888-502-5835

Received a call from this number that showed as "Potential Spam". Woman with foreign accent left a message that was hard to understand saying call today. Unable to understand where she claimed to be calling from and why.

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This complaint concerns an alleged debt collection operation that appears to engage in deceptive, misleading, and abusive practices in violation of the Fair Debt Collection Practices Act (FDCPA) and related consumer-protection statutes.

The operation has used multiple business names, rotating phone numbers, and inconsistent representations regarding debt ownership, balances, and legal authority. These practices have created confusion regarding the true identity of the collector and the validity of the alleged debts.

The operation has recently identified itself as Central Financial Management. However, communications, phone numbers, and email domains link back to Assured Financial Partners and an individual named Jason Ryan Zandstra.

Previously associated business names and aliases include:
Pinnacle Financial Partners
Westgate Financial
Bradford Capital Management Group

Associated individuals appearing across records and communications include:
Jason Ryan Zandstra, Christopher David Ganahl, David Aram Tossonian

Email associated with communications: jzandstra@assuredfinancialpartners.com

The frequent change of business names appears to coincide with continued use of the same personnel, dialing infrastructure, and contact information.

ALLEGED DECEPTIVE AND ABUSIVE PRACTICES
     A. Misrepresentation of Debt Amounts: Consumers are provided with inconsistent and inflated balances, which vary depending on the representative or call. These amounts are not supported by original creditor documentation.

      B. False or Misleading Threats of Legal Action: Representatives routinely threaten: Lawsuits,Wage garnishment,Bank levies,Property liens, Immediate service of legal papers
These threats are often presented without evidence of filed legal action, assigned counsel, or court documentation, creating undue pressure on consumers.

      C. Improper Third-Party Contact: The operation has contacted family members regarding alleged consumer debts, raising concerns under 15 U.S.C. §1692c(b) regarding unauthorized third-party communication.

     D. Misrepresentation of Investigative Authority: Consumers are informed that an “Asset & Liability Investigation” has been conducted. In practice, the information appears to be derived from skip-tracing software (e.g., TLO), which is not a formal investigation and is misrepresented as such.

     E. Failure to Provide Proper Debt Validation: When validation is requested, consumers receive internally generated letters rather than: Original creditor agreements, Signed account documentation, Complete account historiesm---This raises concerns under 15 U.S.C. §1692g---

CALL CENTER AND COMMUNICATION PRACTICES: The operation functions as a high-volume call center utilizing: Repeated calls and text messaging, Scripted representatives using legal terminology, Rotating phone numbers to avoid call blocking or tracing, There are reports of overseas dialing operations, including use of a third-party call center identified as SIXELEVEN (sixelevencenter.com).

KNOWN PHONE NUMBERS AND CONTACT INFORMATION-GOOGLE ALL TO VERIFY ITS TRUE!!!!

#Number before this one was 866-448-3953,
844-448-0395, 855-291-1473,833-807-6386, 877-519-1019, 844-699-1452, 844-699-1448, 877-519-0982, 877-662-0695, 888-592-6579, 888-485-9312

Fax numbers:512-857-1351 & 689-233-1399

Publicly listed Assured Financial Partners numbers-"THE CLIENT WHO RETAINED THEM"951-438-1013 & 689-233-1302

6. LISTED LOCATIONS
11810 Pierce St, Suite 100, Riverside, CA- employee office
420 N McKinley St, Suite 111-624, Corona, CA  (mail drop/pick up)

Jason Ryan Zandstra is reportedly based in Georgetown, Texas, with prior operational presence in California.

CONSUMER HARM AND REGULATORY CONCERNS These practices: Obscure the true identity of the debt collector, Prevent consumers from meaningfully validating alleged debts, Create fear through misleading legal threats, Potentially target time-barred or unverifiable debt, Such conduct appears inconsistent with the requirements of the FDCPA and state consumer-protection laws.

REQUEST FOR REGULATORY REVIEW:Contact the CFPB and ESPECIALLY the State Attorney General:
Investigate the business practices and entity relationships described above
Review compliance with FDCPA, UDAAP, and applicable state statutes
Determine whether enforcement action is warranted

9. ATTACHMENTS (IF APPLICABLE)

Call logs,Text messages, Voicemails,Written correspondence, & Payment records

You're welcome and Merry Christmas!!!