866-571-8908

NCO Financial claims I have a debt on an account I've never even opened.

I had them call my number 12-13 times looking for a person who doesnt live here an have asked that they take my number off their lost an they keep calling!!!

I ment list LOL

First Source Advantage, LLC

Received calls/voicemails with the following #'s: 866-571-8908, 716-564-4905, 503-465-4064, and 888-753-3223.
Voicemails also gave me the following: http://www.fsapay.com/ and a reference number.

it's First Source Advantage about my Target card  account that I actually owe for. Rats!

Why are you replying to a 5 year old post?
And if you know who this "legitimate collection agency collecting for Target, among others" is, what is their legal business name, address, and website?

One other question: if you know who this number belongs to, why did you look it up?

Sorry, but that bunch of crooks are anything but legitimate.  Especially since they are based in India, with a branch in New York State.

FIRSTSOURCE ADVANTAGE AKA MED ASSIST NOW KNOWN AS ONE ADVANTAGE, LLC. AKA FIRSTSOURCE SOLUTIONS USA, LLC. AKA FIRSTSOURCE HEALTHCARE ADVANTAGE.
Posted in:  https://800notes.com/Phone.aspx/1-800-736-2107/3#p815175753621290397
https://800notes.com/Phone.aspx/1-866-812-3874/12
https://800notes.com/Phone.aspx/1-866-729-5682/2
https://800notes.com/Phone.aspx/1-800-645-4382/3
https://800notes.com/Phone.aspx/1-877-426-5514
https://800notes.com/Phone.aspx/1-866-584-7001
https://800notes.com/Phone.aspx/1-877-345-0897
https://800notes.com/Phone.aspx/1-877-443-0144/4#p1041949381072492755
https://800notes.com/Phone.aspx/1-866-571-8908#p1109732739437780676

Masquerades as a medical assistance company but is really a debt collector.  Note that they have an office in Mumbai, India and Amherst, NY

MedAssist Web Site indicates that they are indeed a debt collector:  http://medassistsolutions.com/healthcare-solutions/.  It also indicates that it is a subsidiary of firstsource which also indicates that it is a debt collector on their web site:  http://www.firstsource.com/contactus.aspx
Now claims to be in Illinois:  https://payffs.virtualcollector.net/Contact.aspx

They list addresses in Mumbai, India, and Amherst, NY, both known havens for criminal debt collection operations.

BBB page for firstsource lists an accredited business A+ rating, but they have 142 complaints and 1 negative review, meaning that they have paid enough money to the BBB for the high of a rating: http://www.bbb.org/upstate-new-york/business- ... st-ny-47000806/

Kentucky DOS page for medAssist:
    Organization Number    0639921
    Name    MEDASSIST HOLDING, INC.
    Profit or Non-Profit    P - Profit
    Company Type    FCO - Foreign Corporation
    Status    A - Active
    Standing    G - Good
    State    DE
    File Date    6/1/2006
    Authority Date    6/1/2006
    Last Annual Report    3/12/2014
    Principal Office    1661 LYNDON FARM COURT
LOUISVILLE, KY 40223
    Registered Agent    National Registered Agents, Inc.
306 W. MAIN STREET
SUITE 512
FRANKFORT, KY 40601
Current Officers
        Matthew D Stickler

        Arjun Mitra

        Matthew D Strickler

NY DOS page for First source:
Selected Entity Name: FIRSTSOURCE ADVANTAGE, LLC
Selected Entity Status Information
Current Entity Name:    FIRSTSOURCE ADVANTAGE, LLC
DOS ID #:    1916838
Initial DOS Filing Date:    APRIL 27, 1995
County:    NEW YORK
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)
FIRSTSOURCE ADVANTAGE, LLC
205 BRYANT WOODS SOUTH
AMHERST, NEW YORK, 14228
Registered Agent
C T CORPORATION SYSTEM
111 EIGHTH AVENUE
NEW YORK, NEW YORK, 10011

The owner is Arjun Mitra.  His linkedin page:  https://www.linkedin.com/pub/arjun-mitra/13/383/73

Bloomberg page:  http://investing.businessweek.com/research/st ... &ticker=FSOL:IN

White pages with his address:  http://www.whitepages.com/name/Arjun-Mitra/East-Amherst-NY/5harw5z

His house:  https://www.google.com/maps/place/6400+Lakemo ... 45133d4!6m1!1e1

Other complaint sites:
http://www.consumeraffairs.com/debt_counsel/first_source_advantage.html\
http://www.complaintsboard.com/complaints/first-source-advantage-amherst-new-york-c149498.html
http://www.ripoffreport.com/r/Firstsource-Advantage-LLC/Doral-Florida-33166/Firstsource-Advantage-LLC-Fraudulent-debt-collection-agency-New-York-Florida-India-Ti-807824
http://www.ripoffreport.com/r/first-source-advantage-llc/buffalo-new-york-/first-source-advantage-llc-fraudulent-collection-agency-scam-agency-buffalo-new-york-934676
http://forums.debtcc.com/collection-agencies/first-source-advantage.html
http://www.debtorboards.com/index.php?topic=26043.0

Looks like they get sued a lot:
http://www.open-public-records.com/court/new-york-14948127.htm
https://dockets.justia.com/docket/pennsylvania/pamdce/1:2010cv00633/80104/
http://www.law360.com/cases/4f4276b40a6ac7642c000002
https://dockets.justia.com/docket/california/casdce/3:2010cv01903/333149/
https://www.gpo.gov/fdsys/pkg/USCOURTS-mnd-0_11-cv-02058
https://casetext.com/case/roseborough-v-firstsource-advantage
https://www.courtlistener.com/opinion/2766805 ... -advantage-llc/

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “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 letter 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.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/http://www.ag.ny.gov/

I was just trying to verify something I had found when I was researching the number. Some people had said NCO Financial, but other searches said First Resource Advantage. website is www.fsapay.com

Um ....

I checked the site you mentioned, but it redirects to yet another site ... and the latter is NOT a debt collector!

They state
[company name] is a Bermuda insurance company specializing in financial guaranty reinsurance

So, I have reported your post, as NOT being legitimate!

I didn't notice how long ago anybody had posted about it; I was only trying to be helpful.

I messed up, sorry! Didn't intend to mislead anybody.

That is a different website than you mentioned earlier, so your posts get even more suspicious, since you apparently keep changing your mind about who called or who is "the legal collector".

To cut through all the fog, I will post my standard warning, just in case some lurkers get this far:

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, MoneyGram, Western Union, prepaid gift card 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

~~~~~~~~
Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.

I am very  sorry. I didn't call this number back because it wasn't the one Target gave me when they told me my account had been sent to a debt collector. The one they gave me was 888-446-8457.  I'm not honestly trying to mislead anyone; I just made a mistake when I first listed the website.

If you didn't call them back and it's not the number Target gave you, why would you say it's legitimate?

the only thing that's legit is the stupid debt. :(  I don't know about this number other than what I found looking it up, but there is a collection agency called First resource advantage, and Target did sell them my account.  http://www.firstsourceadvantage.com is the correct website.

Because when I was looking this number up,the names NCO Financial  and FirstSource advantage were linked to complaints about it. Also I'm a special kind of stupid.