855-984-0799

I got a call from 855-984-0799 and they left a vm asking me to call 888-457-0089. They have been harassing me so I finally called back and they claim to be “Newport Receivables” I spoke to some man named “Mike Elliot” and he tried claiming I owe a pay day loan from 2010. I asked for proof in writing and he refused saying “well I want a Masarati but we don’t all get what we want”. He then hung up on me lol!

I too received a call from 855-984-0799 from "Mike Elliot" with "Newport Receivables/PDS stating I owe $1000 from a credit card debit I had from 2013. He gave me the name of the card bank, Comedity Bank/Services Credit Union and an account number. I've never heard of that company in my life. Then he told me he researched and found more info, it was once known as "West Pack Banking". Again, never heard of them either. He said I had some documents pending as the client was threatening a lawsuit. I asked why was it the first I've heard of this and he claims letters were sent to my address and gave me the address. In addition, my brother in law received a call from 727-232-9058, and other family received a call from 813-355-8286 with the same type of message but from different people, including one female. Funny enough, the reference number they gave was different than the one I was given. I even checked my credit reports to ensure I didn't have anything from the mentioned banking institutions. Nada. Scam! Scam! Scam!

If it was from 2013 then nothing would be on your credit report.  Comenity Bank is a bank and not a credit union.  It was never named West Pack Banking.  Service Credit Union is in New Hampshire and is not affiliated with that bank.

One of the tricks they use is to call your family, friends, neighbors and/or places of employment (past or present or both) to create panic and embarrassment so that their intended victim calls them so that they can scare that person into paying extortion money.  They will usually also state information that would be illegal for a real debt collector to state to department and tell them that you are a deadbeat who does not pay their bills. They often call people that have never even been a third party such as that you are being sued, that you owe money to someone, etc. They threaten that if you do not call them back, they will contact your HR associated with you because they get erroneous information off the internet.

The fake process server/location finder extortion SCAM usually consists of the following:

They mention that they have received a Fax document or some sort of complaint and that there is a pending legal matter or action about to filed against you to create the sense of urgency. They tell you that they are a “process server” and cannot give you the particulars of the case since the file is sealed. This is simply ruse to get you to call another number (often with a made-up case number) where they will ask for money to “make it go away” (this is actually the same place, they work in teams, one pretending to be the server, and the other usually pretends to be a lawyer). They threaten to serve you at home or at work. They tell you that if they serve you at work then they will need a supervisor, security, or HR person there as a witness, hoping that will cause you to panic over the alleged embarrassment of being served at work. They also tell you that you will need two forms of ID. None of which is true. Process servers do not ever call ahead so that you can dodge them. Process servers get paid to serve papers, nothing else. They certainly are not going to pass up a paycheck by telling you that you can avoid being served, they are not going to give you an extra day or even a few hours to get a “stop order”. Court documents are time sensitive and must be served within a certain amount of time. Remember that you can always call the local courthouse to see if there really is a lawsuit that has been filed against 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, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “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 communication 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 communication 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

WOW!!!!! Tons of information! Thank you!!! I blocked the number he was originally calling from. And now, they are calling from a different number and again providing different "file numbers". I do not plan to pay them as they refuse to provide a website for the payment and refuse to send me anything via mail. Thanks again for your input!

Called my son and have my personal information to him via text and voice mail. I called and asked for info on the debt and he refused told me he was gonna sue and seize my assets and garnish my wages.