877-818-3405

I listened to the message and they said someone used me as a reference. That is all I could understand because the woman who left the message sounded VERY drunk. I SHOULD almost post it so everyone can hear it. Turns out to be a collection agency. Are they not lying about their intentions? Is that not illegal?

I got a very similiar message as Jonathon received yesterday. I was unable to understand most of the message other then a phone# and I was listed as a reference for someone. When I called the phone # they gave they indicated to me they were a debt collector and needed the account number. I told them I was returning a call for a reference check, they hung up on me. This happened twice. Kinda seems like a scam of some kind to me. Not wasting anymore of my time trying to call them, and won't waste my cell minutes answering one of their calls.

Just got the third one this week, answered and got dead air for a long 10 - count, I hang up after that with no response to a hello.  Won't try to call back either.
edit: 4th call...say that they are trying to contact a former co-worker and 'aquired my number as an alternate contact".  I have no way of finding said former co-worker nor do i want to.

This is Universal Acceptance Corporation's 3rd party collection agency that collect for the dealers you see around called CarHop. They require 12 references or phone numbers is all that answer at the dealers. They want to sell the car, not talk to you. And these guys only see this guy is short 3 dollars and call all the references immediatly. The idea is to get the car repossed so they can sell it again. It's a scam/ring/loop thing. Buy car from wrecking yard, sell it at twice blue/ + 29% interest. Miss a payment, they come get it, then repaint and sell again to someone else. That's where that is cominng from though.

This is Universal Acceptance Corporation's 3rd party collection agency that collect for the dealers you see around called CarHop.

I got the same call.  But I will call them and tell them how to get their car back.  The person they are looking for is not a friend.  She is a crazy B****.  Will be my pleasure to help them get thei
r car back from her.  Yes it is Carhop but if you pay your bill they do not come after you.  They tell you right up front what you are getting into when you agree to their terms of buying a car from them.  So yes it is ovepriced but then don't use them if you don't like their collection method.  People with poor credit or have had previous vehicles repossesed use them.

rcved a call about Crystal Clark an Andre Freitag who apparently gave a phone number as a reference. .  I suspect thiks is an attempt to  identify cell phone numbers for sale to robocallers.   I am uncertan that this is not jist a way to confirm the numbers.

They are calling me at work and that is not legal.  I have notified them twice now I will get an attorney if they continue.  Somedays the call the exact day of my payment being due.  Would never do business with Carhop or UAC (Universal Acceptance Corp)

You should always send those via certified, return receipt USPS mail.

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.

Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html
https://www.ftc.gov/news-events/press-release ... rtners-announce

Follow the steps in what you need to know here:
https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
https://www.consumer.ftc.gov/blog/dont-recognize-debt-heres-what-do
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

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