OFFICER ROBERT RICHMAN
Complaint
colleen mitchell
Country: United States
ROBERT RICHMAN called my dads house today and left a message to call him so i did he told me he was an officer of the fbi and i took out a pay day loan in march of 2007 he said eme marketing didnt want to play games and to pay them or i will need a lawyer and go to jail then he goes to tell me if i dont pay triple what was borrowed they will take all i own
Comments
THIS IS WHAT THEY CALL AN INDIAN SCAM. THEY R USING SCARING TACTICS TO SCARE U INTO GIVING THEM MONEY. COME ON FOLKS THINK OK. AND GIVING OUT AMERICAN NAMES WHEN THE SOUND LIKE APU FROM THE SIMOSONS.
I TOLD ONE ROBERT WOODS AKA CALVIN WHITE AKA ROBERT WOLF AKA WHATEVER NAME HE IS THIS WEEK TO GO [***] A COW. AND IF HE DID NOT STOP WELL THEN I SCHOOL HIM ON THE LAW CAUSE I AM A LAW STUDENTq
If he physically confronts or threatens you, or prevents you from leaving, call the cops.
They can charge him with assault.
Get a restraining order.
Legitimate collection agencies or law firms usually have complaints back months to years.
These guys look like crooks with a Magic Jack.
https://800notes.com/Phone.aspx/1-214-666-8419
Profile is consistent with fraudulent "debt collection" shakedown.
If the accent is American, the caller is probably with a sleazy US collection agency, maybe in the Buffalo NY area, although there are clusters of similar scam debt collectors in Georgia, Florida, and southern California..
Fraud indicators:
1) allegedly a "court notification" was sent, yet you've received nothing.
2) "pursuing criminal charges for bank fraud" is the "payday loan" scammers favorite threat.
3) Doesn't match any real "loan"
4) "collection agency" can't be located
5) Supposedly some "judge" has "signed a warrant" and "deputies are coming to your place of employement to arrest you"
6) The loan you had was discharged in bankruptcy.
That's +6 on the fraud index.
If this "debt" has similarities to a real, discharged loan, then the "debt" might have been sold off to sleazeballs who bought it for pennies thinking they could extort it out of you. If not, they are just scammers trying to pretend you owe them some old "debt" you might remember, and they will try to con you into thinking you owe it to them and paying them.
Lying swindlers running a phone shakedown con.
Open an account at a credit union.
This has become a very common scam, where crooks just call up people, threaten them and attempt to con them into believing the alleged "debt" they are collecting is some old loan. With the threats, they often get money without providing any proof at all that they are owed, and with just running with whatever the shocked victim starts asking about some old "debt".
Legitimate debt collectors don't make illegal threats, and they send a letter within 5 days notifying the alleged debtor of the alleged debt, and of their right to dispute and request proof, as required by FDCPA.
The fakes harass, make illegal threats, threaten "arrest", "prosecution for bank fraud", or some "lawsuit", play "detective", "investigator", or "attorney", and answer demands for proof with more threats, while hiding their location.
Most of these threatening "debt collectors" are committing fraud, either faking the alleged "debt" in a con like above, or collecting and pocketing the money, then "selling" off the full "debt" to some other crook to repeat the process. Or they might be conning victims into paying much more than is even owed. It's so common they even have a name for it: "spiff money".
If they won't send you the required letter, they are fakes.
If they send it, send a reply letter disputing the alleged debt and demanding proof you owe it.
If they won't provide their address, they are hiding from prosecution or lawsuits.
You can also call the original lender, and find out if they sold the account off to some collection agency, and if so which one.
Or contact your state Attorney General. You might be in a state where payday lending is illegal, or the lender might have been unlicensed and the loan illegal. Or these "debt collectors" may be violating state licensing and bonding laws.
Not for taxes, not for customs, not for transfers or processing!
Beware of any "lender" you do not meet in person!
Too many nonsense claims to count (and I wouldn't want to teach them to be better at it).
"Cargo Cult" mentality as well.