That there gonna embarass me in front of everyone in my work and arrest me cause I didnt go to court

ComplaintsUnsolicited Phone CallsRja capital inc

Complaint

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Julie
Country: United States
I need to pay a 100$ every two weeks and since I agreed then they said theyll file a report against me and take me to jail

Comments

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  • 0
    Debt Collector
    | 3 replies
    All of you people complaining on here are a bunch of liars. I have worked in the debt collection industry for 10 years and all of these accusations are bogus. First of all, a 3rd party debt collector would never take you to court or advise you that they will. 3rd party debt collectors will never take you to court or serve you paperwork. You can also never go to jail for not paying your debt. It will just go on your credit report as unpaid debt. After 120 days of delinquency it charges off. RJA Capital is a legitimate company. Also, if these people who you have stated are being rude to you over the phone would no longer be employed. Considering the fact that all calls are monitored and/or recorded for quality and training purposes they would never get away with it. The company would also have been shut down long ago. Considering that the company is entering its 4th year of business, I highly doubt any of this is true. 3rd party disclosure is also illegal and therefore the company would be closed. Debt collectors are legally allowed to call your neighbors and family (only illegal in certain states), place of employment (only illegal in certain states). They are allowed to contact you at anytime during the hours of 8AM and 9PM EST Monday - Friday and generally 8AM - 12PM EST on Saturday. If they were breaking the laws enclosed in the FDCPA they would have been shut down years ago. Give me a break. Pay your debt and don't complain about it when a company is attempting to collect a debt. If you paid it in the first place, you would not be getting a call from them now.
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      debt collector 2 replies to Debt Collector
      | 1 reply
      You are sooooo wrong, this company just called me for the second time, claimed to b arbitrators, nvr read mini miranda, sd I was being sued and wwhen I told them I was recording the call, he hung up.
      • 0
        debt collector 2 replies to debt collector 2
        I too am a debt collector, over 15 yrs now, and was outraged that this company can possiby think they can get away with such abusive and threatening collection tactics in this day n age when consumers now are sooo aware of their rights. This R James and Associates out of Buffalo NY is about to b retired! I just filed a complaint with the FTC, Atty General in Buffalo AND my Atty General in Ohio. AND about to file a claim in my small claims court for multiple violations of the. FDCPA!..I recorded their calls and they are in Big A.. trouble! Don't have nothin better to do, might as well pay off some other bills with the money I'm about to get from them. Going to feel real good to show them its not nice to mk idle threats to me! Let's see how it feels when the shoe is on the other Foot! And trust me I WILL GET PAID!..dumb a..holes!
    • 0
      Michael replies to Debt Collector
      How ignorant do you have to be to sit there and pretend debt collection agencies don't regularly break the law?
  • 0
    tp
    | 1 reply
    Yeah, I just received a call from them myself threatening to take me to jail for some bounced checks. I think they were featured on dateline one time for breaking federal law.  Going to take this to an attorney.  Thank you guys for all your great advice.
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      tj replies to tp
      The Dateline shows were on the Boyland operation, pretending to be "police detectives in Maryland", but actually operating out of a hole in the wall in Buffalo NY.  After the notoriety brought by the Dateline expose, Boyland went to prison for being a felon in possession of a fire arm.  Seems he had a past history doing robberies.
      http://www.huffingtonpost.com/2010/01/05/buff ... s_n_412238.html


      Fraudulent "debt collection" shakedowns appear to be part of the Buffalo culture.  Buffalo had a lot of fraudulent telemarketing boilerrooms scamming senior citizens until the mid 1990s when the FBI clobbered them.  After that they switched to "debt collection" as a safer racket.
  • 0
    Reference
    I just received a call from Mr. Moody at my place of employment.  In his message he said that I was listed as a reference but a few seconds after that he claimed I was listed in a case against my sister.  He claims that she bounced a check in NY.  Not sure why he would leave so much information on my work voicemail, especially since I'm listed as a reference and she said she never gave him my work information.  He says he's from the Legal Dept of RJA Capital.  So I called my sister after reading these posts and told her to contact him and ask for everything in writing, because she has a credit advisor and this so-called debt is not even listed on her credit report.  I don't believe these folks and I sure hope he calls again so that I can light into him for calling my job with this crap.  I saved the message that he left and hopefully we can use that against him.  Thanks to all of you for posting your experiences with this organization.
  • 0
    marie sue
    I actually had a great experience with them. I explained my situation and they helped me out greatly!
  • 0
    Stacy
    | 4 replies
    I have been receiving repeated calls & voice mails from 607-213-8084 from a guy named John Campbell from RJA Capital Inc Arbitration department. I called the number back today & asked "John" what the issue was. He was threatening to send someone to my job (they are in New York, me in Mississippi) so my bosses know what a "loser" I am & that I m guilty of fraudulent activities.
    I nicely asked him to send any communication to me by mail, which he refused. I told him that was phone harassment, he said (while yelling) I was going to go to jail. I am going to call him every chance I get to see how he likes it. He has not answered my last few calls

    I know this is a scam. I have been scammed once before out of about $600 by a collections firm saying I had an online check advance I did not pay from about a year back. I believed them since they had ALL of my info... social security number, bank account info, etc. I have had online check advances before & I think that is how these scammers get our info to harass us.

    My attorney friend says you CAN NOT got to jail for debt in the US.

    DON"T PAY THESE PEOPLE ANYTHING!!!!!
    • 0
      john cambell replies to Stacy
      | 3 replies
      Stacey, whoever you are.....This is  "THE JOHN CAMBELL"...you're trying to defame...WHOEVER YOU ARE....you're a Liar!.....Never once would I have EVER said to you "you're going to jail"....so stop being dramatic, grow up! and be  responsible.....however I don't expect much from you and am not suprised at seeing this today...if you're going to defame me, make sure it's the truth!, Not Lies......and your "attorney" friend did not sign a contract and splurge in this situation at hand like you did, I'm sure...therefore your "attorney" friend will not be able to represent you in court....but I guess if you're soo quick to make lies such as this...them you're too impulsive to read contracts as well, and if you knew anything about the nuances of the court then you'd know I don't have to be in Missouri to process your paperwork from legal proceedings...DUMMY!
      • 0
        tj replies to john cambell
        If you are having any problems with these bozos, contact the New York Attorney General.
      • 0
        Johnathan replies to john cambell
        This guy is a fraud and acts like hes above everyone else...his life is to try to scare you into taking your money, its pretty sad actually...sad that he doesnt know any better.
      • 0
        Michael replies to john cambell
        To anyone reading this message, an actual debt collector would never be stupid enough to stalk you online and leave threatening messages about you on a public forum. This debt collection agency, which BTW now calls itself Bluestein, Hirsch and Associates LLC and operates out of Florida, is run by the [***] stupidest people on the planet.
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    kellykaos
    | 2 replies
    they just scammed my mother out of $500...they called trying to collect a debt on me, saying they were taking me to court if I didn't pay, they called harassing my brother as well.  they scared my mom so bad, she gave them her info and paid! I told her when I found out all the info I had looked up on these people and that they apparently have been giving everyone the same story...I read on the internet all these other stories that sounded exactly like what they told me and my mom...don't pay it!  Its a scam, I reported them..Now we have to change our phone numbers, our email and my mother has to dispute the charge to her credit card and get a new credit card, it's been such a hassle and an absolute nightmare!  don't let these [***] fool you...they're scum bags looking to make a quick buck on innocent people, innocent nice people like my mother who they scared into giving them money.  cowards if you ask me!
    • 0
      tj replies to kellykaos
      Goodfor your mom.  She can have her bank yank the money right back.

      File complaints with FTC, your state Attorney General, and the New York Attorney General.
      Your mom should file complaints as well, since they just racked up twice the violations.
    • 0
      Marizon replies to kellykaos
      Were you able to get your money back when you disputed it? I also gave them $400 out of fear. I tried to dispute with Bank of America but they said this is legitimate debt collector.
  • 0
    dee.a
    | 2 replies
    This company called me repeatedly on MY CELL and left voicemails saying that I was listed as a reference in a potential suit against my brother in law.  WTH??? This guy further went on to say that any information I would give them about his whereabouts and if I could relay a message to him to give his voluntary statement, would be greatly appreciated.  I could tell from the background noise it was a call center, eventhough his SCRIPTED message was intended to make me think they were some law firm.  Nice try guy....his messages are deleted and if he calls again....the only information I am giving them is my suggestion on where they can go F themselves!  I hate liars.  Can you tell?
    • 0
      DOESNT EVEN MATTER replies to dee.a
      | 1 reply
      By the sounds of the last 2 notes u 2 are scum bags, don't take out payday loans if you can't actually pay them back. Kinda sad that you sit there and want to complain cause u got a call. Duh what did you think you can just take money from whoever you want and never have to pay it back? Please don't be that stupid. And you know the loan your getting called about. And to whoever said collection agencies can not sue, your family member who is a lawyer is real stupid as well cause they can. Do something productive and pay your bills and make a better name for yourself! Pathetic!
      • 0
        Keeping A Closer Eye replies to DOESNT EVEN MATTER
        Typing in CAPS doesnt solidify the fact that your trying to scream on a screen. Your calling people stupid when you my dunce hat wearing friend seem as far from genius as you are from common sense. Try not to insult people that have been taken for a ride by these said scumbags and go back to shining your rolls royce "since us po folk have nothing better to do than just to beg for sympathy". Go sit your [***] down somewhere please...and do it expeditously.
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