844-786-8924

Claims to be a collections or outsourcing agency, but won't give you a name. Recording comes in from a "Richard Stratera" regarding 'noncompliance'. I get some variation on this call every couple of months. If it is like the others - and the timing matches up perfectly - then it's a scam to try to collect money on a non-existent payday loan. They'll be extremely rude, and the minute you don't cooperate or give them exactly what they want, they'll hang up on you, because the scam is all about numbers, and finding scared people who will give them what they want.

Additional - I was able to get someone on the line more extensively. Exactly as expected - they're claiming to collect on a payday loan that never existed. Company name is "Consumer Advisor Associates" - it's always something generic, so that you'd never be able to find any information about them. They say that their client is suing (they're not), that they've been retained to get a statement (that's not how legal cases work), yada yada. The lender they claim in this case is "Evergreen", which mean's it's part of the Joel Tucker/eDataSolutions/Bahamas Marketing Group mess (I can't even remember which one list that's from, but even if I hadn't seen the connection, the non-existent loan and the amount would tell me it's all from the same scam). I'll explain the details below, with references.

This is an extraordinary, point by point, scam. As above, I've gotten these for nearly 10 years now... used to be every 2-4 months, but lately it's every 4-6 months, like clockwork. Rest assured, nobody has ever shown up to serve me, never even received so much as a letter, and for sure no 'uniformed officers' have ever shown up to arrest me for failing to pay on a payday loan I never had, to a lender I've never heard of.

To explain where this is coming from:

It all goes back to a man named Joel Tucker, and his family, in Kansas City, Missouri, and his company eDataSolutions (among other names). They had the records for millions of applications for payday loans (because his brother was a payday lender at the time, and they got the information from online sources that would send out payday loan applications to many lenders at once) - regardless of whether a loan ever existed or not. Apparently, few, if any, ever actually received a loan. Some, on the other hand, received loans they didn't ask for, and ended up getting charged a ton for the 'help'. (see:
https://www.ftc.gov/news-events/press-release ... an-fraud-scheme )

How does that relate to these calls? Apparently Joel Tucker and his company made up fake loan information to go with the customer database they had, and then sold this fake 'debt portfolio' to unscrupulous collectors. Yes, multiple - they just sold it under different company names, and sometimes apparently changed the lender name on the spreadsheet. Literally, they just made up dollar amounts and put them in a spreadsheet. They did this knowing full well these debts didn't exist, but they could - and did - make a small fortune by selling this debt portfolio to less than reputable collectors.

Now, as likely happened to you if you're reading this, a "collector" (in the vaguest stretch of the term) tries to collect for a month or two, then they sell it on to the next group. Odds are, you'll get a similar call about ever 3-6 months, from a different company, claiming a debt from some new 'payday lender'. They'll just use whatever lender names they find on the spreadsheet. The typical (not always, but most often I've found) way they go is they claim they are working with a lawyer, or sometimes they claim to be a law firm themselves, and that you're being sued because you never paid on this loan. They'll want a statement, and of course, they want to know if you 'want to settle this matter' - by paying them right now.

They'll get belligerent if you disagree, maybe they'll hang up on you. They'll yell at you, call you a deadbeat and a loser. They'll tell you that you'll be arrested within 24 hours if you don't pay. Tell you that police or 'uniformed officers' are waiting to come to your home or office. They'll threaten to get you fired, to ruin your life. Just to make clear - they can't do any of those things. It's all to scare you into paying on the never-was loan. Honestly, I've told them before I wish they would sue me! But they never will - they won't sue me, and they won't sue you. Why? Because if they did, they'd have to actually provide their information, and that would allow you to counter sue. Think about it... these people won't even provide a real business name. You think they're going to let their real info ever get on file with a court? Ha!

If you are worried and need a lift, look back at these, just to name a few from my own phone book, from the same scheme.
https://800notes.com/Phone.aspx/1-844-245-8780
https://800notes.com/Phone.aspx/1-866-668-3516
https://800notes.com/Phone.aspx/1-855-904-7781
https://800notes.com/Phone.aspx/1-844-838-7351
https://800notes.com/Phone.aspx/1-877-657-7894
https://800notes.com/Phone.aspx/1-866-315-7093
https://800notes.com/Phone.aspx/1-866-288-5346
https://800notes.com/Phone.aspx/1-866-216-9470
https://800notes.com/Phone.aspx/1-844-263-3643

Someone took the time to put a lot of effort into tracking these people down. I've put a link to his story (a rather long article) below. It's quite in depth. Out of the originators of the scam, one is in jail, another is under Federal indictment. One co-conspirator apparently committed suicide. Unfortunately, it doesn't stop the cycle of scam debt collector selling to scam debt collector calls we all receive, because you can't break the cycle. The non-existent debt just keeps getting sold for pennies from one scam collector to the next.

https://www.bloomberg.com/news/features/2017- ... ith-a-vengeance

https://www.pitch.com/news/article/20852148/t ... lending-company

A related case, unlike many scams, even has gone so far as to have the FTC issue refunds to people that haven't already sued the original parties -
https://www.ftc.gov/news-events/press-release ... day-loan-scheme

I hope you find this information helpful. I've spent too many hours in the past worrying about these people, so I want to try to help others not have to worry in the future. This scam may not be easy to end, but if the money stops flowing in, eventually these horrible trolls will die off.

I received a call from "Scam Likely" but left a message: This message is for___________ this is RIchard Straterra with outsourcing department just called us in regards to complaint filed in our office if your cannot hear from you blah blah blah.. My credit history is clear So I'm not sure why i would owe something. So I think this people are scammers.

Alecia Jones got upset because I asked her for her last name. Then I began asking questions about where she calling from and what do she want. She got upset again and said she'll see me in Court.

I actually had a call from a federal investigator from the Dept of Homeland Security and helped put one of these scumbag scammers behind bars. I provided very detailed records of calls and conversations with these scammers to help!

I just got one at my job....its a recording just like you said..."noncompliance".  oh brother.  i'm pissed they are using my work phone.  Next time, i'm going to have some fun with them.  I know exactly who and what I owe to people and they aren't one of them...

call my job with what is supposed to be a threatening voice recording.  This is not going to work.  These people are not good people.

thank you!  they have called many times looking for someone other than myself.  I have tried to answer and tell them they have the wrong number however they always hang up on me.  annoying!

I'm glad you posted this because i just got this weird call/message. I would never give someone money but it is still annoying.

I blocked this number a day ago; and strangely Mr. Stratera called me again today and left the same message on my phone. Perhaps they have found a work around? My phone lists this number as blocked.

4/10 received call from Richard Cetera outsourcing Dept.  Nothing further but will report me for non compliance.  If legit what kind of place leaves no name?

Several calls this week from Richard Straterra message says the same thing every time that there's a complaint against me and if they don't here from me they'll report me for non-compliance. No company name is given and he uses my maiden name that I've not used for anything in more than 10 years. I was trying to figure out who would be filling a complaint against me, this info was very helpful.

SCAM!!
Computer voice:
“This message is for [YOUR NAME]⁠  file [FILE NUMBER].  This is Richard Strattera with the outsourcing department.  This call is in regards to a complaint filed in our office.  If we do not hear from you or an appointed representative, we will have to report your non-compliance.  If you have any questions regarding this matter, contact our office at 844-786-8924 or press one to speak with a live agent…”

The name they asked for is my maiden name.  I’ve been married for 18 years and haven’t used my maiden since my wedding day. I called back and it was for a payday loan. I’ve never done a payday loan in my life. When I tried to explain it, they were extremely rude and hung up. They even threatened charges for not paying a non-existent payday loan.

It’s not legit. They called me and it was about a payday loan. I’ve never had a payday loan. They also asked for me by my maiden name. I’ve been married for 18 years.

Thank you for your post, I received a call from 844-786-8924 on 4/10 and 4/11, but did not answer instead I googled the number.  So tired of these scam calls.

I just got a call from this same place and they used my maiden name - haven't used it in about 10 years.

I got a call on my cell phone from this number same message as all of you.  He also used my maiden name that I haven't used in almost ten years.

Dont worry about them, they are just another example of scum trying to verify your info and scare you into giving them money. I called the # back and used several profanities at the guy who answered. He hung up on me, these are leaches trying to rob honest people of their hard earned money. Just block the # and forget about it.

I’m glad my collection of info on these people is helpful - though I hate this scam keeps going on. I’d hoped, briefly, that it had finally died off. Please keep contributing your experiences - when the next example of this comes up, it’s thst much more proof that it’s one big scam. Thank you all!