pay day loan that was paid off back in 2008
Complaint
karey mueller
Country: United States
man called yesterday left number to call back on my machine at work. Said he needed info about a check. When I called back told them I had prove that this had been taken care of. He wanted me to fax it over. Well I am not going to fax over a bank statement. Gentlemen already had my social security number and my email address. The number came across caller id as 719-387-0384. Gave me number to call back as 877-787-5582 Ext/ 271 Name is Will. Fax # is 702-463-8752.
Comments
http://www.edcombs.com/CM/Custom/TOCSpecial.asp
In addition, contact the Nevada Division of Financial Institutions, which is responsible for regulating debt collectors in the state of Nevada. Although they currently appear to be licensed in the state of Nevada, they had a run-in with this agency a year ago due to engaging in debt collection without any license.
http://www.fid.state.nv.us/
http://www.fid.state.nv.us/New_Sitemap.htm#Contact
Division of Financial Institutions
2785 E. Desert Inn Rd.
Las Vegas, NV 89121
Telephone: (702) 486-4120
Fax: (702) 486-4563
There are consumer complaints reporting their collection of faked "payday loans".
What do they claim is the name of the original creditor?
I have received a couple phone calls from a RORY from ROVO and associates who works with Frontier Financial Group. He states that I need to pay 3899 in full or I will be sued for my paying my best buy bill. This is the first time I have heard from anything having to do with my best buy account for 3 months. I just paid $180 on it in January and now they are telling me I am being sued because I defaulted on a credit card. They said they sent me a letter but I did not receive one and they sent me an e-mail, but it is very vague and telling me something completely different than the guy on the phone was telling me. I have looked online and most people tell me frontier financial group is a phony and just trying tog et your money, I just want to do what is right. Should I contact the original credit I was working with and figure this out because coughing up money to a company I am not sure of. They also have a D+ rating with the BBB.
Any advice would be great! Thank you.
first demand full validation..
when you opened and closed the account
all payments and charges made on the account
how they charged the interest,they always make mistakes in there favor..you want to do the math..
you want to see the contract with your signature on it..
the law is on your side..what if some payments you did make and it wasn't credited
second...check the
SOL out maybe this debt expired and you cannot be sued..you have to check the sol in your state..
third..make sure there licensed to collect monies in your state.
remember there thieves do not send them a personnel check or give them your bank info,once they get the check from you they have your account info and routing number and the banks name,,remember they got caught taking monies out of peoples account illegally.
if you decide to pay use money-orders and if they don't accept money orders then you say to them..WHEN YOU DO ACCEPT MONEY ORDERS THEN GIVE ME A CALL,believe me they will call you back,,,don't pay them until you check everything out...
also if your not working or have any assets they will not sue you there is no money to take from you so they wont sue in most cases..
If they had any sense of professionalism and duty to the public, they would assist in shutting down the fraudulent operations among their industry that are giving them the highest rates of complaints with FTC. Instead, they spout the same tired platitudes about responsibility and debt, ignoring that many people who pay their bills are being harassed by the predators in their industry, including their own peers dishonest enough to attempt collection even when they are too lazy to actually skip-trace accurately.
Using deception to collect debt is illegal. Using it to collect unowed debt from the wrong people is fraud.
SIX FIGURES YEAH RIGHT HAHAHAHAHAHAHA
your stupidity amuses me
Word is, they are on their sh*t list.
When contacted by a debt collector, always promptly dispute and request validation of alleged debts, and send your request in writing, mailed certified, in case you need to sue for continued collection without validation.
Recognize when you are being fed BS, file regulatory complaints on all violations with all agencies, and get an attorney if you need to.
But then you are a debt collector so of course you would claim the burden of proof is on whoever you call.
Many paid accounts find their way to debt collectors, through "billing errors", or failing to scrub the account records before selling them, or just transferring the whole customer database for some purchased or bankrupt business to let the debt collector figure out who owes what. This can result in lots of fraud, as debt collectors, knowing they may have no access to reliable records, may use illegal tactics to collect anyway.
Federal law (FDCPA) requires debt collectors to obtain validation directly from the original creditor. Their own records cannot be trusted.
Furthermore, SOL exists for a reason. Without it, everyone would have to keep every record and cleared check for the rest of their lives. You get some demand on a "debt" past SOL, and past the FCRA 7 year limit, tell them to get lost. That is what any business would do, including their own.
There are no "coincidences".
All communications has meaning, just not the meaning your adversary is saying.
Deception represents a capability (a policy that tolerates it, trains for it, ignores it, etc.), that once you find it, means it can or will be carried out in a variety of forms. Abuse is a partner to deception, as it is aimed at blocking your access to information that might uncover the deception. Abuse and deception work toward the same goals, and are indicators of the same capability.
Detecting deception implies the likelyhood of more deception, as it shows the existence of the capability to deceive, along with the will and intent to do so.
What people tell you is what they want you to believe.
What they do is based on what they believe.
If what they do is to deceive, then there is a reason in their minds for choosing to do so.
Abuse and deception are illegal tactics, so when you find them, they are being used for a reason. Look to motive.
If you find abuse and deception aimed at evading validation, it points to either no validation is available, or your adversary already knows you don't owe this "debt".
Leaving out information is as deceptive as giving you false information. Denying you information that would prove you don't owe a "debt" is just as fraudulent as fabricating a forged document alleging you do.
If you find abuse, look for deception.
If you find deception, look to motive. look for fraud.
This is different than normal business, where companies have to keep their customers happy and keep delivering a good product, or they go bust. A company with a product that it has to sell to customers has a strong incentive to get repeat business. This makes it a repeated round, non-zero sum game, where optimal strategy is "tit-for-tat". You screw me, it's going to cost you next time.
By contrast, debtors aren't customers, and debt collectors assume that what they do to someone today makes no difference tomorrow. They don't expect debtors to learn from their mistakes, or to learn that they are lying or cheating, since all that matters is the debtor on the phone at the moment, and 5 minutes from now, that will be someone else. Optimal strategy is go for the money, whatever you can get away with, since you are never dealing with this sucker again.
Against that, smart consumers demand proof of any debt, and investigate ANY debt collector they are approached by. Recognize the incentives your adversary operates under, and know from others what they are likely to pull. In particular, know when they have crossed the line, and what your options are. Extract a price when they cross the line. That is optimal strategy when you are dealing with an adversary who believes they get to play a one off game. You convert it to "tit-for-tat", based on reported experiences of others.
Rebecca Hnyda
Client Services Manager
Frontier Financial Group
1291 Galleria Dr. Suite 125
Henderson, NV 89014
(702)586-4444 ext 238
(702)463-8752 fax
rhnyda@frontiernv.com
Also the following:
smazzara@frontiernv.com
mhall@frontiernv.com
jduncan@frontiernv.com
CALL (flood the phone lines, fill up their voicemail the same way they do us with their $hitty automated messages), EMAIL, FAX!!!!!!! DO WHATEVER YOU HAVE TO.....
HARRASS THEM THE SAME WAY THEY CONSTANTLY HARRASS US!!!!!!!!!!!!!!!
DIRTY [***]!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
P.S. I know their are a lot of websites dedicated to these prick telemarketers/harassing phone calls. Feel free to copy and paste this on other sites so FRONTIER FINANCIAL GROUP AND THEIR DEGENERATE COHORTS can get a taste of thier own medicine.