Harrassment and Terroristic threats
Complaint
Francine Fedin
Country: United States
I am constantly receiving harrassing phone calls from this Co. looking for Debbie White. She used my name as a reference whithout my knowledge so this co calls me...I repeataly told them to stop, they told me that they are going to come out and arrest me,, Yesterday 4/8/2010 they called and said that they are taking me to court..this has been an ongoing problem. I want it to stop NOW, here are the numbers 1-949-502-0123, 1-916-458-5665, 426-606-3786...
Comments
I was told that they wanted me to issue a payment for $521.00. I stated that I was not aware of this debt and did not want to get in any trouble. They gave me a file number CW1712 and told me to call 786 533 3033 and speak to a rep to clear this up. I spoke to a Scott Snyder and he eventually transferred me to another person Neil Johnson ( all these individuals have Indian Accents) he gave me a file number CW1820.
This made me suspicious, they were badgering and threatening to get me arrested for fraud for 10months. I stated to them ok, I will send the payment in but it seems that it’s a scam and would like them to send me proof of the debt. They stated that they have debts outstanding for people since 2007 and that they can easily hang up and I can just go to jail. I stated that I never had an issue with a Payday loan before and if this was from 2009 why is that I never received a letter to my home stating that I had this debt or being sued by the debtor?. They started saying we can hang up and you can deal with this issue in court with our attorneys.
I said ok, let me know what I have to do, then they told me to send them a letter to a fax 508 438 9824 Attn. Neil Johnson stating that I My Name , with holding Social Security ******, authorize to deduct $521.00on Feb 15th 2011 with my prepaid visa card and to send a copy of my Driver's License. I stated ok, will do.
Still not confident that these people were legit, I researched Paydayloan1 and called their client service dept at 866 580 1226 ( Rochelle) who informed me that this was a scam and to do not send any payments in and that I have never been a client of their organization. I also called my bank and stated that I needed to check my account to see if I had any transaction from June 2009 from this company, they stated no.
I called the 760 -383 -1867 number back and got a Daniel White, I requested the company name and he advised it was American Division Law. I stated that I was trying to get Rachel Maxwell to mail the payment, he was no way she would never tell you to send via a Check. They switch me back to Neil Johnson and I stated that I was not employed at that time, my bank shows no sign of this transaction, the company is stating that they never heard of me and I would pay the debt but would fight it after because maybe I am a victim of Identity Theft. They place me on hold and eventually hung up on me. I attempted to call both numbers at least 5 times and kept on getting a message that the voicemail was full and the line was eventually busy.
This is a well known phony "payday loan debt collection" extortion racket run from India. They are just a bunch of criminals with phones who have gotten access to U.S. consumer credit and identity information and are using it to con people out of money they don't owe.
There is no "American Law Division", and none of their names are real either. Their phone numbers keep changing as well.
They are not "attorneys", "investigators", "prosecutors", law enforcement of any kind, and they cannot "arrest", "jail", "prosecute", or "sue". They are criminals making illegal threats, which is all they can do unless you give them access to your money.
If you gave them your account number, contact your bank immediately to close the account due to impending fraudulent transactions. If they run through a charge, dispute it as fraudulent with your bank, and follow up with a written fraud affidavit.
File complaints with your local police and the FBI.
Currently, half of the complaints against debt collectors on this site are complaints of this type of scam. You should NEVER trust any caller claiming you owe them money.
Legitimate debt collectors will comply with federal and state law, which prohibits harassment, abuse, threats, and deception in collecting debts. They will also send you a letter within 5 days of their first contact identifying the alleged creditor and amount due, and notifying you of your right to dispute and request proof of the debt.
If you request that proof within 30 days, they are required to cease all collection activity until they obtain it from the original creditor and send it to you. Regardless, failing to dispute or request validation may not be considered by any court to substantiate any debt, and does not make an unowed debt owed.
These criminals are overseas, probably India or Pakistan, so there is not much point trying to sue them, but if you are having problems with a U.S. based debt collector, you might benefit from the assistance of a consumer attorney. You might try www.naca.net
In addition, contact a local TV or newspaper consumer reporter. The more people know it's a scam, the fewer people they can con.
https://800notes.com/Phone.aspx/1-786-533-3033
https://whocallsme.com/Phone-Number.aspx/7865333033
1) Their phone provider. They may be using VoIP, but most likely use the same carrier even though they may change phone numbers frequently.
2) Their method of getting the money transferred.
If the scam got that far, how did they say payment should be sent?
Western Union?
MoneyGram?
Other?
I think this is a call center, but sounds fishy to me? Are these tactics legal?
If you find out how they want the money sent, please post.