Keep on calling stating that i signed a fraud check and that i owe money to loan.com and that they will contact my county clerk to submit such case if i dont respond within 72 hours. This has been going on since 2011 and nothing has happened so far. They do have all of my personal information, SSN, Name and Phone Number. Even parents and significant other numbers.
One important thing to remember if these losers have any of your personal information such as your social security number, date of birth or drivers license make sure you register with identity protection notify the credit agencies as well as your banks!!
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credit reports: Experian, Equifax, TransUnion
http://www.consumer.ftc.gov/articles/0155-free-credit-reports
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How to see if your on the chex system list:
http://www.wikihow.com/See-if-You-Are-on-Chexsystems-List
A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
Just got a phone call from theses people saying that they are the patterson group and that there a mediator company. And that i owe quick payday money for a load that i got denied. i never got any money from quick payday. they have my ss# and my name and phone number even my sisters name BUT and yes there is a BUT they have the wrong address. not only wrong address but not even in my state lol. this been going on since 2006.