Scam
Complaint
Gizelle
Country: United States
Someone just called stating they would be out to "serve" me papers due to an upaid check that is on file with this "National Check Affiliates" company. I began to ask the caller many questions. I stated that if someone was going to be served, it would be through the county court, not a third party. This person then kept suggesting I call National Check Affilates. I did, and constantly got voicemail. I remembered hearing about companies who go through old debt and attempt to collect monies buy using threats. I told the guy this was a scam and he became extremely annoyed. Needless to say, he got nowhere with me, and let's just say, he's the one who ended up with a threat. Be careful people!!!
Comments
"Anthony" and "harold" posted within 10 minutes of each other.
"arbitration firm" is a "debt collection shakedown" euphemism to imply they are a "law firm" without saying it so clearly that some state bar association goes after them for UPL.
The reason to use such deception is to use implied threats to evade FDCPA validation.
Simple profiles pick you up, and Google finds you wherever you go.
Go pick another line of work.
Suggest you do your homework, and read up on analytic thinking and intelligence analysis.
http://www.thinkersworkshop.com/mmjvideo.html
Give em hell !!
Early deductive reasoning 101. We don't need no stinking VoP CID #s. Old school C.B. tech, and your dumb ass scammer voice recording will do.
Or work from a profile, and search on what should exist based on similar profiles.
Google is a massive net, that screens the chatter of the world.
https://complaintwire.org/complaint/QRmNc7urJwU/nca-national-check-affiliates
"Anthony
26 Mar 2012
everybody has something to say about any company that asks them to pay back something they owe. i got a call about a check for my mortgage and spoke with them and it wasn't something i could pay back. go to their website first"
It was lame then, and it's lame now.
Idiot Shill.
Also highly recommended:
http://analytic-advantage.com/courses.html
You're lazy. You deserve your life
https://complaintwire.org/complaint/QRmNc7urJwU/nca-national-check-affiliates
Not including the Indian fake "payday loan debt collection scams, they are run from various parts of the country, and show up connected to southern California, Florida (particularly the Jacksonville area), and particularly, Buffalo NY, like this one. You can find a 2009 Dateline expose on one of these, the Boyland group, run by an ex-con who was then sent back to prison by the NY AG on weapons posession charges.
This particular one just started showing up in recent consumer complaints, but appears to be connected to an older one also in the Buffalo area, which was sanctioned and fined by the NY AG about a year ago.
On a historical note, the mob-connected fraudulent telemarketers in the Buffalo area got nailed by the FBI back in the mid-1990s, for conning retired people around the country with fake "investment" and "contest" scams, so they switched to these "debt collection" scams as a safer racket, using cheaply bought really old debt portfolios as cover for calling and threatening anyone they wanted to. Ever since, Buffalo has been a center of a cluster of these "process server"/"debt collection" scams.
They routinely violate federal and state debt collection laws, specifically FDCPA. These "process server" debt collection cons are aimed specifically at evading consumers' FDCPA validation rights, and often are indicators of fraudulent collection of unowed, even faked, "debt". Because they use threats, often including threats implying "lawsuits", "arrest", or "prosecution", they may result in defrauding even people who do not owe anything at all.
Since no validation of the debt is ever provided, indeed they go to great lengths to evade it, there is no way to know if the "debt" is owed", whether it is accurate, whether they have just made up and added additional "fees", and whether it is really owed to these crooks. They are basically cons and extortion rackets, not legal debt collection.
I jumped in because the nature of the posts is consistent with the common profile for this type of fraudulent and illegal debt collectiion racket. If I had not, probably someone else would have posted a warning. This type of scam is really well known, and "shill" posts do not last long on many complaint sites without being answered.
Not only do they typically pretend to be "process servers", but they also post "shill" posts on the various consumer complaint sites, attempting to create the impression they are "legitimate", that they "file lawsuits", or whatever their current story is. This same pattern, "process server" calls, often threatening through relatives or employers, making illegal threats of "lawsuits" or "prosecution for fraud", no real "lawsuit", never validating, and "shill" posts, shows up in connection with all these collection rackets, as if they are all reading from the same playbook.
You need to realize that in a world where lying and cheating pays, there are people who lie and cheat.
Someone calls you on the phone, even if they have your SSN, and even if some "debt" sounds like an old account, it's "proof" of nothing.
Debt collectors are required by FDCPA to send a "g" letter, mailed within 5 days of first contact, notifying the consumer of the alleged debt, and of their right to dispute and request validation. Instead of honoring their legal obligation to accept disputes and provide validation, these "process server" scams instead substitute threats of some "lawsuit", to deflect consumers from disputing, and often resulting in fraud if consumers pay some fake "debt" they don't actually owe..
It is a violation of FDCPA for a debt collector to engage in deceptive collection. It is also a violation to threaten to take any action they can't or don't intend to take. They call making threats, pretending to be a "process server" and pretending there is some "lawsuit". Consumers report that on checking with their local courthouse, there is no lawsuit. If there was, you would actually be served a summons, but hundreds of complaints about these scams report there is never any summons, and scripts recovered by FTC in raids of these scam boiler rooms outline a carefully crafted plan to con money out of people even when it isn't owed.
You may believe you owe some "debt", but you can't know if you owe it to these sharks, unless they can produce validation documenting the debt obtained directly from the original creditor. That is why FDCPA provides this consumer right, and when you find someone demanding payment who will not comply with FDCPA, you have to ask why, especiallly when they could be sued for violations.
What you usually find is these low-life bottom feeders, who lie and cheat on the phone, make illegal threats, and hide behind mail drops and layered shell corporations to evade lawsuits. There is no way to even know who you are dealing with, and certainly no way to ensure that if you paid them, someone else might not come along later and demand to be paid again. You might even be paying someone else's debt, or one that they just trumped up using your own credit reports.
If you pulled your own credit reports, you will probably find that they pulled one recently as well. That alone would give them enough information to pretend you "owe" them for any account they find there, and there is no way to make sure you actually owe them, and not someone else, or even how much you owe, without validation.
Don't believe me? Why don't you give FTC a call and see what they say.
You can reach them, here:
http://www.ftc.gov/ftc/contact.shtm
1-877-FTC-HELP (1-877-382-4357);
They have been going after these various crooked "debt collection" scams for years.
Bet they tell you to demand validation, and not to pay without it.
Bet they also tell you to file a complaint.
Their goal is deception, to aid the main deceptive scheme, and that is most effective when the deceptive perception is woven into what might sound plausible.
What makes them stand out from normal posts is that they are written to focus on their goal of passing off some false information as if it was real, often including spurious "details" to try to sound real, but with aspects that don't fit reality. For example, they may be trying to portray some sort of settlement letter from a debt collector as if it is a normal debt collection practice, like it is validation, when it isn't validation and proves nothing.
When you've seen a bunch, they are really easy to spot, often by their mistakes, or their goals. Shills are not "rocket scientists".