866-229-2561

My mother received a call from this# about me. Then I called back and was informed that I have papers being served at my home if I didn't secure a debt( only amount not specified as to what)on a Pre-paid card, it didn't have to have money on it . Something very fishy about this conversation.  I did not have a Pre-paid card so nothing would be released to me about claim.

I received a call from this number stating they were a locator and looking for my son... She was not a polite person what so ever very rude.. "Mutual Partners should be proud to have this person working for them.." NOT! This type of action should not be tollerated or allowed.

i received a call from this number saying that i must pay or i would have papers served to me at work. They said i owed money to integrity advance i did not know what they were talking about. They were very rude.

My supervisor received a message from this company from a Melissa Johnson.  She was very rude and  threatened with "papers" to be served at my place of employment.  From what I have read she violated FDCPA by disclosing to my manager that I owed a debt.  

Did they ever show up?

did they ever show up

I just received a call from a processor that Represents Mutual Partnership saying he was looking for my son, I asked the processor how come he has not called my son.  The processor started threatening to go to my son's job.  At this point I just told my son to get his lawyer on this because enough is enough.  When you call the Mutual Partnership number they don't want to give you any information about the debt.  These people cannot arrest you but only serve you with papers.  At that point you deal with it then otherwise don't let these people stress you out.  The funny thing is when I called the processor telephone number back.  It went to a dead zone line.

My HR department received a call from a locator today that was threatening to serve me with litigation papers. Because he was not an official from the government or any sort of police, constable or sheriff officer they told him they would not allow him on property. He then began yelling and stated that he was just going to mark my case as though he had already served me the paperwork. Before I called the number that he left, I decided to do a little research and see what I could find out about the company. The first thing I found was this page and one other that listed the company by name as Mutual Partners. Both sites were filled with comments from people who said it was a scam. One person even posted what the requirements were for a debt collector to validate the debt owed. I decided to call the number I was given and see what they had to say. They asked me several times if I had already received documentation and I told them no I had not and explained the interaction of the locator and my HR rep. I then voiced my concerns as to whether this was a valid debt because I did not recognize the name of the company they claimed I owed money to. I told her that before I could give over my personal financial information to pay this debt, I needed to be sure that it was a valid debt. Per federal law, if a person is asking for validation of a debt owed, the collector must MAIL (not fax or email) a letter that provides the name of the company the debt was originally owed to, the amount of the debt, the date of the last made payment and whether or not the company is licensed to collect a debt in your state. I told the woman that since I did not recognize the name of the company I supposedly owed a debt to, that I was going to need this letter as proof. I told her that once I received proof that this was a valid debt, I would be more than happy to make payment arrangements. Her response was that I would receive a debt validation letter once the debt was paid in full and it would have all of this information on it. I pointed out to her that federal law states that if a company fails to provide proof of the debt when asked, the person owes nothing. At this point she was quiet for a few seconds and then just repeated that I would receive the letter once it was paid in full. I then asked her if they were just going to ignore federal law and she stated "oh no, they know we do it this way". I then told her that unless and until they provided me with a letter that validated and proved that there is a debt to be paid, I would not be willing to make any payments.  I told her that I had taken a few minutes to do some research on the company and that there were quite a few reports that this company is just a scam. Her response "I assure you that we would not risk losing our license to collect debts by scamming people out of their money." I almost laughed in her face, but instead said, "yeah I would expect you to say that. your goal right now is to get me to give you my bank account information or credit card information and you would say whatever you think would make me comfortable to do so." She then told me that since I was refusing to pay now, I needed to validate my home address for her so the locator could present me with the paperwork for me to go to court. I asked her why I needed to provide my address to the locator since his job was to locate me. She then asked me why he would bother going somewhere if he didn't know for sure I was going to be there. Keep in mind that they were already claiming they were 10 minutes away from my place of employment and had no idea if I was there or not. Anyway, long story short, this company is very fishy and I have no intentions to pay this alleged debt unless and until I receive the debt validation letter.

They never show up, its a huge scam and they say anything to try and scare you into giving them money.  I like to play with them on the phone, pisses them off

I received a phone call from 423-484-0135 basically saying that I owed money to Integrity internet loan and that I was being charged with fraud. From my experience, no company charges people with fraud before they make attempts to collect first. I called 866-229-2561, the number they left, and spoke with a rude man. I told him this was a scam and of course he became defensive. I have emailed my attorney about this so I hope to get an answer soon.

Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

— filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.


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Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action

Also read up on the laws and your rights:

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

And see:

https://800notes.com/forum/ta-86217073a9c8dad ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
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A Collection Agent May Not…

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer’s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.

EVERYONE BE VERY AWARE OF THIS COMPANY CALL MUTUAL PARTNERS.  MUTUAL PARTNERS HIGHER PROCESSORS TO GO OUT AND SUPPOSSEDLY LOCATE PEOPLE.  THESE PROCESSORS THREATENS PEOPLE WITH ARREST AND EVEN THREATENS TO COME TO THEIR PLACE OF EMPLOYMENT TO EMBARASS THEM.  BY FEDERAL LAW THESE PROCESSORS ARE NOT ALLOWED TO DO SUCH THING.  THE COMPANY MUST SEND OUT A LETTER OF NOTICE TRYING TO COLLECT A DEBT.  THE LOAN THAT MUTUAL PARTNERS IS CLAIMING TO BE COLLECTING IN ON IS FOR INTEGRITY ONLINE LOANS.  FOR ONE MUTUAL PARTNERS IS ALSO IN VIOLATION BY HIRING THESE SO CALL PROCESSORS.  IT'S FUNNY HOW THE PROCESSORS WILL TELL YOU THAT THEY ARE TEN MINUTES AWAY FROM YOUR PLACE OF EMPLOYMENT.  I TOLD ONE OF THE PROCESSORS BRING IT ON - COME UP TO MY JOB I WILL BE GLAD TO ACCEPT THE PAPERS, THEN FILE CHARGES AGAINST THE SAID PROCESSOR AND MUTUAL PARTNERS.  BEFORE YOU PAY ANY MONEY TO THIS SO CALL MUTUAL PARTNERS BEWARE....BEWARE.....FOR I THINK IT'S A FRAUD COMPANY THAT SHOULD BE REPORTED TO THE FBI.