855-227-2686

05-13-14:  Recording of female voice stated they were ELS CCI Debt Collector and gave above number to call immediately.
We own two homes, two vehicles. We have always paid our bills promptly, have never had debt issues, and the only amount we currently owe is $750 on one of our vehicles, which will be completely paid off in August 2014. I assume they're calling themselves a debt collector because the no call list does not block debt collectors.

Received calls from this number and was told that this was ELS CCA a debt corrector.  Please call 1-855-227-2686.  Have no idea what this is regarding since our bills are paid on time.  

If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

I have been getting these calls for a while - and they keep changing the 'call back' number - probably to make it difficult to find out who they are.  They say they are a 'debt collection firm' which is stupid because I don't owe anybody - except my mortgage, and that is up-to-date.

Same story, called them back and got their voice mail. Told them I owe no one anything and to please quit calling. Problem is, they have continued to call.

FWIW I get a constant stream of incoming calls from sales people. What the hell is up w/that? I mean, I am current on the "do not call" list but it seems to have absolutely NO effect on them calling- and yes, I have reported them whenever I have a "good" number but often the incoming phone number is disguised on my phone's readout. The fedgov needs to clamp down on this by fining a few of them big-time.

The "ELS" calls come through to my office 3-4 times a week, with the same 1-855-227-2686 number. They say to call back, but it only ever rings, and let you leave a voice mail for an Alex (Guarara)? I've never left a message, but I always try to call right back, so I can make the calls STOP!!! My office doesn't owe anything that would go to a debt collector, so I believe this is an ongoing (2) year scam...

received repeated calls from this account. voice mail said from the deb collector. do not owe any debt

Receive calls up to 3x a day.  Trying to reach my son for a tuition bill?  Seriously...believe me, I wish he had educational loans!  

i am going to call the CFPB and AG. 3rd party disclosure and no mini Miranda. And no validation of debt. I want your physical address and owners name. Are you licensed to collect. What do your initials stand for. What's your website. Nervous yet [***]?

1-866-990-6445 keep getting call stating that we own a debt but the bills have been payed gave me the company name but it will not come up on the computer the man name was leo

How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.

The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.

The debt collector refuses to give you a mailing address or phone number.

The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.

Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.

Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.

Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/