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
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.
yes people he did post his lies on all the web-sites and do you know why..
because this IDIOT isn't making any money so he has try to use scare tactics..this IDIOT makes 7.00 an hour and 15% 0f what he collects and being collections is way down he isn't making any money and that makes me happy,,i bet he is being evicted from his roach infested one room apartment for not paying his 300.00 month rent
this company is not licensed to collect monies from people so that means you don't have to pay them,the law is on your side
DESPERATION HAS SET IN ON THESE IDIOTS
Today I got served this court papers at my work! Soooo embarrassing in front of all my co workers. It's from ffg and associate law firm. I'm being sued for not paying my old bill. I wish I would have paid the bill now I have to see the judge! I hope I don't get fired since It was a big scene at my work.....
So my advice is to be careful when dealing with FFG. I have done research and found out that many have been sued already! Just look at all the people on these sites that have been sued! But there seems to be only 1 or 2 losers who keep saying the same thing "Don't pay FFG" "They will rob your bank account" "They are scam artists"
Come on really??? If FFG was "stealing from peoples bank accounts" they would be shut down immediately but yet they have been in business for years!! Think about that!
You see it's the same 1 or 2 people on these chat lines that say not to pay but look at the dozens of people who have been sued! And just remember.. Why are they still in business if they are such a scam company??? Because they really do sue people and I don't want to be next! Good luck all...
You have numerous complaints of robocalls claiming people owe some alleged "bounced check". Many report they don't even use checks.
Others report receiving threatening calls implying they are being sued, many with no clue what the call is about, some even having no debt. Sounds like a fake "lawsuit" shakedown, at a minimum it overshadows and violates FDCPA "g" notifications.
Looks like you rent Rory's name, and send letters out under it, to support your "lawsuit" threats.
Also note the many deceptive shill posts, some claiming they have been "sued", obviously written by employees. Some have been removed after being identified as part of a shill campaign.
https://800notes.com/Phone.aspx/1-866-443-6985
https://800notes.com/Phone.aspx/1-877-860-3048
https://800notes.com/Phone.aspx/1-866-202-5030
https://whocallsme.com/Phone-Number.aspx/8664436985
You even have reports of attempting to collect faked "payday loans", from your "CMG Group" friends.
Rather poor judgement.
You were fined by the Nevada Department Business and Industry, Division of Financial Institutions, after complaints and an investigation found you were running an unlicensed debt collection operation in violation of Nevada law.
http://www.fid.state.nv.us/Notices/2009/Vegalo_LLC.pdf
You've morphed through several name changes, so if people want to know your history, they should search under all of them.
Here are your federal lawsuits under your Vegalo LLC name.
http://dockets.justia.com/search?query=vegalo
Here are your federal lawsuits under your newer "North American Asset Services" LLC name.
http://dockets.justia.com/search?query=%22Nor ... &after=&before=
Nevada debt collectors are licensed by the Nevada Department Business and Industry, Division of Financial Institutions, so if you are having problems with a Nevada debt collector, contact them.
http://www.fid.state.nv.us/
If someone threatens you over some "debt" you never heard of, and evades attempts to obtain validation, you are dealing with a scam. Illegal harassment and threats are attempts to evade validation. Evading validation implies deception. Deception implies fraud.
Shill.
Shill.
You people should just do the right thing and pay your bills or try to make arrangements with them because the worst thing to do is ignore them. Then you will end up like me!
To the idiots on here who say "don't pay your bill" or "ignore ffg" or "they are a scam" etc. are in for a surprise! They are probably next in line to end up in front of the judge! Think about it people... If ffg was a scam, or "stole money from people's bank accounts" or didn't have a license, how in the world could they still be in business today? Think about that for a min! After all the complaints people make about ffg and all the "Bad" things they do, why have they been in business for years?
I just wish I paid my bill, now I'm being sued and I wish I would have done the right thing!
FFG is a low life sleazy debt collection company and so is there low life IDIOTIC EMPLOYEES this company will steal your money from you if you give them your banking info..GO TO BBB.COM AND READ IT YOUR SELF if you cant get access to BBB then go to 800 notes web-site type in there phone number then go to page29 look for FYI dated 10/19/2010 he posted the BBB report.
remember your dealing with low liefs who makes only 7.00 an hour and 15% of what they collect and nobody is dealing with these thieves and this IDIOT isn't making any money and that makes me very happy..yes they were heavily fined by the FDCPA and if they did get closed down they will just reopened under a different name and still be a low life lying sleazy company...DO NOT GIVE THEM YOUR BANKING INFO,,THEY WILL WIPE OUT YOUR BANK ACCOUNT...IDIOT..
http://www.bbb.org/southern-nevada/business-r ... derson-nv-79802
"Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that lowered Frontier Financial Group's rating include:
Length of time business has been operating.
108 complaints filed against business
Failure to respond to 42 complaints filed against business.
...
Additional Complaint Information
According to a pattern of consumer complaints, the company attempts to collect debts that consumers say they don't owe. Many consumers report the company harasses and/or threatens them to pay these debts. Some report the company continues to call and harass them, even after requesting them to stop.
The company typically responds to BBB complaints by stating that they are in the process of obtaining written verification of the debt from the original creditor. The company also states they will cease all collection activities until written verification of the debt has been provided.
Additionally, the company has a pattern of unanswered complaints.
...."
Here's your friend, rated "F"
http://www.bbb.org/southern-nevada/business-r ... -vegas-nv-79784
"BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that lowered Vohwinkel Sullo & Associates' rating include:
13 complaints filed against business
Failure to respond to 7 complaints filed against business.
BBB does not have sufficient information to determine size of business. BBB evaluation of business is based on rating formula's smallest size classification.
BBB does not have sufficient information to determine how long this business has been operating.
BBB does not have sufficient background information on this business.
..."