866-853-0398

I received a call from 855-345-8089 threatening to arrest me and take me to court if I don't pay $1400 for an American Web Loan. They will not send me a bill with a breakdown of charges how they are coming up with a $1400 invoice. The other number they have used is 866-853-0398. I called American Web Loan for a statement and they told me that I had to call Nationwide because they don't have it on file. So I called Nationwide back, they don't send statements, for security reasons they can't give out their address, they don't have a website. I did take a loan with American Web loan but I paid them off. The told me that I still owe money and even called my mother. So I paid them $400 to Nationwide because they threatened to arrest me and my family, but now reading all this stuff about scams, I am not going to pay anymore. But how do I make them go away? How do I get them to stop calling me at work & telling my boss I am a criminal for a loan I don't owe for!! My boss is already not happy that I am getting these calls.

I also received a call from Nationwide, stating that I owe on a payday loan and that they are sending locaters out to have me arrested for fraud.  On October 4, the first time I had heard from them was when my supervisor at work came to me stating that they had called her threatening to have be arrested.  At that point, I panicked and paid them $250 via debit card.  Fast forward to today October 22, they again called my employer, my immediate supervisor as well as the program director with the threats if I didn't pay them.  I asked them for their mailing address stating that I would send a money order, they stated that they are unable to take money orders, they can't provide me a statement or a mailing address for the company.  Also let say that each time they call they call restricted number...but the call back numbers are different.  One call back was 1-855-345-8089  another number they use is 1-877-754-7132.   After today's harassment and threats and numerous calls to my employer I went down to my local police station.  After they looked up the number, I was instructed by the police to close the debit card. They have also taken a report and ask that I forward all voice mails to them.   Please if they call you, don't pay them.  Stand your ground, file a report with your police department, file with the attorney general.   We must put a stop to these people.

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/#&panel1-1
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.

I have also received a call from this phone number and they stated that it is Nationwide for a debt of 530 from american web loan as well.  They have not provided any information about charges, breakdown and I did start paying them; because of the threatening message that they also left my employer and we can get terminated for these kind of calls.  All that has been said is that they will continue a legal process, I will take your advice and stop the payments from the cards, they will not return my call to discuss this information.

I received. A call saying im goin in for fraud against. A cash advance claim and now noone answers back call restticted

I got a threating call from this number saying that i owed 381.50 they are scammers

Sue them according to FTC Fair Debt Collection Practices Act

http://www.ftc.gov/enforcement/rules/rulemaki ... ctices-act-text