I received a call from 714-598-4239 on my cell phone. Didn't answer it. Then I get a call from 000-012-3456 (how convenient). Again I didn't answer it, or bother with the voice mail until the same bogus number showed up on my work caller id. I listened to both messages, who seemed to have a thick accent and very mechanical. It tells me to call the 714 area code number back immediatly or face serious legal action, that they hope I choose what is in the best interest for me and my family, and God bless me.
So, I call back on the 714-598-4239 number. I ask the idiot what his name was and the name of the company that was threatening my family and myself. He asked me for the number I called from. Did some fake tapping and said Ms. B I need you to verify personal information like my Social Security Number, home and work address and bank account information. I told him I would give it to him if I could have all of his! I once again asked the company name and he told me FAA. Then when I asked why he was calling, he told me to "shut up and listen" as he read some BS Affidavit stating I have 3 charges against me for non-payment of a payday loan.
I told him that I repaid my loan, in full, have receipts and documentation from my bank showing that. He called me a liar and said he would not have the papers to have me "taken into custody" if that were the case. He then asked me if I was "the employer" of the company I work for and I laughed. He told me that I wont be laughing Monday morning when his "agents" come in, the explain to everyone in earshot that they were there to arrest me for fraud and other charges, escort me to the court house where I will have to pay over $9000.00 bail. So, then I get real fired up!
I told him that I work in the legal field and did collection work of over 10 years, and the threatening he was doing was illegal. He hung up on me. So I called back and demanded that he send me proof of the alleged debt to my fax or email. He refused and hung up on me. So, I called back. Funny I got the same guy, who tells me that I have three charges, and they are filing suit with my local court. So I asked, which is it, am I being sued, or being arrested? Stumbling over his words and frustrated he started screaming at me. I told him that he threatened me, hung up on me and now is screaming at me and no real business would do such a thing. I demanded on the telephone number to this loan company, or his supervisor. He tells me he is transferring me over to the debtor.
After a brief pause of putting his hand over the mouthpiece and not on hold, I get this guy "bruce" (oh - - none of them would give me their full names either!) After talking to this guy, he starts off that he is the loan company's rep but later reveals he is the first guy's supervisor. Then he tells me that I owe $1,189.56 for the late charges and past balance due. I tell him that I want a copy of a breakdown, you know the one that they HAD to file with the Court in the law suit, faxed or emailed to my me. He told me that they have sent me over 15 emails and I never responded. I told him that I never got them or they would have had a response from me as I would have them served with a lawsuit as I repaid them. He tells me that I was out of line and the documents would be sent to me AFTER I pay! BS!!!
So, I argue with him that I work in the legal field and have for over 18 years and I have the right, by law, to dispute a debt and demand documentation/proof of the debt. He argued with me and told me he was not sending me anything and I should speak to "his attorney". I told him I would be delighted to so I could advise him of his workers placing his license to practice at jeopardy as I would not only contact the California Bar Association, but the BBB, FTC. Office of the State's Attorney for California and Maryland, and everyone else I can find. He asked what that was supposed to mean and I told him point blank in my state, this so called FAA company has broken several laws for creditors/debtors rights, including:
1. Contact you at unreasonable places or times unless you agree; I DIDN'T
2. Contact you so often as to constitute harassment; THEY DID YOU CALL ONCE, LEAVE A MESSAGE AND WAIT!
3. Contact you at work if they know your employer disapproves of personal calls; THEY DID
4. Reveal your indebtedness to anyone except you and your lawyer in most cases, although they can contact others to find out where you live and work; THEY THREATENED TO
5. Threaten violence or harm against you, your reputation or property; SEE ABOVE
6. Use obscene or grossly abusive language; OOPS THAT WAS ME!
He then told me that he was "goverened by the Federal Government" and I told him, not according to the BBB, and the Office of the State's Attorney in California where his area code stated he was from... Which now leads to the law of: [D]ebt collectors may not misrepresent the truth. For example, they may not use a false company or creditor name, or give out untrue credit information about you. They can't falsely imply you've committed a crime, or say you'll be arrested if you don't pay, indicate papers are legal or government documents when they are not, or threaten to garnish your wages or take your home or possessions without a court judgment, except in the cases of federally guaranteed student loans that are in default.
So, I asked to be patched through to this so called attorney and low and behold I was hung up on again. Funny thing is, they WILL NOT take my calls now! I have called back several times and get transferred over to a fax machine or get this same guy trying to disquise his voice and ultimately hung up on when I ask to sepeak to the attorney. I tried the other numbers listed here 415-200-0257 714-312-5854 (straight to a fax) 818-451-4038 717-395-9248 (immeidately asks for pin access code) If this is a "business" or agency that represents the Feds, then why is there no receptionist, no voice mail, why do I echo everytime I did talk to them, why does every one have thick accents, why is there no 800 number, why are there so many different numbers, why is it so difficult to get a straight answer or piece of paper?
So, I called the loan company and talked to their head supervior. I was informed that they know about this and have provided their workers with a flyer to alert their clients. They have contacted the authorities in California, and all states with the above area codes. They instructed me to contact the State's Attorney for CA and MD, file a complaint with BBB, file a complaint with FTC at FTC.com, contact all credit bureaus, and contact Home Land Security at 989-497-0580. This scam is operated by people from India. They assured me that their computer systems were not tampered with, yet this scum bag had all my info, including bank account number, social security number, best friends name and number. She explained that when you fill out those forms that state "let us find you a loan" that is where they get this information.
I am now on my way over to the California and Maryland State's Attorney web site to file a complaint, BBB to file a complaint, call my bank and credit bureaus, pay a skip tracer to get me the carrier of the phone number so that I can file a complaint with them for their subscriber using their services for scams and threats (although I am sure they are all prepaid, throw away ones), call my carrier and complain of phone harassment and then file my own little law suit against them for violation of debtors rights and what ever else I can find!!!
DO NOT give these people any info!!! Don't let them scare you into "being arrested". It is absolutely against the law what they are doing. And trust me when I tell you that if these scum bags are found, I will hire an attorney to help me file whatever lawsuit I can against them (my firm doesn't do that). DO let them scare you into contacting the credit bureaus and banks with the fact that they DO have your personal information!!!
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