800-824-6191

Cold calls yesterday and today w/o even knowing my name. Robot voice said "We are endeavoring to reach. If you are this person, press any key."  They don't even know who they're trying to scam!

I have received multiple calls from this number, but no voicemail. I am up to date with all my accounts, and do not understand why I am receiving these calls. It looks very suspicious since the number is coming up as "report unwanted calls". Had it been a legit business, there would be a legit website.

There is also something called statute of limitations on a debit that they are not abiding by.

Let me explain something to you....Yes there is a way to make them stop calling you....and costing them Money.....It's called being Harassed....it is also against the Law to call someone at work.  And they can be sued....they can also have a Class Action Law suit filed against them as long as enough people get together and file a valid complaint. and you also cannot call them at all hours of the day and night. Again that's Harassment.

This # keeps calling my phone and i want it to stop. Im not givin em [***] so they should give up

They asked for Holly Graham

Collection bottom feeders intruding on my privacy. BLOCKED.

Stop calling me

} according to Credit Karma if a credit company sells an account off to a 3rd party then this makes one not liable to the debt any longer as the contract with the original company is void

Mistake #1: Taking anything Credit Karma, a credit monitoring and marketing service, has to say as legal advice. This would be the same Credit Karma the FTC busted in early 2014 for lying to its own customers about its laughable "security precautions", yes?

Default lines: How the FTC says Credit Karma and Fandango SSLighted security settings
Fandango, Credit Karma Settle FTC Charges that They Deceived Consumers By Failing to Securely Transmit Sensitive Personal Information

Mistake #2: Swallowing the sadly widespread myth that resale of debt somehow extinguishes it. "The contract with the original company" always has a clause which says the debt survives all changes of assignment and ownership. There would simply be no billion dollar junk debt market if the right to collect was not included with every account purchase.

The Structure and Practices of the Debt Buying Industry - PDF, FTC Jan 2013

I'll take a guess that your itchy reply finger responded to "Relative" instead of "Not Me" just below, who did complain of "unknown" Caller ID. Now we're even, since you took a guess on what the law says. Third query: Now please quote that law for the crowd. I would caution that many people have tried your argument in court and lost, since "unknown" is a truthful term so far as the CID databases polled by telephone carriers are concerned.

} acounts [sic] from 2008. Advised him both were timed [sic] barred debts and any futher [sic] collection attempts would be violation of federal law

Get in line behind Erica and cite the law. This may take you a while. The creditor is time-barred from seeking relief in court only.

You slay me. You're barking at someone who was obviously not employed by FNCB, who commented eight whole years ago, and who showed you twice the correct spelling of "cease". You want to silence your phone? Go tell FNCB directly. 800Notes provides no text messaging service and does nothing to suggest otherwise.

One more time, 800Notes is not a messaging service. 800Notes does not send alerts to your callers when you post here, a bulletin board style of website with public access. You must direct your demands to the sources of your unwanted calls.

Yes, FNCB "should give up" simply because you ignore the calls and do nothing to defend your rights. You know, because debt collectors are clairvoyant or something.

} There is also something called statute of limitations on a debit [sic] that they are not abiding by.

Well, there's another non sequitur in a thread which draws them like static cling. SoL only applies (in 48 states) when a creditor or debt buyer sues to collect or threatens suit. FNCB is no chorus of angels, but I don't recall any complaints of such threats.

} It's called being Harassed....it is also against the Law to call someone at work.
The room is thick with armchair paralegals. Which law, please, bars all debt collector calls to places of employment? Which law so broadly renders all collection contact as "harassment"?

} they can also have a Class Action Law suit filed against them as long as enough people get together
Yes, whoever "they" are might. But why wait for a class to form, fight objections, and risk never being certified? Individuals can name their collectors as defendants right now, and without the baggage of "claim diversity" arguments and showboating lawyers who run off with most of the booty.

My reponse is to the idiot assed responders me and d looks like they are taking up or defending these idiots that are harassing all of you. These 2 idiots probably work there. This [***] of a scam company has been calling me for two weeks but they never leave a message on my voice mail just keep calling like stupid idiots and just hang up. How can they collect any legal debts that they bought without first contacting you by mail first. Why would they just call and hang up?  Stupid [***]...  if they are trying to collect a debt they would leave a messageband act professional and not act like an ass. They can't a dime unless you give them the ammo they need to pursue an old debt. Let them call and just delete the call. Why answer and argue with the stupid idiots?

I have no clue who this is but all I know they keep asking for a person named 'Betty' even after I tell them that this number isn't associated with anyone named Betty they won't stop calling

} How can they collect any legal debts that they bought without first contacting you by mail first. [sic]
Step One: Enter phone number into autodialer. Step Two: Keep calling until someone pays.

In at least one Canadian province the debt collection agency (DCA) is expected to send paper mail as the initial contact and wait five days before starting a phone campaign. That sort of rule is exceptional. The US FDCPA does not specify any form of initial contact but does stipulate certain disclosures must follow in the mail by five days afterward if they weren't already delivered. It's not uncommon for the hustler DCAs to rain down the phone calls in those first five days, hoping they won't need to send that letter at all.

} if they are trying to collect a debt they would leave a message
Many don't because it's too hard to predict who will hear the message and therefore too easy to get sued for improper disclosure.

} They can't a dime [sic] unless you give them the ammo they need to pursue an old debt.
The DCA already has all the ammo: a debtor name, phone number, SSN, a creditor name, a dollar amount, a contract. You or I could sink fifty grand into a junk debt portfolio and start hitting the phones next week if we wanted. Now, proving that debt is a harder job altogether. FNCB is hoping that nobody makes them work so hard.

} just delete the call. Why answer and argue
The fact that they're still trying annoys you, for a start. The junk DCA is most likely to drop handy statutory violations in your lap during a voice call. FNCB could give you the ammo you need to defeat their business model.

} never leave a message .... they just call and hang up
Runaway call abandonment from a predictive dialer is a practice I've experienced with other shortcutting agencies. I've argued in my civil complaints that if the DCA keeps avoiding my message recorders and abandons calls when I respond and otherwise won't allow me reasonable time to answer, yet keeps dumping ring-and-run calls on me forty-leven times a week, the object is obviously not to open a dialogue and solve their supposed problem like grownups. More likely someone wants me to feel under siege and/or so annoyed that I'll call back with an open wallet just to make the noise stop. I haven't gone to trial on this point so I can't say it will work, but I have cleaned up pretty well in settlements.