855-546-7300

HAHAHAHAHAHAHAHAHAHA.

If your gonna pretend you are an attorney and are taking me to court over a 300 illegal payday loan, at least know the laws and come with a good way to present your BS so i at least MIGHT believe you.  I guess theres always plenty of SUCKERS willing to pay yall, so keep rollin, just improve your pitch!

#beendointhislongerthanyou

Good place to stay away from.

This group:

http://www.credxdebtrecovery.com/

Cred X Debt Recovery LLC
PO BOX 1275
Orchard Park, NY 14228
(phone) 888-236-7147
(fax) 716-833-3468
(email) compliance@credxdebtrecovery.com

_________________________________

NYS Department of State
Division of Corporations
Entity Information
The information contained in this database is current through February 11, 2015.

Selected Entity Name: CRED X DEBT RECOVERY, LLC
Selected Entity Status Information
Current Entity Name:    CRED X DEBT RECOVERY, LLC
DOS ID #:    3687863
Initial DOS Filing Date:    JUNE 23, 2008
County:    NIAGARA
Jurisdiction:    NEW YORK
Entity Type:    DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
CRED X DEBT RECOVERY, LLC
4252 RIDGE LEA STE 106
AMHERST, NEW YORK, 14226
Registered Agent
NONE
_______________________

BBB:

THIS BUSINESS IS NOT BBB ACCREDITED
Credx Debt Recovery LLC

Additional Locations
Phone: (888) 900-1677
View Additional Phone Numbers
4252 Ridge Lee, Suite 106, Amherst, NY 14226
http://www.credxdebtrecovery.com
! THERE IS AN ALERT ON CREDX DEBT RECOVERY LLC !

BBB has seen a major increase in collection agencies setting up businesses in the Upstate New York area over the past several years.  In an effort to keep consumers informed about which collection agencies are operating in accordance with Federal Law,  we are asking for specific information from all collection agencies operating in our service area.  The requests includes the following:

:Federal Employee Identification Number-EIN
:Proof Of Licensing, bonding and or registration by the city, town in which your business is located.
:Proof of licensing required by any state in which you operate by mail or telephone or email.

This collection agency has not responded to our requests.

BBB advises consumers to be aware of their legal rights in regard to collections.  The Fair Debt Collection Practices Act is a statue enacted in 1978 which seeks to eliminate abusive and harassing behavior by any debt or collection agency.  The act states specific practices and rules under which debt collectors must abide by.  There are penalties for agencies found breaking these laws.  Some of these laws state that a collection agency is forbidden to harass a debtor, which includes threatening violence or legal action.  They may not use crude or offensive language or identify themselves as anyone other than by their business name.  If a consumer believes a debt or collection agency has violated any of the FDCPA laws the BBB encourages them to file complaints with the BBB at bbb.org and Federal Trade Commission at ftc.gov

BBB® F Rating
On a scale of A+ to F

to all consumers out there. i am former employee black male from a year ago at cred x-debt recovery and this collection agency is misleading and "phishing consumers information".  Cred x recovery violates the FDCPA ..fair debt collection practice act which protects consumers from being harass from debt collectors such as cred x debt recovery.  First of all they are using a "dynamic dial-er" which calls from the same area code the consumer reside in, when the consumer pick up or calls back the number is disconnected. Its a tactic payday loan company uses to mislead consumers. Next, cred x debt recovery has no "verification dept" to verify payment. They uses other collectors for different voices on the phone. Cred x debt recovery employs about 20 employees. Furthermore, do not give cred x debt your personal banking info and credit card because once you default on the payment u have to open up a new financial institution. Managers and collectors is harassing consumers by the tone of their voice, misleading info that consumers will be court summon and sue by their client NCA (national credit adjustor). If a consumer owes payday loan debt u dont have to pay it back!
Also, managers such as Jake Duggan has been harassing consumers by his tone of his voice, misleading the consumers.
Jake Duggan phone number can be reached at 716-507-7670 it is his number to call back and respond to him.  His boss is Rich Schultz 716-997-8117 aka Vice President which he clearly doesnt look like one..lol..
Also, some of the collectors said after the conversation was hung up they called consumers "scum bags, using profanity against consumers". As a former employee, some of the collectors dosent even own a car, taking buses to work..lmao!!!!.. they act like they own u on a conversationon the telephone. Please dont get intimidated, report then to the FDCA hotline number and report them to the NYS Attorney General Eric Schniederman, the agency will get shut down the more complaint!!!!. In matter of fact, the building next to Cred x Debt Recovery has shut down when law enforcement raided around november 2014 last year, it was on national televison "Dateline"., google it u will see a healthy manager training new employees to harass consumers. That is a clear violation of the FDCPA and FTC..report it please.
Also more i have seen collectors pulling their cell phone right in front of the computer monitor..that is a clear violation of the FDCPA because collection agency deal with sensitive information.
All in all, these collectors have nothing to show for from harassing innocent consumers

When you f... Your self you lose what was given to you. Sucked as a person and as a collector. To put a persons number out on your person dispute,  yes that's a term, lam we know it is you your a lazy f... That was given a great chance, to be slanderous is a uncalled for slap the people you mentioned helped you!!! If anyone has a question to the question of this clowns class call me

Lam you were a waste of effort and time i hope in the end you get the help you really need. Your choice was to leave i understand???  I quit i hate to verify payments!!!!  no question your a very small person and i hope you all the best, but trying to hide behind a false person gives you no right to slander people im looking into you IP ADDRESS . I will look into your claims and check the source untill then have a great day.  love mike the person who helped a SORRY  S O B TO GET A PAY CHECK!!!!!!

That's what they do try to scare u with info like that so u do pay......do not do not DO NOT give in to these lies and manipulators

No, they're not.

They are rude they call your family and harrass them as if they were the person that had the debt, they do not give there names and then try and threaten you, so many debt collection company are involved in class action suits because of there bad business practices....I would not be surprise if this company will be involved and never be able to practice business again.

It must really suck to have a job where you call and harass people all day long, not knowing a person's financial situation, I truly believe if you had better business practices you would probably be able to collect on debts, but when you don't provide your name and call people liars you will never get anything from me, beware because your business practices are being monitored and hopefully real soon you will be out of business...State of NY you should be ashame to provide this company a business license with so many complaint, you will never be able to call me no matter what number you call from all your calls will go unanswered and sent to voicemail so keep trying you are horrible people and have no souls....

This  has happened to me on 2 separate occasions in the past 6 months.  The caller {a foreign female} claimed that I had defaulted on an "Online Loan" back in 2012.  They had my last 4 digits of my social security #, my last 4 of my bank account, and knew my place of employment, I'm freaking out, right? They then claimed I owed $400 to a Mesa Financial.  They said if I don't rectify this situation immediately; the Police would be at my door and my workplace's Human Resource director notified I asked them to send me written documentation and was told "We don't do that!" The calls were relentless.  I actually went to the Police and they said it was a scam.  Finally, my husband cussed them out and told them not to call-we had their # and I had already played  the voicemail for the Police!  Then Peace for a month or so until Today.  A man this time; horrible connection-from the 855-546-730, same creditor, direct deposit payday loan, the repayment now was $820.  He knew the same stuff about me! I told him that I needed documentation for my Attorney-He emailed this letter-head:
Richard Shultz
Account Specialist
CredX Recovery LLC
PO box 1275
Orchard Park, NY 14127
Phone: 1-855-546-7300
Fax: 716-833-3467
email:Cleardebt@inbox.com
Along with an official sounding "Statement of Confidentiality" and guess what?  No attachment, Shocker! He said he will call me tomorrow; and he surely will about 4 or 5 times at least!  How does this STOP? Hope this helps!

Have gotten four calls from these people on both home and cell in one day about a on line pay day loan that was,
Supposition to be made on line in 2001.  I ask how they got my # and was told it was on the applacatoin.  Funny thing is I didn't even own a cell in 2001 much less a computer.  This also happens 14 years ago if truly ever happens at all.  What a peace of work this co. Is

I don't know who you got but every time I have been called it's been a real person.

Got a call from 855-546-7300 like the rest of you.  Guy said his name was Piper Miller and he also mention Richard Shutlz and a James Sauer.  He was called about an alleged loan we took out but had never paid and kept trying to get me to confirm the last four of my SSN.  He was not rude but did say he had called my wife and mother also.  I told him that I had googled his number and everything online said it was a scam and that I wasnt going to do anything until I saw something in the mail, to which he responded "we've sent multiple notifications to (wife's email address)".  He had no problem giving me his companies mailing address but I'm not sure what good that does me?

Total scam.  Submitting a complaint today for CDR, Cred X Debt Recovery.

Called me yesterday about a payday loan from 2 years ago. I never received any mail about this before. Said it needed to be paid today. I told them to send an email, the person agree. NEVER received an email or call back.
Today, a man called and said it needed to be paid and in order for them to set up any payment arrangements, needed a debit/credit card on file BEFORE sending out any email about this. Who gives info like that before looking at what is suppose to be owed? Stupid.... He started yelling at me and then said I was cooperating because I won't give the info and said this is now over and hung up! What the world?!?!??

if you call back- that verifies that they have a working phone # and you will hear from them more than ever.

This caller was a bill collector, looking for the daughter of my ex whom I haven't been married to for nearly 15 years.  they had my full name and obviously my cell phone number.  I didn't answer but they left a message telling me I must phone them to discuss a bad check written by this person whom I haven't even spoken to in 25 years.  I was not amused.

They call me everyday and leave a voicemail and ask me for calling them. It disturbs me.

They keep calling and calling daily saying i owe them

See CWG40's post on page 11 for their information.

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.

Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html

https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

Read and understand Tamianth's Notes!  Ignore and block these calls.  These people are serious debt scammers.  Bad news.

Just because a voice on the telephone claims you owe a debt does not mean you owe it
If a voice on the telephone claims you owe a debt:

1.    Demand the person give you his or her name, company name, and address
2.     Demand a debt validation letter by US mail.  E-mail no good.
3.    Do not pay  the collection agent or anyone else a  DIME  until the debt is validated.

Of course they won’t do this, no scammer ever will, so simply block their calls and ignore them.

If they are bothering you,

Report them:

http://www.consumer.ftc.gov/articles/0149-debt-collection  (Threatening criminal prosecution to collect a civil debt is a clear violation of the Federal Fair Debt Collection Act)

Also contact your local attorney general

If they continue to bother you, and you know you do not owe any money,  tell them that you know this is  a debt scam and that you are making a complaint to the police for extortion.  You might have to yell at the scammer and talk over him or her.  Once you get a copy of the police report and they call you again , just read out the  file number and the name of the PD or Sheriff’s office involved.   Tell them you’ll be glad to send a copy to them .

Last known address:

CRED X DEBT RECOVERY, LLC
4252 RIDGE LEA  STE 106
AMHERST, NEW YORK, 14226

Amherst is a center for debt scamming fly-by-night debt collectors.