I have received a call from 210 762 5322 from Texas and I believe is from Houston . They claim they are API investigative service, and probably call people to tell them they own money from a cash payday money they have in their name . They threatening law suit, but I know it is bogus. I call back and the girl said hold on and the guys pick up the phone and ask me for my name I refused to give him and he insulted me .
this company calls me once a day. i pick up and let them talk to them self for a while. i may be looking into getting an attorney to get back at these scammers. its horrible what they do to people and it is very illegal. ignore them or have some fun and just play dumb and keep them on the phone for a while. they want to waste our time, its time we waste theirs. :)
these people have called me several times. the number they are using now is 210-762-5322. They tell me I owe a PayDay loan. My husband makes 200k a year and I don't work so I would not even qualify for a Pay DAy loan. They are rude and smart alexs. Of course the Texas Phone number does not mean anything since you can purchase lots of plans now and use any state and town you wish as your location. These people should be caught and prosecuted. A little time in jail would do them good. If I could find out who and where they are I would contact the state attorney and the attorney general to find out how to prosecute them. I have returned the call to this sassy rude b---- and begged her to tell me her location so I could come in and talk to her. Of course she hung up.
Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?
The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:
is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.