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Someone named Ruben called and said it was arbitration and it’s an attempt to collect a debt I had from First Consumers Bank issued MasterCard Spiegel in the amount of $781.

Received a voicemail message from a Rueben, called back his voicemail message his message asked for my identifying information, detailed message. Don’t know who he is or what he wanted. Advised him in the message that probably had the wrong number since he did not address me in the voicemail he left.

Same as everyone else Ruben calling trying to scam people. Haha

They keep calling my phone about a credit card that ive never had . It's a scam

Message saying they have two documents in the their hands with my social security number they are trying to collect a debt which I don’t have.  They didn’t call me they called my boyfriend and the home home

Message saying they have two documents in the their hands with my social security number they are trying to collect a debt which I don’t have.  They didn’t call me they called my boyfriend and the home home

Got a message today from Michael Adams from Legal Carrying Services (?) saying they are in receipt of two documents with my information and to contact them in 24-48 hrs or they are going to outsource to a local jurisdiction. It sounded like a fake robocall.

The fake process server/location finder extortion SCAM usually consists of the following:

They mention that they have received a Fax document or some sort of complaint and that there is a pending legal matter or action about to filed against you to create the sense of urgency.  They tell you that they are a “process server” and cannot give you the particulars of the case since the file is sealed. This is simply ruse to get you to call another number (often with a made-up case number) where they will ask for money to “make it go away” (this is actually the same place, they work in teams, one pretending to be the server, and the other usually pretends to be a lawyer).  They threaten to serve you at home or at work.  They tell you that if they serve you at work then they will need a supervisor, security, or HR person there as a witness, hoping that will cause you to panic over the alleged embarrassment of being served at work.  They also tell you that you will need two forms of ID.  None of which is true.  Process servers do not ever call ahead so that you can dodge them.  Process servers get paid to serve papers, nothing else.  They certainly are not going to pass up a paycheck by telling you that you can avoid being served, they are not going to give you an extra day or even a few hours to get a “stop order”.  Court documents are time sensitive and must be served within a certain amount of time.  Remember that you can always call the local courthouse to see if there really is a lawsuit that has been filed against you.

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

This is an attempt to collect a debt and all information obtained will be used for that purpose this message is intended for xxxx this is Michael Adams with legal carry services and I've been in receipt of two documents surrounding your name and social security number I highly advise contacting us within 24 to 48 hours failure to comply will result in all correspondence to be an outsource to your local jurisdiction for immediate processing you can press one to be transferred to a legal representative if you are in receipt of this is a voicemail message you need to contact the filing party back at 1-888-318-3284 you have officially been legally notified thank you…”

I got the same call.

I am a registered with the court Legal Process Server and we ARE NOT allowed to call the person in which we receive paperwork for. We are allowed to leave a card on the door letting them know that I have papers for them and to call or text to arrange for delivery.

Received this call this afternoon and it was the same thing

Received this call yesterday on home and cell phone stating his name was Michael Adams from Legal Carrying Services and has two documents in his receipt with my name and social security number.  States that it is from a payday loan, that I never had, that was supposed to be deposited into a BoA account that I never had from 2006.  (Would not go with that bank if my life depended on it and it was the last bank in the world.)

When I asked him about it and advised him I do not verify personal information over the phone, he started cussing me out and hung up.  Beware this scam company trying to fool you