Fake payday loan collection scams - Please list new numbers here [2]

Possibly this way:

Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

— filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.
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So how do you fight them.. Simple, demand proof via us mail! Thats the law!

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.
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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/
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

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

I can't wait to try this!!!  I had a company called Allandale Lending Company screw me out of $1000 and I will totally do this because now I have tons calling me!!!  Thanks for the ideas!

I haven't been inclined to do an analysis, but I do know they seem to be using SEVERAL different numbers and the same or variants of the same scams.

Thanks for doing a reply to that post!  I just read it, and laughed so hard that it took me 20 minutes to read it!  I LIKE the way that person thinks! (and would hate to ever be on his/her bad side!)

My favorite suggestion from that list is posting a Craigslist ad for a payday loan and once you are contacted, giving them the scammers' information!!  What a hoot that would be!

Yes indeed that is our address 1130 E Lovejoy St Buffalo NY 14206...we were originally located at 2021 Sweet Home Rd Amherst NY

That list you copied our names from is true. Sadly my ex employer and his staff have some real issues. Both Lindsay and my self separated from that company. Soon after another one of his disgruntle employees posted that list in the attempt to try to shut them down. That office encourages the types of behavior that is in violations of the law. It is because of this why MY office operates differently. Yes we are guilty of working there and using the bad tactics you all mention. We however have since taken the legal approach and we believe that by helping instead of threatening we will be able to resolve these issues instead of causing more. I have nothing more to say in regards to that company or its employees.

We are located on the right hand side of Carbone's Pizzeria (if you are facing the pizzeria) corner of Benzinger and Lovejoy

I have nothing to hide. We conduct and operate within the parameters of the law. Anything else I can answer for you, please ask.

Note* if you are one of that ex employer of ours, employees, I warn you to tread carefully. The owner of your company as well as myself can assure you...you are only doing more harm to him than me =)

It is listed to 1130 you guys should work on your skip tracing skills.

it is also listed for 1132 because converted the one side all in one

I would advise keeping your childish threats quiet. Cleaning up after your self? I have no problem taking anyones life who comes to do me or my family harm.

Next time search 1130 and 1132 If you are having trouble.

We both buy and do placement servicing. I laugh at the complaints of those who are so wild with their allegations. I am sorry to hear about your experience. This is why we stay committed to following the rules but all the more being reasonable...being human. Yes in accordance to the FDCPA we do follow the law. We buy the debt for the charged off amount. That is legal. The interest rates that you agree to are insane. Why would you even agree to that? No we do not charge that. Even in states like Oklahoma who don't put a cap on interest. We charge your states usury rate. And we normally do that for 1 years and stop. In most cases we settle the account for the charged off amount. As for the courts, obtaining a judgement with the proper documentation such as the ip address of both the computer and internet provider and then a copy of the contract as well as that persons information from the banks that also confirms the deposit and withdrawl...its rather simple and easy. When a judgement is granted it also comes with interest rates. Most states allow for wage garnishments. And yes that is where we make our profit....my advice once again for anyone who has a debt....validate it and if it is true and just make arrangements to pay

I would also like to note.....in the 2 and half years my company has been around.....we have no once been sued or had any formal complaints.

We have also as of recent been solicited by the BBB. This comes from satisfied customers.


I don't dismiss or disagree with your comments about these abusive tactics of these agencies. And I will not defend them for the tactics they use. What I will say tho, from our end EVERYONE gives an excuse why they cant pay. Also there are many people who take these loans with no intentions on paying them back. We all need to be moral and responsible. When you needed the money it was given with the agreement that you would pay it back. And if reasons have come about that prevent you to pay at that time, don't dismiss it and think it will go away.

Don't assume just because its a bill collector they are gonna beat you down. Just because there are those fools out there doing illegal things, don't dismiss everyone. And all that encourage you to bankrupt, what they are not saying is the long term effects of that bankruptcy. Or those who encourage you to not pay someone because they called you on the phone, yes get documentation, but don't brush it off.

For those who do abuse you or break the laws. Let the law enforcement handle them.

TO EVERYONE...PAY YOUR BILLS!!!! maybe just maybe if we all took responsibility for our selves....then maybe just maybe we wont have the financial issues our country has.

Solicited by the BBB.. Bought, Bribed and Bull manured?   Shills making $2 a post for good reports?  Thats common knowledge..

a call from Anthony Miller an atty. from Gibson and Reed Legal, left a message at my work saying it was a legal emergency. The number is 417-218-0805.  With his Indian accent he told me that they received a fax from my bank saying I received a loan and never re payed it . I informed him that's strange because I have my bank statements in front of me and there's no loan there . He then said oh oh no I logged on the pay day loan site and there were fees I had to pay .he then told me the cops were coming here tomorrow to arrest me. That I would have a warrant for fraudulent check charges . I told him I needed this in writing sent to me, he then proceed to read me an address in Michigan, I live in Minnesota . This is the number and the info .

You came to a site that reports unknown, harrassing, or scam calls to promote your "business" them assume that most of the posters are debt dodgers?? Wow, that is some crazy hot mess! If a person who is getting out of pay their bills would not have the need to be posting to such a site, but dealt with the bill collector themselves.

Maybe they wouldn't be able to get out of paying their bills if collectors stopped breaking the laws. And I ALWAYS promote my business.

Let me get this straight : A FEW not paying their bills makes it okay to break the laws with ALL ? I don't think so.

And maybe if my granny had wheels she'd be a trolley.