SCAM
Complaint
Bill
Country: United States
I started recieving calls from this low life people and telling me i owed money from a payday loan.I blocked their number and now they using private number so they can call me.What a idiot people.This lady leave a voice mail and frightening me.She said she will investigate me if i wont call them back within 2 hours.Investigate me for what? They are not FBI..I never done any against the law.They are very annoying..BEWARE!!!
Comments
Debt collectors using illegal and abusive collection tactics are often not licensed to collect in many states.
File complaints with FTC and your state AG.
Funny that NCS left message again today asking if was able to come up with the 1100 they say owing or at least 100 to start payment plan... yeah right :(
1) Phony "debt" claim (you know you never borrowed from Wells Fargo in 2010)
2) Calls with illegal disclosure made to relatives that could only have been located through skip-tracing, indicating an attempt to coerce through public disclosure and embarassment to evade FDCPA validation.
3) Possible indicators of fraud connected to your credit report (may indicate a lender or collection agency has posted false or erroneous address information to your credit file)
4) Threat of "legal action" in the initial call
5) No FDCPA "g" letter that is required by law to be sent within 5 days of first contact notifying you of the alleged debt and of your right to dispute it. The shakedown scams don't want you to know you can dispute, and they don't want anything in writing identifying who they are and where they are located.
That's +5 counts on the fraud indicator index.
they were also very rude and pushy
The "process server" leaves a number to call back, where you reach a "closer" with more experience than the "process servers".
The "closer" makes more implied threats, vaguely claims to have a claim to some "debt", which for some reason he can't provide any information on, but offers a "settlement". If you want "documentation" they will try to pass off some emailed "settlement offer", and claim that's all they have to do, or "it's going to court".
The "process server" is free to lie all they want, and if you bring it up with the "closer", they'll just say those are "independent contractors" and they're not responsible for what they do.
There is no real "lawsuit", no one's being "prosecuted", you won't be "arrested", the caller isn't a "process server", there's usually not even any real "debt", at least not one YOU owe, If there ever was some "debt", it may be for an illegal "payday loan", by an illegal unlicensed lender, maybe fraudulently made and trumped up with violations of TILA, and fraudulent bank charges. It's all an act, and it's carefully constructed to use "plausible deniability" and hiding their identity and location to get away with it.
File complaints with FTC and your state Attorney General.
Email them back, or if they call you, tell them you would LOVE to response, but you have to go kill a COW for your dinner and then, say "yummy - cows are NOT "gods" nor god like to me" - they will SCREAM you are a BEEOTCH on the phone, but then they will eavel you alone
Thanks.
6644 Valjean Ave Suite 100
Van Nuys, CA 91406
phone numbers (888)335-4400 or (818)701-4400