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

Got a call at work from 646-396-7619, asking for a person who doesn't work here. Quick research on Google reveals that this is a for-profit scam pretending to be a collections agency.

Report it to the FBI and your local police department.

They have been calling me all day.  First call came in at 8:07 which violates FCC guidelines.  If they can be caught, that is a 10,000 fine to call before 9AM.  They have been calling every 20 to 30 minutes all day long.  I can block some and Verizon has put a block any sales calls.  The first call did come from out of the country.  They obviously can access any area code.  They tried calling me using a number within my own area code.  It is something about helping with pay day loans which I do not have.

The fake PDL collector calls are illegal for many reasons, but you are quite misinformed on what those are. There is no set "10,000 [sic] fine" levied by any federal agency, and the inbound call time you report is the one *perfectly legal* behavior in your story. You need to do some homework if you're going to combat these fiends.

FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB Q&A on debt collection practices
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

I received a call on Tuesday 9/17/2013 from a Benjamin Grant, phone number 507-201-4132, stated that he had been trying to contact me about fraudulent activity on my checking account.  He asked for my SS# and I informed him that I do not give that information out over the phone.  He then asked for the last 4 of my SS# and I stupidly gave that.  He then went on to say that he was calling about a payday loan I had taken out about 4 years ago.  I told him that I had not taken out a payday loan.  He asked if I had a bank account at Wachovia bank and I told him that I did not.  He knew my birthdate and a former address.  I informed him that I had not lived at that address in almost 10 years.  He then proceeded to ask about an email address and question me about it.  I told him that was not my email address yet he still insisted that I had taken out the loan.  I told him this must be a case of identity theft, yet he insisted I pay for a loan I did not take out.  He said he could help me out with this situation, but only if I made a payment so he could hold the account.  At first he stated the original loan was $250 then he said $200, but with all the penalties, fines, interest and fees it was now over $6000.  I have filed a complaint with the FTC and my state Attorney General.

No not at all. Its not ok to break the laws period. I have found in my 10+ year collection experience, especially with these payday loans, people think they can take them and not have to pay them back. Also it is very hard to collect  on a debt when as soon as anyone hears you are a bill collector they hang up. PEOPLE NEED TO UNDERSTAND THAT YOU BORROW THE MONEY FROM THE LENDER YOU AGREE TO THEIR RULES NOT YOURS. YOU AGREE TO PAY IT BACK WHEN THEY SAY NOT WHEN YOU FEEL LIKE IT. This is why these collectors are taken those steps. The bottom line is not to blame the person who is calling you about a bill you haven't paid, blame your self for not paying. As for those who are breaking the laws, I have listed as well as many others on what to do. And that's just this site alone. For many of the post I have seen its about a bill from years ago. Point is a bill shouldn't be years old. In most cases you have received calls and letters in the mail. Why is it now that they call you and scare you do you want to address it? Or in this matter complain about it? Once people stop trying to "cheat the system" and actually own up to their responsibilities, then we will see change.

This is something that I think many many many of you don't understand about the online payday lenders; When you apply with one company, they send your information to several lenders to get you a approved. Sometimes more than one approve you. This is why they say read the fine print.

But personally I think that its the biggest line of [***]. You don't notice your bank account is that much more? Oh wow where did this $300 come from? No it wasn't your lucky day or bank error. ESPECIALLY  when you have been applying for online payday loans. Stop looking for excuses as to why you "cant" pay and start doing what you are both morally and legally obligated to do. PAY YOUR BILLS!

You hereby win the Straw Man Argument of the Year Award.

"Pay your bills". That would be a fine argument if anyone here were arguing against that position. They aren't. Stop whining and go away.

The part about the moral and legal obligation to pay your bills I can agree with. The problem is that after 95 tabs of posting the most people is saying that they are being scammed into paying for something they do not owe, the person on the other end of the phone will not provide documents by USPS they owe it, or threat of jail which is not in a bill collectors power to to. So in that respect the only ones trying to cheat the system is the scammers trying to get money that they are not otherwise entitled to and that is the problem.

855 457 0425

This number was left as a "callback" on a call made to a relative's place of employment number. A co-worker took the call. Even though the relative was in the office and available, the caller declined to be transferred and asked to take a message, alleging they needed to serve with legal documents, providing what they alleged to be a court case number (which turned out to be bogus upon later research) and attempting to arrange for a time to have the subpoena served next day at the place of employment.

After being contacted by the relative, I called that number. "Michael" answered. I have asked several questions to identify the full name and the company, as well as whether they were associated with law enforcement, and the male voice on the other end refused to answer my questions before I provided him with my name.

Subsequent calls to the number are being answered with "Corporate office, how may I help you?"

This is likely a FAKE DEBT COLLECTOR.

See http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

as well as https://800notes.com/Phone.aspx/1-855-457-5584  and https://800notes.com/Phone.aspx/1-855-457-6257

Also, read the following: http://www.consumer.ftc.gov/blog/facing-debt-collection-know-your-rights (debt collectors are legally prohibited from falsely claiming to be law enforcement agencies or giving false information about your credit to anyone. See also http://www.consumer.ftc.gov/articles/0149-debt-collection and the text of FDCPA at http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm . Per FDCPA (15 USC 1692k(3) ), if you sue any debt collector for violation of FDCPA and win, you may be able to recover "reasonable attorney fee" plus get up to $1,000 in "statutory damages" for your trouble, so it may be worth a shot to contact an attorney (especially since many provide a short free initial consultation), since YOUR attorney will effectively get paid (if you win) by the DEBT COLLECTOR (not you).

Documentation is important, so if your co-workers, friends, or relatives are contacted, ask them to write down everything they recall about such calls while the information is still fresh in their memory (so that they can later possibly testify in court on your behalf). Whether these are purely fake debt collectors or allegedly legitimate debt collectors employing illegal tactics, dissemination of public knowledge that these tactics are illegal will help root them out.
Caller: "Corporate Office"
Call Type: Debt Collector

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As to paying your bills, debt collectors (and even legitimate creditors) often try to collect much more than you owe (on the sly) by adding improper interest/fees to your account or asking for an amount they end up not being able to prove in court. See ROYAL FINANCIAL GROUP, LLC v. Perkins (2013) available here:  http://www.courts.mo.gov/file.jsp?id=64644

Thus,definitely ask for documentation and validation. After all, if the debt collector has a legitimate claim, especially if it's an old debt and a reasonable person needs to understand what, if anything, is claimed to be owed and why, providing documentation proving that you owe the amounts is really not too much to ask.

Here is one 509-414-6368. Call came today.

Great posts team. T Rez answer your phone.  Just take notes.  Seny ever having rhe sebt.  They will threaten you no doubt.  Perfect.  Goal ks to het information on the original creditor.  That is where the money is.  
The fly by night collector isnt where you need to target.  Demand proof of the debt.  If rheh cclaim to be law enforsement or an attorney, contact local sherriff, contact state Aty General.  

Inform them to never call you afain and hang up.  If they return a call, document kt.  If yoj xan rexoed the cal do it!  Do not tell them you are.  Share it with the AG, and or original credktor.  If they cross the line, nail them.

Do not ever give nor verify.personal information. Only deal with the original creditor.  

Enjoy this great Sunday.  Get exckted about Monday.  You can reclaim your phone from these criminals.

pay day scam phone number.....first appears as all ooo ooo oooo than when thay leave message the number they tell u to call back is 1  855  206 6550......nothing but  a scam

209-315-5456 tells me he is with Allied Cash Advance. Tells me I owe a $200 cancellation fee. I called the number back and they say they are associated with Net Bank. What can I do?

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From NY here is another number 888-211-9377. They are calling home where I have a very sick father, he doesn't need this. They're calling my work place and my cell number. They have a case file number, and the caller gives me her name.  She wants my lawyer to call her. What can we do?

I would not do nothing but call their bluff. These people do all sorts of things to get money out of people who do not owe it or they have not a license to collect in your state. You can check out the case number with your county court to verify it or call your attorney general to see if they are real. Also go to the FTC web site to report the number. Do not let this worry you as fake debt collectors like this count on your fear and not knowing the collection laws and you do have the right to demand a validation of debt by snail mail. If they claim they can not send you this then you know it is a scam to get your money.