844-261-7514

Say the are Delray Soultions and they are proceeding with bounced check charges for a payday loan that I supposly did. When I ask they wouldn't give me a direct company they bought it from . Just was a smart [***] and say they will be charging me with a bounced check. If you energy into a loan there is no bounced check charge they can do. Only thing that is unsettling is they have my work number and home number. I haven't had that account in over 2 years or better.

I have just received a phone call from Delray Solutions telling me that they attempted to contact me several times. I was told through a voicemail about how they are going to send in my report to my state and my wages would then be garnished as well as having to pay for penalties, their attorney fees, court cost, and if I didn't notify them asap they would put out a warrant for my arrest. Who are these people?

They are known criminal debt collectors that have a very bad reputation in these pages.  Probably these cretins with a new company name.
Delray Capital
Posted in:  https://800notes.com/Phone.aspx/1-844-261-7514
Other numbers:  https://800notes.com/Phone.aspx/1-877-290-0016
https://800notes.com/Phone.aspx/1-716-650-4897
https://800notes.com/Phone.aspx/1-855-714-3586/2
https://800notes.com/Phone.aspx/1-844-893-1809
https://800notes.com/Phone.aspx/1-855-463-8828/3
https://800notes.com/Phone.aspx/1-561-829-2349
BBB page with an F rating and 92 complaints with 1 negative review: http://www.bbb.org/upstate-new-york/business- ... da-ny-235974138
Bizapedia page: http://www.bizapedia.com/ny/DELRAY-CAPITAL-LLC.html
Ohio page: http://www2.sos.state.oh.us/pls/bsqry/f?p=100 ... TER_NUM:2094615
NY page: http://appext20.dos.ny.gov/corp_public/CORPSE ... _results_page=0
Registered Agent Address in Ohio: https://www.google.com/maps/place/8070+Beechm ... 8eea780!6m1!1e1
I believe they are in the left building, but the Ohio search pulled up the name of Cooper financial LLC
Beechmont AVE Bldg A which is the building to the right in suite 11
Cooper Financial LLC: http://www.bbb.org/cincinnati/business-review ... ati-oh-90002300 Notice the revoked
Bizapedia Page: http://www.bizapedia.com/oh/COOPER-FINANCIAL-LLC.html
Note the link to the incorporator who has his name on 70 different companies in Ohio.
This is getting interesting, Cooper financial was formed under
Frost Brown Todd LLC Sally L. Kapcar 10 W Broad St Ste 2300 Columbus, OHio.
So Frost Brown is a group of attoneys that seem to be very big in Ohio, but do not list debt collection as one of their specialties. I couldn't find Kapcar as an attorney, but she could have been a secretary or a para legal filing the papers.

Mark Gray is the owner: his white page listing:

http://www.whitepages.com/name/Mark-A-Gray/Cincinnati-OH/4iwhzej
His house: https://www.google.com/maps/@39.1130619,-84.6 ... JSA!2e0!6m1!1e1

And finally Cooper Financial, Llc.  web page: http://cooperfinancialllc.com/cgi-sys/suspendedpage.cgi
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) 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 the date of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site:  http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
Also file a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/

The company addressed themselves as Rachel Reed (Reid?) from Delaware Solutions, though it could have easily been Delray Solutions as well. I filed a complaint with www.consumerfinance.gov for unfair debt collection practices and fraud. If they are legitimate then they have a worse grip on debt collection practices than I do, and they do not act in accordance. They're a scam, through and through, and should be charged with the worst possible charges that would stick.

I received a phone call at my place of employment from this number from a woman who stated her name was Rachel Reed and she stated that she was a representative of my bank and that there was some problems with my account. When I asked her for proof she gave me an old account number. I filed a complaint with the consumer finance about this fraudulent practice. I assume the name of the company is Delaware Solutions or Delray Solutions based on this web page, I was not informed of the correct name of the agency.