Fraud
Complaint
Cynthia Montoya
Country: United States
Scott Anderson has called and said that I have until the end of the day to call or I would be served papers for a court matter. He has left this message twice and still no papers. Also, don't they know that when you're served with papers you're not give a "heads-up". I have checked all three of the major credit bureaus and there is nothing listed with this name. I fell into this trap once before and I think they found me again. I owed a small loan and I made arrangements with them to pay it. After giving them 425.00, the REAL company called me. It was only after speaking to them that I found out AFG was a fraud. I reported it to my bank and their fraudulent department investigated, I got my money back and now they're trying to attempt to scam me again!
Comments
FTC just sued a large group of collection agencies centered in Corona CA, for violations very similar to this fake "process server" game. They are investigating many complaints of similar illegal collection practices in the area.
They probably are not licensed or bonded, as required by Texas law.
If they are, their license can be yanked, and they can be fined, paid by their bond.
If not, the Texas AG can go after them for that.
The Texas AG has recently had to deal with a similar scam collector out of California, recently sued by FTC.
If he failed to send that letter, then he is in violation of FDCPA, and you can sue him, regardless of whether you owe any alleged "deb".
Failing to comply with FDCPA, FCRA, and similar state debt collection laws is often an indicator of a fraudulent fake debt collection racket.
https://800notes.com/Phone.aspx/1-888-207-2037
Very few complaints against that number, starting only recently.
http://www.mycallbot.com/numbers/8882072037
This is also consistent with a fraud racket run by criminals who keep changing their numbers. "ACS law firm" is one of the names commonly used by these fraudulent scammers. Legitimate debt collectors usually have years of complaint reports against their numbers.
There are many criminals running this type of racket, just hunting for suckers who may have once taken out a payday loan, and trying to con them into paying them. Many are located overseas, often in India, and have thick Indian accents, but there are some operating out of the U.S.
They may even have consumer identity and bank account information, which they may have obtained from old payday loan records from defunct lenders, from fake "payday loan application" websites, or from accessing consumer credit reports. Having identity information, or even your bank acocunt number, proves NOTHING.
Legitimate debt collectors will accept dispute or validation requests, and can obtain proof of an alleged debt from the original creditor, as they are required to do so under federal law (FDCPA). Any "debt collector" that makes threats when you ask for proof is probably just a criminal running a con. If they threaten to sue you but never serve you a summons, that is an indicator that you may be dealing with a con.
Debt collectors are required to send a notice compliant with 15 USC 1692g within 5 days of first contact, BY US MAIL. No exemption for saying you are "green".
Any debt collector engaged in deception, abuse or harassment, evading validation, or other violations of FDCPA, should be viewed with suspicion as those violations are often indicators of fraudulent collection of possibly faked "debt".
Not even a shady US debt collector. Just crooks, possibly located overseas.