833-226-4746

Claim there is a collection going to court.  I asked what email address to send a copy of the payoff letter (From 2012), since this is the third "collector" trying to cash in on it, then they hang up.  Then called on my husbands phone an hour later.  The woman on the phone was swearing and told me she didn't care how many times I call back to have them remove my number before hanging up.

See, the problem is that "payoff letter" is useless because you never made that DC follow the law.  You paid someone and they now have sold your information to others as an easy mark.  I'm sure that you will keep getting calls as long as you don't know what should be done when a DC calls 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 (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “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 letter 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 letter 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 complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

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

They called the house phone number saying someone made a complaint about me and I needed to get served to go into their office. It sounded like a scam and I haven’t bothered anybody in years.

"Kathryn James" which is probably a fake name, Called me, left me threatening voicemails about some sort of payday loan debt. I called the number back and they scared me so bad into paying. She had ALL of my information. My last four of my social, my address, email address, bank account info, and the list goes on! She said if I don't pay or make a payment today, that my case would be escalated to trial and I'll be sued etc. I ended up making a payment arrangement. I paid "american capital credit" $200.00 and the remaining $206.00 was supposed to come out on November 5th. I later discovered this was a scam after 3-4 other FAKE mediation callers tried to cash in on this. Not only are they doing it to just me, they are doing it to thousands of other innocent hard working people. I would call her for days, and she would never respond for days and out of the blue she would call me back and apologize for not getting back to me quicker (like on a Saturday) (not even a business day). I finally accused her of fraud and told her that I knew everything. She was on the phone with me getting very VERY nasty and hostile telling me that this wasn't a scam. She was aggressively trying to convince me that "American Capital Credit" wasn't a scam.

Don't believe me? I'll list all my sources. I'm exploiting this whole illegal scam. I've already hired an attorney and a private investigator against this woman. Got her location when she finally called me back, and then pursued charges on her 4 days ago. I've reported her to the FBI and every scammer site possible.

Here is the unsecured link to their or her website:

http://americancapitalcredit.com/

You can view this website and see that it is not legit. Anybody with a brain could of made that website in just a couple of hours. Also, If you're a mediation company, why are you not verified by the BBB? Also, it says that they are closed on the weekends. She calls/ has called me on weekends by the way. This website and business is PHONY. I hope she goes to jail after this investigation is over.

Lesson learned, I will NEVER pay out anything over the phone without getting actual papers in the mail. DO NOT pay anything over the phone without receiving anything in writing in the mail.

Current number as of 09/28-10/01 She has been calling or receiving calls from:
215-258-9342

It's a dangerous scam. These people are getting more advanced with this stuff, be careful .

Quote:

These people are getting more advanced with this stuff, be careful .

Nope, same stuff we have been seeing here for years and years and years.