case of the 202 number listed here I just entered "202-367-91*" and forwarded those calls back to MRS sales office number of 888-334-5677.  Therefore if MRS has a block of numbers in the 202 area code with the 367 prefix and with the last four digits of 91xx, any calls from that block will be sent back to them.

It's worth the switch to VOIP even if you didn't save any money.

Wow ur putting in alot of effort to avoid ur bills. It's not going to help u reslve the bill. Why don't you either talk about the bill to ur creditors or file bankruptcy to stop the calls and really resolve things avoiding it just confirm to ur creditors that ur account is a problem

Individual called and asked for my ex-husband (of 20+ years) and his current wife. Said that my number was given them as a "substitute" number and that they had been told that it actually was the number for his sister --- listed as an alternate contact. I strongly suspect that collection agencies merely look for numbers listed to people with the same last name and contact them hoping to make contact with the individual they are trying to reach. "Pig in a poke" more or less.

I have been getting calls from this number several times a day for the past 2 weeks. The calls first go to my home phone, then when unanswered they go to my cell phone. They are from a woman named Cheryl who says it is urgent that she speak with me (she uses my first and last name) She says that her company will only deal directly with me. She says I have until 5:00pm Eastern Standard time to return this urgent call on an urgent matter. She never states where she is from, or what this is in reference to. She warns me that this is my last chance and her last attempt to have me call her back. She gives an extension. It is ceaseless and extremely disruptive. I have never spoken with her as I will not pick up the phone when I see the number. Should I report this? Where?

To all:

I am a former debt collector. They will try every trick in the book to get you to pay. They buy the debt from comapnies (Lowes, Best Buy etc) for pennies on the dollar. If they get you to pay anything, it's a victory. Be warned, paying them does not make the credit taken care of. We were paid on commission and we would try anything at all to get you to pay money. We would get 1-3 cents on anything paid. It actually adds up over a day. If you are in process of filing bankruptcy let them know. It is also very important that you record every conversation

I know everytime when a "black" person is on the other end. Wake up, its life!

Creditors Interchange Receivable Management
80 Holtz Dr      Airborne Business Pk.,
Cheektowaga, NY 14225-1470
Phone: 716-614-7500  
Fax: 716-614-7546
also known as "The Benchmark Group"
Web Address: www.creditorsinterchange.com 

CONSUMER ALERT

BEWARE of scam - Interchange Collectors call, posing as "Senior Prosecutors from State Agencies threatening immediate legal action.
  Other Offices:
Appletree Business Park Ste 9
2875 Union Rd
Cheektowaga, NY 14227-1465
Fax: (716) 614-7546

8550 Erie Rd
Angola, NY 14006-9612
Phone: (800) 693-3455
Fax: (716) 614-7611

2700 W. Cypress Rd Ste 100
Ft Lauderdale, FL 33319
Phone: (800) 963-3455
Fax: (716) 614-7611


23355 Mercantile Rd., Suite 9000 A
Beachwood, OH 44122
Fax: (216) 464-0600
866-513-9468




--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

Creditor's Interchange is located in Buffalo, NY,  and they have a large collection operation across the river in Canada where the wages and worker benefits are even smaller.

VERY aggressive debt collectors who lie, threaten and do any illegal act imaginable to separate you from your money. These are nasty, desperate conmen,  and should NEVER be trusted. They have posed as bankers, lawyers and other professionals to scare consumers into believing something bad would happen, if monies were not immediately forthcoming.

In reality, these low-lives of the collection industry are nothing but a fraud! Any debt collector from Buffalo, New York is desperate, however Creditors Interchange apparently is hiring the WORST of the WORST! Stay far away -- they are desperate and dangerous.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.

They said they were going to "pay me a visit" if I didn't pay them (or at least pay part of what they think I owe).  Strong-arm collectors, like the Mafia.

Call for an individual with same last name as mine from 800-693-3455.  Did not identify himself or the bank he represented.  Got my name from phone book and when I tried to tell him we had no business together, he started on spiel about ???....  I hung up.  We had no business together.  Is there anyway people can protect themselves from calls like this????

got a call yesterday from a guy who identified himself as Ron Surzinsky of CI. He went on to say that I needed to call him right away as I am being investigated for theft of services. He got my name from Chase bank. Then he called my mother and told her the same. I called his supervisr, someone named Christy Lynn and she told me that is not the way they do business, but when I told her that Ron had called my mother, she asked what the number was and proceeded to tell me he thought he was calling my place of work. I asked her if calling someone's job and leaving that kind of message was standard practice and she realized what she said, gulped and said no.

ATTORNEY GENERAL CUOMO ANNOUNCES REFORM DEAL WITH THREE NY DEBT COLLECTION COMPANIES OVER DECEPTIVE TECHNIQUES

Companies to pay $245,000 to state for violating state and federal debt collection laws, must provide easily accessible consumer complaint forms through company Web sites
~
Latest action in Cuomo's ongoing probe into unlawful debt collection and settlement practices


ALBANY, N.Y. (June 2, 2009) - Attorney General Andrew M. Cuomo today announced that his office has reached an agreement with three New York debt collection companies that failed to adequately supervise employees who engaged in deceptive and fraudulent methods to collect debts.

The three companies, Creditors Interchange Receivable Management, LLC, Capital Management Services, LP and Tri-Financial, LLC, have agreed to substantially reform their business practices in order to be in full compliance with the Federal Fair Debt Collection Practices Act and New York’s Debt Collection Procedures Act. The companies, which are based in Western New York but do business across the country, are also paying $245,000 to the state in penalties and costs.

“We will continue to investigate the myriad deceptive practices that debt collection companies, debt settlement companies and others employ as a means to exploit consumers who are already down on their luck,” said Attorney General Cuomo. “These three companies have agreed to immediately stop these practices and reform their policies to ensure their collectors comply with both state and federal law. I call on other companies engaged in the business of debt to do the same.”

According to complaints received by the Attorney General’s Office, collectors at the three companies employed fraudulent tactics in an attempt to collect debts, including:

Contacting alleged debtors without a lawful justification for doing so and even after being asked in writing to cease all communication
Contacting consumers at their places of employment even though the collectors were aware that such contact was prohibited by the consumers’ employers
Discussing consumers’ debts with third parties (i.e. employers, neighbors, etc.), and doing so even after the third party told the company to cease such communications
Falsely claiming that the company was acting on behalf of an attorney and that the company or a creditor was about to commence legal action against the consumer
Failing to respond to consumers requests for debt verification
Under separate settlements with Attorney General Cuomo’s Office, the three companies have agreed to enhance their compliance protocols and make it easier for consumers to file complaints against individual collectors. All three companies must create a direct link on their respective Web sites to consumer complaint forms. The companies must also maintain an employee disciplinary history database, as well as a comprehensive database of all complaints made by consumers or third parties who were wrongly contacted by collectors.

For the violations, each company must pay penalties and costs to the state.

Tactics prohibited by both the federal Fair Debt Collection Practices Act, the New York State debt collection and consumer protection laws include: posing as an attorney, threatening lawsuits or other legal action which cannot be taken, saying a consumer committed a crime or will be arrested and talking with third parties except to get location information. The law further requires collection agencies to send a written notice within five days of initial communication with the consumer explaining how he or she can dispute the debt. If properly disputed, the collection agency must stop all collection attempts and send verification.

The settlements announced today are part of a larger investigation by Attorney General Cuomo into unlawful debt collection practices. Last week, Attorney General Cuomo subpoenaed nearly twenty companies and law firms operating as debt collectors throughout the state. His office also shut down two collectors for threatening and intimidating consumers into paying debts that they did not owe. In early May, Attorney General Cuomo announced a lawsuit against two debt settlement companies for fraudulent business practices and false advertising by selling misleading debt settlement plans that very rarely deliver the promised benefits to consumers dealing with debt.

Cuomo also launched a website - www.NYDebtHelp.com - that explains consumer rights, allows victims of debt settlement companies quick access to the Attorney General’s office to file complaints, and outlines the stages of the Attorney General’s investigation. These three cases were handled by Assistant Attorney General Dennis Rosen and Senior Consumer Frauds Representative Karen Davis under the supervision of Deputy Attorney General for Regional Affairs David Sampson and Assistant Attorney General in Charge of the Buffalo Regional Office Russell Ippolito.

http://www.oag.state.ny.us/media_center/2009/june/june2a_09.html

So more of the same from these guys, I woke up this morning to my mother in tears. I am 24 years old, I fell behind on my chase account because I got a DUI and all my money to keeping me out of jail. The last 3 months I've spent all my money catching my bills backup and helping my father pay rent because he lost hours at his job like I did. This woman calls me today and tells me that because I setup a payment arrangement with Chase, the withdrawls are the same as bad checks. I am apparently going to be prosecuted for 11,000 in bad checks. She demands 3,104.00 by 10am. It's 945am. I tell her, I am broke, I went from 45 hours a week to 22. I make 200 dollars a week now and have to pay immediate expenses like car payments. I am willing to make payments again of 50 a month to get things back on track, but it's not good enough.

This woman tells me... You are going to jail if you don't come up with 2,500.00 by noon. She dropped it to 1500.00 by noon. She knows every single car I've ever owned, the thing is me and my father have the same name. So she has his information too, she threatened to take my car. I own a 1995 Eagle Talon worth 500.00. These people are complete [***]. I'm about to tell her I talked to my attorney, which I did. he told me make a good faith gesture or tell them I gave him my 500.00 to defend me against these charges.

After reading this I'm gonna send him the link and see what he can do.

A woman called (on my cell #) telling me that court papers were filed against me for collections on a Bank of America account that was opened in 2004 that I had not paid on since July 2009.  I told her that was incorrect that I have only one c/c and I pay the balance in full each month. She then rattled off what was supposed to be my ss# which was incorrect (thank god)and when I told her it was wrong she wanted to confirm my name which the last name she used was my maiden name (which changed over a year ago)she quickly apologized and hung up. One day later I receive a call from my Dad saying he had a message on his cell phone from a collection agency looking for me.  They must have hit every cell# on my family plan!!  Not happy!!

Just the fact that this woman stated "court papers have been filed against you", before even confirming that you were NOT the party she was after is not only FALSE, but a BLATANT violation of FDCPA laws:

§ 807.  False or misleading representations  [15 USC 1962e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or  

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

http://www.creditinfocenter.com/legal/FDCPA.shtml#807

These nitwits have already been called to task for their DECEPTIVE debt collection practices by NY AG Andrew Cuomo:

ALBANY, N.Y. (June 2, 2009) - Attorney General Andrew M. Cuomo today announced that his office has reached an agreement with three New York debt collection companies that failed to adequately supervise employees who engaged in deceptive and fraudulent methods to collect debts.

The three companies, Creditors Interchange Receivable Management, LLC, Capital Management Services, LP and Tri-Financial, LLC, have agreed to substantially reform their business practices in order to be in full compliance with the Federal Fair Debt Collection Practices Act and New York’s Debt Collection Procedures Act. The companies, which are based in Western New York but do business across the country, are also paying $245,000 to the state in penalties and costs.

“We will continue to investigate the myriad deceptive practices that debt collection companies, debt settlement companies and others employ as a means to exploit consumers who are already down on their luck,” said Attorney General Cuomo. “These three companies have agreed to immediately stop these practices and reform their policies to ensure their collectors comply with both state and federal law. I call on other companies engaged in the business of debt to do the same.”

According to complaints received by the Attorney General’s Office, collectors at the three companies employed fraudulent tactics in an attempt to collect debts, including:

Contacting alleged debtors without a lawful justification for doing so and even after being asked in writing to cease all communication
Contacting consumers at their places of employment even though the collectors were aware that such contact was prohibited by the consumers’ employers
Discussing consumers’ debts with third parties (i.e. employers, neighbors, etc.), and doing so even after the third party told the company to cease such communications
Falsely claiming that the company was acting on behalf of an attorney and that the company or a creditor was about to commence legal action against the consumer
Failing to respond to consumers requests for debt verification
Under separate settlements with Attorney General Cuomo’s Office, the three companies have agreed to enhance their compliance protocols and make it easier for consumers to file complaints against individual collectors. All three companies must create a direct link on their respective Web sites to consumer complaint forms. The companies must also maintain an employee disciplinary history database, as well as a comprehensive database of all complaints made by consumers or third parties who were wrongly contacted by collectors.

For the violations, each company must pay penalties and costs to the state.

Tactics prohibited by both the federal Fair Debt Collection Practices Act, the New York State debt collection and consumer protection laws include: posing as an attorney, threatening lawsuits or other legal action which cannot be taken, saying a consumer committed a crime or will be arrested and talking with third parties except to get location information. The law further requires collection agencies to send a written notice within five days of initial communication with the consumer explaining how he or she can dispute the debt. If properly disputed, the collection agency must stop all collection attempts and send verification.

The settlements announced today are part of a larger investigation by Attorney General Cuomo into unlawful debt collection practices. Last week, Attorney General Cuomo subpoenaed nearly twenty companies and law firms operating as debt collectors throughout the state. His office also shut down two collectors for threatening and intimidating consumers into paying debts that they did not owe. In early May, Attorney General Cuomo announced a lawsuit against two debt settlement companies for fraudulent business practices and false advertising by selling misleading debt settlement plans that very rarely deliver the promised benefits to consumers dealing with debt.

Cuomo also launched a website - www.NYDebtHelp.com - that explains consumer rights, allows victims of debt settlement companies quick access to the Attorney General’s office to file complaints, and outlines the stages of the Attorney General’s investigation. These three cases were handled by Assistant Attorney General Dennis Rosen and Senior Consumer Frauds Representative Karen Davis under the supervision of Deputy Attorney General for Regional Affairs David Sampson and Assistant Attorney General in Charge of the Buffalo Regional Office Russell Ippolito.

http://www.oag.state.ny.us/media_center/2009/june/june2a_09.html

"Reform"? Ha! That's a laugh!

They have NO intention of "reforming".

Maybe a few THOUSAND more complaints will convince Cuomo that it is going to take more than a paltry $245,000.00 fine to make them BEHAVE.

File yours at: www.NYDebtHelp.com

I received a call from a man today with this phone number claiming he was calling on behalf of Timothy. He asked if I kenw how to reach him I said "no, I do not know what that is." He then proceeded to tell meye sI do this was his parents phone number he called and I again had to explain to him it was not I have no idea who that is I am a mother of a 1 year old I have no other children. He then said ok and hung up.