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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    Mike
    | 4 replies
    I got a call today from a mike Jacobs he was very rude and said I was going to get served I'm n San Diego he's in new York any one get a call from this guy   I have no debt he called my brother about me too
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      tj replies to Mike
      | 1 reply
      Pretending you have been sued when no lawsuit has or will be filed is deceptive, and violates FDCPA.

      Contact the New York Attorney General to report their antics.
      • 0
        Mike replies to tj
        What can or will they do.
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      Jae replies to Mike
      | 1 reply
      I got a call from Mike.  He basically states that I would be sued for three times the amount for court and lawyer fees.  Apparently, I owe approximately $1000 for a debt that was originally $350.  I thought this was paid off, but the finance charge from my final payment was missed and this grew from $3.50 to $1000 over the span of eight years?  I understand that they purchased my debt and they have to tack on their fees for collecting my debt, but this is RIDICULOUS!  Mike tried to remain professional with me by trying to make me look very guilty of my financial irresponsibility.  He is very aggressive and uses tactics to guilt you into pulling out your debit card.
      • 0
        tj replies to Jae
        Maybe you thought it was paid off because it WAS paid off.

        If it wasn't, then why didn't the lender come calling when your next payment was missed, rather than these bozos showing up YEARS LATER, conveniently demanding YEARS of compounded interest at outrageous rates?

        Maybe you owe nothing at all, and they just bought old loan data out the back door of some payday lender, either from an inside employee making a few extra bucks, or because it went bust and someone grabbed the records as they were headed to the trash.  Several people were convicted of exactly this a couple years ago, and they were from Buffalo, just like these phone thugs.

        In most states (including NY) 8 years is past SOL, and they can't sue.  Check with your state AG to find out what your state's SOL is on this type of debt.  It's illegal for them to threaten a lawsuit if they can't or don't sue, so if it's past SOL, they've already violated FDCPA by their threats.

        8 years is also past the 7.5 year FCRA reporting period, so they can't report against your credit reports.
        That may be coincidence, or a deliberate choice in a scam script, intended as response to your likely question "why isn't this showing on my credit reports?"

        You may only think they are collecting on some old loan.  These shakedown scams often weave their scripts so loosely that they are trying to get the victim to think it's some old loan they remember, then when you ask about it, they use those :"details" to petend it's that "loan".
         
        "Collections shakedown" is a con, and those engaged in it are generally smooth-talking liars.

        They are showing too many consumer complaints suggesting outright fraud to take anything they say at face value.  Never pay any debt collector who can't prove the debt is owed.  If they make illegal threats, or attempt to deceive you into paying without proof, contact an attorney.  You can find a consumer attorney in your state through www.naca.net
  • 0
    James
    | 1 reply
    These peple called my wifw a few months ago and threatened and bullied her into making bi weekly paymet of $100 to them. They today took out $150, so I decided to look them up and found all of this information. I really feel as though we are being scammed, they called on a legitimate debt that we carry so that is why my wife gave them our information. Im not sure what to do at this point, any advice?
    • 0
      tj replies to James
      Is the debt you beleive this is, past SOL?
      Is it showing on your credit reports?
      What type of debt, and when did you make the last payment?
      Was it a payday loan?
      If so, was the lender licensed to lend in your state?
      (Check with your state Attorney General.)

      Contact the original creditor.

      You should be able to find who owns the debt now if they sold it, or what collection agency is representing them (if any) if they didn't.
  • 0
    Scully
    They called me too and told told me if i didnt pay,  there would be an arrest warrant issued and i would be arrested.  That did not seem right so I thought I would google that company and I found this page which makes perfect sense, they are nothing but crooks or so it seems...I almost agreed to giving out my bank account number and pay a debt that I do have but I really would not have been paying that debt, and they probably could have helped themselves to my account whenever they felt like doing so.....Very, very scary...
  • 0
    KM
    Mr Mooney called my ex-wife "looking for me so they can serve me papers for a lawsuit against me", when I called this thug back, I asked him to forward me a copy of the loan documents that I signed because I didn't recognize the lender he said I wed money to, he told me they would provide that in court, I then gave him the information to contact my attorney, he called my attorney gave him some nonsense, then called me back to tell me "it's too late for me to bring in my attorney, and if I didn't settle with him now, I would be sued" , I told him knock yourself out, I will see you in court.

    I wish he was local, I love to meet him, and kick the crap out of him.
  • 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.
    • 0
      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!
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