Been receiving multiple phone calls a day for weeks from this apparently “spoofed” number. When they couldn’t reach me (despite refusing to leave any voicemails) they called my wife’s number and when she answered, gave her a “File number” and a second phone number for me to call about an alleged “legal complaint” against me. Caller wouldn’t give her any details, claimed to be with a 3rd party collector called Allied.
How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:
The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.
The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.
The debt collector refuses to give you a mailing address or phone number.
The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:
Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.
Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.
Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.
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 the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
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. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.
Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.
Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.
Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).
iQor HOLDINGS US, INC.
Other company names used: ALLIED INTERSTATE, LLC., ALLIED INTERNATIONAL, ALLIED GLOBAL HOLDING, THE RECEIVABLES MANAGEMENT SERVICES CORPORTATION (RMS)
Posted in: http://800notes.com/Phone.aspx/1-800-410-4391/5
http://800notes.com/Phone.aspx/1-866-383-5141
http://800notes.com/Phone.aspx/1-973-796-5994/2
http://800notes.com/Phone.aspx/1-877-677-7371/3
http://800notes.com/Phone.aspx/1-614-948-4953
http://800notes.com/Phone.aspx/1-877-488-3619
http://800notes.com/Phone.aspx/1-214-628-5832
I have to wonder why an allegedly “legitimate” business would need so many different numbers to call people from.
Web site for Allied interstate and iQor do not give physical locations.
iQor:
BBB page has 67 complaints, 1 negative review, an alert about the Canadian government slapping them, and they still get an A-????: http://www.bbb.org/kitchener/business-reviews ... onto-on-1030626
ALLIED INTERSTATE:
BBB page gives them an A+ with 427 complaints and 18 negative reviews and that they have a pattern of complaints of violating Federal and State laws???? http://www.bbb.org/centralohio/business-revie ... ny-oh-70000915/
ALLIED INTERNATIONAL:
BBB page for Allied International showing them as an accredited business with an A+ rating and 36 complaints: http://www.bbb.org/kitchener/business-reviews ... market-on-10622
Their web site shows them located in Ontario: http://www.aiccorp.com/about/locations_contact/
Bizapedia page shows them as a Delaware corporation: http://www.bizapedia.com/ak/ALLIED-INTERNATIONAL-CREDIT-CORP-US.html
ALLIED GLOBAL HOLDINGS:
A list of the head criminals: http://www.bloomberg.com/research/stocks/private/people.asp?privcapId=6710370
LinkedIn page showing them in Arizona: https://www.linkedin.com/company/allied-global-holdings-inc-
This one shows them in Ontario: http://www.hoovers.com/company-information/cs ... be1228d4e9.html
Looks like they also own Recovery Bureau of America: http://www.insidearm.com/uncategorized/allied ... lection-agency/
RECEIVABLES MANAGEMENT SERVICES CORPORATION: Website lists no physical address.
BBB page gives them an A- with 69 complaints: http://www.bbb.org/washington-dc-eastern-pa/b ... m-pa-213547092/
Government actions:
https://www.ftc.gov/news-events/press-release ... tle-ftc-charges
Other complaints
707 complaints here: http://allied-interstate.pissedconsumer.com/
http://www.ripoffreport.com/reports/directory/allied-interstate
All in all this seems extremely suspect, having so many business names, and so many violations of the FDCPA.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
Additional information for filing complaints:.
COLORADO: A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL.GOV/CA. Allied Interstate LLC can be reached within Colorado at 13111 E. Briarwood Avenue, #340, Centennial, CO and at telephone number 303-309-3839.
Massachusetts residents may contact our office 5230 Washington St., West Roxbury, MA 02132 between 8AM and 8PM ET.
MINNESOTA: This Collection Agency is licensed by the Minnesota Department of Commerce.
NEW YORK CITY: New York City Department of Consumer Affairs license numbers: 1140302, 1173635, 1140115, 1140113, 1140304, 1140551, 1140554, 1140555, 0933734, 1168335, 1140606, 1140607, 1140608, 1248312, 1248315.
NORTH CAROLINA: North Carolina Department Insurance Permit No.: 3709, 3683, 3738, 917, 3715, 3740, 3741, 1061, 4379, 3736, 4433, 4461, 4432.
OHIO: If you have a complaint about the way we are collecting your debt, please contact the Ohio Attorney General’s Office online at www.ohioattorneygeneral.gov; by telephone at 1-800-282-0515 between the hours of 8 A.M. to 7 P.M. Eastern Time, Monday through Friday; or by mail at 30 E. Broad St., 14th Floor, Columbus, OH 43215.
TENNESSEE: This collection agency is licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance.
WISCONSIN: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.