866-531-4834

Has anyone recieved a call from this number? Past few years i keep getting threating calls saying i owe money to a pay day loan. This number only said call back, didnt mention my name or number of company so i was wondering if i should call them back or not

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/

they call at work left a voicemail with no name the message was for. no company name. will call again 3 minutes later and leave no voicemail. then call my cell phone and leave a message. called them back and they hang up then call them again and a michelle answers saying that a payday loan for cash advance about a loan taking out back on February 2011. which I never took. gets really rude saying how when I am guilty I would pay all this money and then they will garnish 25% of my paycheck. I told them that bank account is close and that I know in fact I never took a loan. became very rude and said how come there paper it says so. I told them anyone can get information out of the internet. they are scammers. legit debt collectors don't get nasty like scammers.

Received several calls from Premier Portfolio Group from a different number. Now receiving automated calls and messages from Caroline Fields. Today's automated message said something about a bad check, my ss #, routing and account #. They should be putting a letter in the mail, which they have not!

>> my credit score even got a little higher  <<

AHA!
That single statement is strong evidence you are merely a shill for that company.
Y'see, a "late pay" or "no pay" statement on a credit score remains for about 7 years.
Collectors who are not the original debt holders canNOT erase that statement!

Would you like to redeem yourself, and prove you are NOT a shill?
You can start to do that by providing the full legal name, address, website and BBB page for that company.

Lurkers:
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

Slim scores a 'Bingo'. Jackie, your statement is 100% false. Your credit report is a reflection of your ability to get, manage, and pay debt. If paying a debt in collection would erase that fact from the report, then what purpose does it serve? Future lenders need to see that you are a risk. Remember: Any promise of improving your credit score, where you have to pay money to do so, is a scam. Every time. If there is an error on your credit report it can be fixed for free. The forms to do so are available, free of charge, from Equifax, Transunion's web sites. Now. May I suggest a herbal tea regiment, or some ginkgo biloba to improve your memory loss. Since they phoned you, they know where you live. Right? Who forgets they have a debt? Got debt? You got mail. Lots of it.

Of course you didn't have problems with the company - they pay your paycheck!
Others report several FDCPA violations, yet you come here and praise them.  We're not buying it.

And now the shill parade starts.  Yet again these sub-par intelligence shills conveniently ignore the fact that others posting here HAVE NO LOANS.

If you're so happy with this company, then post a verifiable street address.

Guess scammy debt collectors think this site is pathetic due to it cutting into their illicit gains.  If you don't like it here, then away with you.

qwerty -

Also note the suddenly-appearing happy campers still have not fully identified the company.
If it is really "premier portfolio group", that organization has been mentioned on scamcallfighters and other sites.

There are several different companies that display the name "Premier Portfolio Group" on Google.  If the happy campers give us the full particulars about their company, we can disclose even more news.

Problem is this....
Credit score goes up immediately=false/ that takes time and hard work. I hardly think you had a score that high with your forgotten debt more likely in the 200-300 range.
You forgot you had a debt=debt amnesia/ liar
This is a complaint site= you have no complaint/shill
You don't have to prove anything to anyone on this pathetic website=why did you post here then
-------------------------------------------------------------------------------------------------------------------------
All adds up to you and your alter ego being lying shills

Maybe they forgot too 😱

INFORMATIONAL POST
(because the shills are leaving gaping holes in their stories, and I don't want anyone to think this is legal)

-Money sent by 'untraceable means' (cash cards, western union) is money that cannot be traced. I know that sounds obvious, but by the time you figure out you've been scammed, you have no way to figure out who collected that money. It's gone forever. You can't dispute it.

-Private Companies cannot issue arrest warrants.
Only those in the judicial system can issue warrants. They need to be petitioned by attorneys, and signed off by a judge.

-Debt is civil. not criminal. You cannot be arrested for ordinary debt in the United States and Canada. There are no debtors prisons here.

-If there were an arrest warrant with your name on it, your local courthouse would have it. Look up the number independently, and call them. People have been taking this advice for a long time. And guess what? No one has had a warrant issued. :)

-IF THERE WERE, however, no one will EVER call you to tell you they are coming to arrest you, or serve you papers. Process servers only get paid if they deliver your paperwork, and if you hide, they won't get paid, so, they won't tell you they're coming.

-ALSO, if there were "criminal" or "financial" proceedings against you, it's too late to pay anyone. The deed has been been done. The proverbial wheels are in motion.

-Threats of arrest, losing your drivers license, putting holds on SSN's, demanding attorney contact information and other things like that are common scare tactics used by "debt collectors" who are trying to collect on a  debt they cannot legally collect on. If they COULD legally collect on the debt, they wouldn't have to resort to scare tactics.

And perhaps most importantly -
-REAL debt collectors will send you (because they are required to, by law) a 'DEBT VALIDATION'. This is sent through the mail (USPS) with a stamp on it (e-mail, fax, texts, carrier pigeon, smoke signals...none of those count) and tell you when you incurred the debt, to whom you owe the original debt, and how to proceed if you don't think you owe the amount, or if your records reflect a different amount. Remember, this is REQUIRED BY LAW to be sent to you within 5 days from initial contact (on the company behalf) DEMAND THEY SEND YOU THIS!!! This will immediately weed out the scammers.

http://www.consumer.ftc.gov/articles/0149-debt-collection
This link takes you to the FTC's website and gives you all the rules debt collectors must follow. It also (at the bottom) provides links to where you can report any debt collector who isn't following the law.

Here's what you do... you post the full name and street address of this company as you have already been asked to do.