8664696866

I received repeated calls from this number (866)469-6866 Josh or Noah stating "they have criminal case number and a subpoena to serve me in regards to the matter.  If I was not available the next day they would issue a bench warrant for my arrest."  I actually gave them my information and debit card.  For some reason the payment would not go through multiple times.  They actually send you a form over e-mail (DocuSign) to comply with the payment plan you set up from a person named Liz Walker(admin@ncwbilling.com).  I then received another call stating the same from a person named Josh.  I then called them back and asked who I was speaking with (Noah) and told him I was recording the phone call.  He said he did not have his consent.  I then said I would like a Debt Validation form sent to me with the company's name, address and contact person regarding the matter, so my attorney could respond to the so-called criminal allegation against me. After a few seconds there was no response and he hung up:)

I hope you've contacted your bank and cancelled that card - you may also want to place fraud alerts on your bank accounts as well as with at least one of the three credit bureaus - Experian, Equifax, TransUnion.

Again, debt is civil, not criminal, so no one is going to be arrested for defaulting on a loan.  The FDCPA states that the burden of proving an alleged debtor owes money falls squarely on the debt collector.  However, you were called by scammers, so you know they can't send proof you owe them money.

For future reference, ALWAYS make the caller MAIL proof of debt/proof they can legally collect said debt.  Refusal to mail this documentation within five days of their first contact with you is a violation of federal law.

http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
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 whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or 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. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

can they also lie about check into cash? because i use to have and account with them 4 years ago. they called and left a voicemail. when i called them back this woman Tina Swain claimed i have a $400 debit with check into cash. and that if i can make the payment or we can make a partial payment plan. pf $60.95 every month

A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.

The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:

* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.   ["Written" means snailmailed - US Mail ... not emailed or texted]

Source:
https://www.consumer.ftc.gov/articles/0149-debt-collection

Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.

IF you wish to communicate with the supposed collector / creditor, visit  the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/

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