Complaint / Review
First Credit Of America, Alyon Technology, John Puckett
Harassing debt collection on bogus adult website charges chicago illinois

On 10/4/05 I received a voicemail message to return a call regarding an outstanding debt collection. I spoke to a person named John Puckett who told me their client, Alyon Technology (a billing tracking service), had sent a collection notice to them about me. He said I owed $122.25 for a "Bill Me Later" charge for visiting an adult website dated 4/8. He said they have been trying to track me down since 5/28 and he wanted me to makes arrangements to settle for $75.00 by giving him a credit card over the phone. I denied ever visiting an adult website of this nature but he continued to want to settle before "an embarrassing report was on my credit report".

I continued to deny any wrongdoing and do not owe this company any money. He proceeded to tell me that if I did not settle this matter that they have offices in India and somewhere else and I will continue to receive these phone calls day and night. He then said I could make this all go away for the settlement of $75.00. He said I would have 24 hours to get back him otherwise he would be sending the issue "upstairs" and it would be submitted to the credit bureaus.

I felt like this was a scam and I began to ask him questions regarding the company and wanted to speak to his supervisor which he told me he does not have a supervisor and he reports to all three credit bureaus. I told him that was crazy and he proceed to explain something I could not understand and then we disconnected. After visiting the website usacomplaints.com, I found that this bogus company has been trying to extort and blackmail other people all over the country. I am concerned that they could try and put a bogus inquiry on my credit report and have made arrangements with all three credit bureaus to have potential fraud status placed on my social security number. I have filed a formal complaints with the Federal Trade Commission, Illinois and North Carolina Attorney General offices.in addition, I will be sending First Credit of America, via certified mail with a required signature, a Cease and Desist Letter.