Harassment
Complaint
Debra M. Persiano
Country: United States
I got a call today at home from a man stating he was a process server for Collin County DA's Office and he is with the Sheriff's office and needed to come serve a warrant on me. I was shocked and asked why? He stated do you live ....are you still at this address are you now at this address and I stated who are you? He again, stated he was from the county going to serve court papers on me today. He gave me a toll free number for what he stated was the county's office which is 1 866.872.6116 gave me a case no. which he called a Cause No. 008307-TX. I called the number was transferred to a Mr. Fisher's office who stated that law suite in the amount of $6,214.24 was filed in Collin Co., Tx and that warrant was out for me. He then after back and forth said let me get more information from my secretary and state this was for an outstanding debt in from Capital One a credit card that I obtained several years back and had disputes over interest charges etc. He stated that if I did not want to go to court or jail that I could pay $1,951.00 in full by end of business today and this matter could be cleared up. I explained that I recently lost my job etc. Anyway, he stated that I needed to call him back by EOB today or they will serve the papers. Ok, so that was a heads up for me. I called the DA's office nothing is filed on me as of today, after searching PMG it is clear that they do not practice best practices for collections and have been in trouble for this before back in 2004. I need someone to give me advise. I want to pay off my debt, I don't want this type of collections to continue this upset me, made my blood pressure raise, this type of collections are not the right thing to do. Had they called and ask to make arrangements or give me an opportunity to clear the matter, rather then threaten me by taken legal action, or harassment stating they are sending a sheriff over today. This is wrong, bad business, and should not continue this company is bad news.
Comments
Their solution was to try to use deceptive shill posts to create the appearance that the "debts" were "real", the "process servers" actually "served papeers" at work or home, that they "filed lawsuits", and that they would "garnish wages" if you didn't immediately "settle".
The shill posts tended to fit several categories.
1) "Happy, grateful debtors" who "settled", for some "discount".
2) "Whiney deadbeats" who "got caught" and were "garnished" for a lot more than they could have "settled" for.
Those shills were easily outed due to similarities in style and the obvious propaganda campaign pushed out across various sites, on complaint threads against various Corona Scam names. On 800notes and whocallsme, counterposts generally appeared within a day, both by people they tried to scam, and by others who were familiar with legal debt collection practices. In fact, the appearance of similar shill posts was one factor tying all the Corona Scam names together, along with the threatening "process server" calls to relatives, and Corona area mail drops. The names changed and multiplied, but the M.O. stayed the same.
When those shills started being challenged (many were removed from 800notes, but the removal notices are still visible), new shill approaches started appearing.
These tried to create "credibility", with lots of "details", claiming the "debt" had been traced from the original creditor to this "debt collector", or that they had been "verified as legitimate" through their "lawyer" or "bank". All of this, in an anonymous post, has no more credibility than any other anonymous statements, but the repeated pattern of "details" concocted to create the appearance of "legitimacy" again tied all the shill efforts together, as an organized deceptive campaign.
When these posts were challenged, the shills fell back to just attack and smear. At least 2 PIs have posted, asking for information. (They tried to pull the scam on a third PI, and he just passed information to the Texas AG.) One PI asking for information, as part of gathering evidence for filing a RICO lawsuit, got two smear replies in several days, first claiming he was supposedly some disgruntled ex-employee fired for getting caught having sex on the job, and the second time claiming he was some litigious scammer living on filing frivilous lawsuits.
http://www.ripoffreport.com/collection-agency-s/rincon-management-se/rincon-management-services-pac-db3e9.htm
The above response is pretty typical when this scam's shills can't sway a complaint thread. They start attacking, smearing, and screaming obscenities.
All the above shill responses are aimed at one goal: to shut up people reporting on and investigating this scam, under ALL its names.
This is probably the largest fraudulent debt collection operation to come along since CAMCO. Its tactics have been successful for a couple years to avoid action by FTC and state AGs, probably due to the deliberate use of many names, but that camoflage is becoming less effective. It was probably hatched by someone familiar with running similar scams on a smaller scale, and several such smaller rackets appear to have operated in southern California for years.
Reports are that FTC HAS noticed that a lot of complaints point to Corona, even though the names and numbers differ. They have run into similar fraudulent schemes, recently taking down a scam that hid behind over 50 names, so this isn't as unexpected as it might once have been. Consumer reports indicate both that they have done follow-up interviews to consumer complaints, and that they have contacted a telecom provider of the 800 numbers, which would allow them to tie all the numbers back together, ultimately by service location, regardless of aliases. Several others have reported reversing postal money order payments due to fraud, which would make this visible to the U.S. Postal Inspector. Others report a cease and desist order from the Texas Attorney General, for unlicensed and unbonded collection in Texas, and other state Attorney General complaints being forwarded to the FBI.
This scam's days are numbered.
Fraud and deception are not new. In fact, they have been areas of study in political and military intelligence analysis all the way back to Sun Tsu.
The same principles apply to commercial deception and counterdeception as to deception in the military and political arena. Deny access to reliable information to assist the deception ("D&D"). Use a cover story to maintain "plausible deniability" to evade repercussions. Create confusion as an alternative to outright deception. Use deception for immediate tactical gain. On the other side, find independent, reliable sources of information to counter deception. Realize the limits of deception: If you get caught routinely using it, you destroy your credibility. But if the future doesn't matter to you, then who cares?
Despite the attempts from the beginning to stay under the radar using multiple names and phone numbers, all they have succeeded at was to create a larger complaint footprint that allowed the complete details of the scheme to be collected and verified through many independent reports. It is these many independent reports, over years, against all their phone numbers and names, that outweighs even the uncertainty of anonymous posts. Against this, even the many shill posts are just more confirmation of the M.O., further confirming the fraudulent nature of the scheme.
Pulling credit reports, faking "debts", and threatening people with "arrest", isn't a "little overboard".
It violates numerous federal and state laws, including larceny, wire fraud, and aggrevated id theft.
From the beginning, you knew you had to hide to get away with it, or you wouldn't have put so much effort into all the LLCs and other aliases.
So you say.
Yet numerous complaints, going back years, report attempts to collect unowed "debts", never existing "debts", "debts" that sound a little like old accounts but where you don't have accurate information, already paid debts, or even debts that the original creditor actually confirms haven't been sold to you. You never provide validation, or even send an initial "g" letter required BY LAW, only "settlement offers", and your "independent" "process servers" make threats of "arrest".
Your pattern of complaints suggests that you read the FDCPA, saw all the cool things you weren't supposed to do, so you set up layers of aliases and cover stories to hide behind so you could get away with doing them anyway.
All that points to fraud, to attempting to collect on what you don't own, using threats as a substitute for the validation you can't provide.
No legitimate debt collector does what you do to collect debt they own. They don't have to.
Might be a "payday loan"?
Might be a "credit card debt"?
Just toss out whatever BS you think will work.
I would pick Door Number 3: "fraudulent claim"
https://800notes.com/Phone.aspx/1-813-863-1962/7
"DR41216
19 Aug 2011
I got a call from these idiots once last year and then again today. They keep calling my mother's house that I haven't lived at for 4 years. They leave the same message throwing out words like "affidavit, restraining order and subpeona" every time. I then call them and tell them "If I have a debt, I'm happy to pay it. Just send me proof."They tell me they can't send me that information because they don't have it. They tell me it's either from a payday loan (never had one) a credit card debt (I have no recollection of this) or a fraudulent claim (???) They then say that the sheriff has tried to serve me with a subpeona twice to an old address of mine. I tell them I'm happy to give my new address and they reply with "Our legal department already has your current information." I then tell them that if they have it, why hasn't the sheriff served me at my home?
..."
National Reconstruction Services
Jason Begley
Corona CA
http://www.corporationwiki.com/California/Cor ... c/39476392.aspx
Debt Advantage USA, Inc.
Jason Begley
David McKenna
Corona CA
You wouldn't have a bunch of fake "process servers" making threatening calls if your "debts" were real. The more you threaten, and deliberately call relatives instead of the party you claim you are "suing", the more you tell the world you are just faking.
You wouldn't be hiding under over 40 names, and adding new names every couple months, if you were legitimate. You wouldn't have to. Hiding tells the world you have something to hide.
So sorry CORONA DEBT SCAM you didn't get to rip me off because of TJ and other caring individuals that are well aware of your scam. Hopefully more people will check you out before they pay you.
Can you prove that you have ever won a lawsuit?
These message boards are probably destroying his perfect little scam.
42 lawsuits in 90 days- yeah right I believe that just like I believe
your a police officer coming to arrest me over debt.
Do your lies ever stop You keep writing "nuff said" So shut the [***] up because nobody cares about a word you write.
She told me that the bank did not sell my debt to you or anyone else.
According to Ms Roberts the bank manager I am not the first customer to call her regarding this type of scam coming out of Corona Ca she referred me to the banks fraud dept and they had me send a copy of your message telling me to call my bank.
The bank confirmed what I already knew. FRAUD FRAUD FRAUD!!!!!!!!!
The scam artists most often claim they are attempting to collect a debt related to a payday loan obtained over the internet. Many of the consumers who have been contacted have never obtained a payday loan or the loan has been paid in full. The callers have most recently identified themselves as “Criminal Investigations.”
The fraudsters call the victim’s home, cell phone, and place of employment, according to a press release from Jackley’s office. They refuse to provide to the consumers any details of the alleged payday loans and become abusive when questioned. The callers threaten with legal actions, arrests, and in some cases physical violence if they refuse to pay.
“These collection calls are an attempt to obtain payment by instilling fear in the victims,” said Jackley. “Do not follow the instruction of the caller.”
Jackley said that if South Dakota residents receive calls of this nature, they should:
* Contact their banking institutions;
* Ask the caller to send the loan information in writing;
* Refuse to verify any bank account, credit card or other personal information over the phone;
* Contact the three major credit bureaus and request an alert be put on file;
* Contact local law enforcement agencies if there is immediate danger.
This article was dated August 5, 2011
Scam Calls: 'State Police' Demand Debt Payments
New York State Police- A new phone scam has swept states over the past month in which callers claim to be law enforcement agents seeking payment of a debt.
New York State Police have put out a warning about the calls, and the scam has been reported in other states, such as Arkansas, California, Colorado, Florida, North Carolina, Ohio, and South Carolina.In New York, the scam artists say they are officers representing agencies with names like the Cyber Crime Unit of the New York State Police, or the Bureau of Criminal Investigation. They tell their targets that debts -- from cash advance fees to unpaid loans -- are due and demand the money over the phone. One of the supposed agencies cited in the calls was Advance Cash Net.
The scam is sophisticated enough that the recipients' caller-ID often shows an incoming number with an in-state area code. Officials say this is a ruse.
Some recipients have asked for the address of the law enforcement office in question, and while answers have included actual police and investigatory offices, New York State Police again warn that the debt-collection call is a scam intended to part victims with money and personal information.
New York officials emphasized, in a statement, that neither agency, nor any branch of the State Police, engage in collections calls.
State officials, including the office of New York Attorney General Eric Schneiderman, caution that consumers getting such calls should never give out personal information or pay purported debts without checking out the caller.
State Police advise recipients to report such calls, or ask their state's attorney general for more information about the callers' claims.
"Debt collection fraud is something our office monitors very closely," AG spokesperson Lauren Passalacqua told Consumer Ally.
Schneiderman's office operates a website of facts and tips about debt collections at its Consumer Frauds Bureau
Numerous complaints report you never do.
You send "settlement offers" instead, so people think they are paying for something.
You make up excuses for why you supposedly not a "debt collector", so you don't have to validate, yet since YOU claim the "debts" are delinquent, and you call people and take payment, you clearly ARE a debt collector as defined by FDCPA.
When you aren't pretending you aren't a "debt collector" and don't have to follow the law, you claim you sent a "g" letter that no one receives.
You claim you are "suing", then also claim you aren't an "attorney". You make up this concocted "business" you call a "filing firm" or "filing service".
Your "process servers" call claiming they are trying to "serve a summons", even that they are local law enforcement trying to serve this "summons", and will "arrest" people who don't immediately call back, but when people check with their courthouse, they find no "lawsuit". Or you claim you or the court can add some "$1000 fee" or "fine" if you serve a summons at work.
In fact, every deviation from standard legally compliant debt collection that you do, planned and with excuses at the ready, is aimed at coercing payment of alleged "debts" while evading attempts by consumers to get proof.
Even telling alleged debtors disputing your claims that, like you are saying here, they have to check with the original creditor themselves, is itself a violation of FDCPA, for deceptively implying they have no right to dispute with you, legally blocking all your collection activity until you obtain and send proof.
You call relatives and employers, illegally disclosing to third parties, then blame it all on this "independent process server". In fact, the glaring factor in most of your complaints is that somehow, although you are pretending you keep "suing" people, you always seem to call their supervisors, or their relatives across the country first. No "skip-tracers" could be that incompetent without working at it.
Your "process servers" are in your call center, using the phones you pay for, and somehow they all know how to make the same illegal explicit or implied threats. They even know how to pretend to be a "local deputy", or calling from "the County", and how to threaten people with "arrest" if they don't immediately call back. Yet YOU claim you have nothing to do with this.
You have been caught a number of times collecting on "debts" that the original bank or creditor claims they still own, or that have even already been paid. You could not be making so many of these "mistakes" that are showing up in consumer complaints, unless you were routinely getting account information from sources OTHER than buying debts, like from pulling credit reports.
You have numerous complaints of calls demanding payments for "credit card debt" allegedly from "HSBC", or "National Bank of Delaware", to people who know they NEVER had any account with those banks. (It appears that "National Bank of Delaware" hasn't existed for years.)
You get caught by someone who knows they don't owe your alleged "debt", you don't direct them to send in a dispute and validation request. You start making up BS excuses. "It might be a payday loan." "It might be a credit card." Yeah, and it might be a bunch of BS. All illegal deception.
The one common factor in all your activities is deception.
Please forward your information, including copies of bank verification, to the FTC.
Their other main characteristics are weird "investigation agencies", and thick Indian accents.
There are, however, several similar scams run from the U.S.
https://800notes.com/Phone.aspx/1-888-350-5995
Pristine Financial Group
888-350-5995
So I'm supposed to believe you over my bank. I don't think so.
You always verbally attack people when they expose you.
I have nothing to gain by not telling the truth about this matter.
As for you, cheating and lying is the only way you can run your shady business.