Told me I was going to JAIL!

ComplaintsScamsVanderburg, Chase, and Associates

Complaint

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Alisha
Country: United States
They say they are coming after me with a bench warrant, which could yield 10 years in prison........... for non-compliance to pay them.  They say they represent Ace Check Cashing, and you have a warrant out for you and someone will come to your house and arrest you if you do not pay.  I didn't get very far with this call before I looked the number up online, and poof, someone else had already taken the initiative to post it.  I will list different spellings of what could be their "business" name.  Vanderburgh, Vandenburg, Vanderburk, or Vanderbirk....totally unsure.  They are not listed, obviously fictitious.  I told them I believed so and they have not called back and will not answer my calls either.  

https://800notes.com/Phone.aspx/1-877-822-2677

Comments

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  • +1
    AZVictim
    These people impersonated lawyers and told me I had a warrant for my arrest and the sheriffs office was going to pick me up if I didn't pay them right away. They actually wanted me to "verify" my social security number for them over the phone and give them bank account info. First of all I did some investigating and they are not attorneys nor do they have a legal department or attorneys working for them. Also there have been numerous complaints with the FTC (Federal Trade Commission) against them for violating debt collection practices. Now, more to the point. I DON'T OWN ANY LEGITIMATE DEBT WITH THIS COMPANY OR ANY OTHER FAST CASH PAYDAY LOAN PLACE. In case some don't know this Payday Loan places and Checkmate loan places DO NOT use the credit bureau's to verify a persons credit worthiness or identity. If they did they would have seen the FRAUD ALERT on all three of my credit files because a family member with a gambling addiction has been using my identity for years and police reports have been filed.  Bottom line: So if you have been a victim of identity theft the "fraud alert" you placed on your credit file DOES NOT stop these fast cash places like ACE Fast Cash. Instead they call your employment and call two reference people you suppossedly gave them. All someone has to know about you is where you work and two contact people that will verify you are a responsible person. (Three phone calls and all three can be made up and staged by the thief if necessary.) Then WHALA Payday will hand out a loan and deposit it into any bank account number given them not necessarily yours. The perpetrator has the money and the victim does'nt even know what happened until years later when they try to collect the bad debt. This is exactly what happened to me. Be Aware - Legally they don't have a leg to stand on because YOU never gave them your social security number. That's why they want YOU to verify your social security number over the phone so they can later say YOU gave it to them and YOU verified it was YOU. They already have your social security number, they just didn't get it from you they know it and they need to trick you into verifing it. They keep their fax number on an answering machine and refuse certified mail so your only recourse is to file a complaint with the FTC or sue them yourself. PAYDAY LOAN verification practices are the root of the problem. Someone needs to shut them down altogether. Anyone can get a loan in your name with very little trouble.
  • +1
    tj
    ALL payday loans start with writing a post-dated "bad check".

    The payday lender knows its bad when he gets it.  If he thought a felony was committed when the borrower applied, he shouldn't have made the loan.  He should even have called the cops when it was presented.  Does he do either of these?  No.  The payday lender would not be in business if he treated a known bad check as a felony.

    Payday lending, like all other lending, is about lending money and being paid back later.  The fact that a check was made out at the beginning of that process, whether it is later good, or bounces, has no bearing on whether any crime was committed.  

    The payday lender knows he is making risky loans, and many of them use third party collectors who make threats of arrest and prosecution.  If this were legal, every bank would be doing the same with all their delinquent credit card accounts.  Instead, payday lenders hide behind third party debt collectors, who use this phony argument to wring payment of their high rate loans out of borrowers (or as likely, their relatives).  They can always argue "We ONLY said it MAY be a felony, after all, it was a bounced check," even though they know exactly the available remedies are civil.

    A payday loan is no different than a credit card balance, or any other loan.  Unless you lied about something on the application, or intended to not pay it off when you took it, it is a purely civil manner if you can't pay it when it becomes due.

    Where this illegal practice crosses the line into criminal behavior is when incompetent debt collectors start threatening the wrong people.  There are many reports, on this site and others, that they contact the wrong person "in error", threaten immediate arrest, and in some cases as a result of those illegal threats, they get paid money from someone who doesn't even owe them, due to their threats.  THAT IS A FELONY KNOWN AS EXTORTION.
  • 0
    tj
    If they refuse letters sent certified mail, your certified receipt is proof of when you mailed it, and when it comes back, you have proof they refused it.  

    Courts do not look kindly at defendents who to not accept mail, especially mail they are required by law to respond to such as FDPCA debt validation or cease communications letters, and generally act and award damages that might be applicable AS IF they had received it when they have refused to do so.  

    Ignorance of the law is no excuse, nor is avoiding knowing.

    As for complaints, file them with state Attorneys General.  Several states have place severe restrictions on payday lenders, in some cases driving them out of the state.
  • 0
    new wife
    This week my parents (who live in TN) got a phone call from Michael Hart looking for my husband's ex-wife (who lives in Indiana and has been divorced for 10 years).  they told my dad, who has impeccable credit, that his name was associated with this person and this debt.  There is no way in the world that my parents are associated with my husband's ex-wife and her debts. They didn't even know her name. My dad called them back and supposedly they will not be harrassing my parents anymore.  The ex-wife and I have the same first initial, "C".  The people at this "business" said that must have been where the confusion came from.  RIDICULOUS!
  • 0
    VA-80
    Well believe it or not I've just received a summons from this dumb A**  VCA & Associates, to appear regarding a loan I had with Cash Advance Network back in 2008. The jacked up part is usually most agencies never do anything, but this one has, for now I guess. Now I have to wait until 9/24/09 to see what will happen. Now they've inflated the whole thing, This S*^t should not be legal
  • 0
    tj
    They are debt collectors who are reported to regularly violate FDCPA by threatening alleged debtors who may or may not still owe a debt.  They often reported to threaten arrest, claim to be attorneys, etc.

    Since they apparently don't care whether they comply with laws against abusive collection, it is not surprising that they would threaten people who do not owe them anything.  

    They are not "confused" about what they do.  Complaints against them are very consistent.

    And no, your dad was never "associated" with your husband's ex-wife's debt.  They just looked up possible relatives, probably through Accurint, who will happily sell location and relative information to anyone who claims to be a debt collector, whether abusive or not.  By disclosing the alleged debt to a third party, even a relative, they violated FDCPA, whether or not the ex-wife is even the alleged debtor.

    With "confusion" like this, the alleged debt might not even be associated with the ex-wife.
  • 0
    TAMMY   GOOMAN
    YES, I  LIVE   IN   CA   AND   MY   BROTHER   LIVES   IN   MD .   HOW   DID   THEY   GET  HIS   #    NOT   MINE  IF  I   OWE   A   BILL?  THE   COMPANY   IS  VANDERBURGH  AND   CHASE     877-822-2677   WITH  A  CASE  # 12-2-09
  • 0
    CJ
    I got a call from the back in august of 2009 and I made an agreement with them will they took out money out of my banking account right away so I changed all my info, well i got a call from them agian this last month stating I still owe the same amount that I did before and I was like I tried to pay this before and they took money out of my account she said we have no record of this and it needs to be paid in full by the end of the month, These people are a scam and they told my grandma I stole my fathers social security number to get a payday loan with how embarrising......
  • 0
    Fraud Buster
    I got a call from Chris Brodnic, he said he was with Vanderburg Chase and that my husband wrote a check for a payday loan place in Oklahoma. We live in Texas. He said he my husband was going to jail for a hot check if we didnt pay, it was over 1000.00... I know its crap because we dont live in Oklahoma, we have no reason to get a payday loan. After speaking with him I called my husband and spoke with him, he said call him back and get the lawyers contact information. I called Chris and when I asked for it, he hung up on me and I have tried calling back 5 times and he is not answering. He said we owed Ace Cash Advance, so I called their corporate office and they said they do not work with any firm with the name of Vanderburg!!!!! THIS IS A TOTAL SCAM!!!!!!
    Here is the contact info he gave me
    877-822-2677
    ext 3020
    Please dont fall for this. I would report them and make a police report for fraud. BEWARE!!!
  • 0
    sandy
    I just received a call from a Tiffany Brown and she didn't state what company she worked for but that she has a file on her desk regarding fraud she left an 877-822-2677 ext. 3028 but called from a Phoenix area code. with a case #. I had this company call and state they were with CPS when I called back it was Vanderburk and assoc. When I found out it was a debt collector I went the hell off due to me having kids and they stating they are wuith cps. That really ticked me off.... I haven't from them since
  • 0
    Melissa Gaudette
    We are getting the same calls saying that they are issuing a warrant to get us arrested. So I guess from what I'm reading they do not have the authority to do this. Is that correct?
  • +1
    DebtCollectorHater
    Jamie Garret with VC&A.  Got upset because I would not confirm my last four digits of ss on phone.  put me on hold.  Because they could not get me to confirm my entire ss on phone (which is stupid on anyone's part), I got into a verbal confrontation with the floor manager.  They were rude, unprofessional and ignorant.  However, by the time I got done with them, they hung up on me!  Do not confirm ANY SS information on phone with these people.  They're a two bit collection agency that purchases unpaid loans.  Look up loan statutes in your state.  In many states, if the loan hasn't been paid on in two years or more, legally, they cannot force you to pay.  What they can do is put it on your credit report which is probably where it is anyway.  So watch your credit report and make sure they don't list your loan five different times because they are getting away with tactics like that in addition to pushing up the date of your last payment so it stays on your report longer.  PAY the bill if you can, if you can't, survive first, pay bill later.
  • 0
    HateDebtCollectors
    That summons could be fake.  I'd check it out if I were you
  • -1
    Edey
    They can not do anything, however from what the manager at our bank said after receiving a copy of the check we wrote you for 5,000.00. Once they stopped laughing at the blatant forgery of someone writing repayment on our check. That is illegal and can be prosecuted for forgery/fraud. You agreed to pay us 100.00 a month towards repayment and we have not gotten a dime.
    And when we hear you are selling homes and making money, You are leaving us only one option to get our money back. You might be able to rent that room out for 500.00 a month and we paid you 1,000 up until December. So we paid in advance for the other months we were there.  
    We also let you use our food stamps. We should have only been paying 500.00 per month and you know it. So stop telling people we never gave you a penny and saying we were pigs has been easy to prove you wrong just by having friends see our new place. Plus who spent money on your daughters fund raisers??? Your welcome
  • 0
    JIM
    I got a call from these people today, at 8 AM sharp in california....
    said they were collecting for Household Bank, at first she said it was a check loan...I said no no....then she got her superviser and They did not threaten me at all......they were advised I was on Social Securty Disability and had no assets.......( It was a credit card debt)
    I guess we shall see what the next move will be....more calls I'm sure, but I have a lot of time on my hands to check the internet about my rights...SSDI cannot be touched and I have no assesets.....Stop wasting your time on me.
  • 0
    ly
    they called my mother in law's number asking if that was a good number to reach me and said that they need to verify some information.

    they said to call 1-866-493-9608 and I called because I want to know why they needed my information. Nobody answers the call. not one answered, I called 6 times at lunch time.

    Then someone called my cellphone after 6 attempts to contact them. the number that showed in the caller ID was 1-805-637-7243 and his name is Mr. Garcia... I can barely understand him with his thick accent  but he doesn't want to tell me anything unless I give him my SSN and Address.

    I told him I filed chapter 7 bankruptcy 5 months ago and the case is still open. I told him, "I do not have any debts that were not included in the chapter 7. If this is a collector calling me for payment, please call my lawyer at ------". He said, well I still need your personal information, I told him I can't give any information. Any information has to go through my lawyer and if if he keeps insisting that he still needs my info I will call the polic to have this call tracked for harrassing me at work... and he HANGED UP... he dropped the call!!!!!

    Then another number called 1-404-478-2225,from the same company vanderburgh and chason.... and told me that they needed to verify information again I said.. call my lawyer if this is a collection attempt. If not they do not have a right to get my personal info.
  • 0
    L
    I'm having this exact same problem!!! how do I know whats real or not, the sold our info? why? Now this guy at Vanderburg and chase ( which I was told was Nirvana) has my husbands info. I found out about them because some lady and man from Huntington asset. called saying thier was a civil claim aginst my husband. After calling them myself and trying to find out what was going on the man was real rude and refused to send me the doc.'s proveing any of this. So I called Ace, who said they sold it, I followed the paper trail, and I ended up w/ vanderburg or who ever, at first they said the sold it, so I asked who they sold it to, than they put me on hold.. came back on, put me back on hold, and hung up. So I called back, now they are saying they have his case. I don't know what to think or do.. all I know is someone has all my husbands info.
  • 0
    SharonLare
    jUST RECIEVED A CALL FROM THESES FOLKS FROM A 516-717-3994 NUMBER CLAIMING THE NEEDED A STATEMENT FROM ME AS THEY WERE A LAW OFFICE FUNNY IM A PARALEGAL, CALLED BACK THEY ANSWERED THE PHONE WITH HELLO COMPLETE FRAUD! CALLED BACK THEY NOW CLAIM THE ARE NOT A LAW FIRM AFTER I ASKED TO SPEAK WITH THE PRINCIPAL PARTNER PEOPLE BE CAREFUL THIS COMPANY CAN NOT DO ANYTHING TO YOU DO NOT GIVE THEM A DIME!!
  • 0
    stef
    I get these calls on the time on my job.
    It is about some debt I supposedly owe and they have my information and they are going take me to court... Blah, blah, blah...

    I hang up on these people, don't even let them leave the message.  I don't have time for this.  I don't have any money and I've paid only the LEGITIMATE companies who I owe money to.  Not companies working outside the bank laws of NYS and are illegal to practice here.

    If they have a legal case against me, then take me to court.  I like a good fight, like Charlie Sheen.  *LOL*

    WINNING!
  • 0
    stef
    Thanks for the info!  Good looking out for us consumers being railroad every which way but loose.
    I don't care about this company and if they are a real lawfirm, they better have their licenses updated because they will get sued eventually.
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