This call was about a debt collection from a payday loan that was credited to an account by CMG Group, LLC. There have been several online complaints about this company--claiming it is a scam, and based on my experience--I believe it is a scam.
I NEVER applied for a loan with this company, two years ago, even though money was deposited into my account and later debited for an even higher amount. Now, this company calls me telling me I have charges that "may" potentially get filed against me and I will be sued and taken to court. The money was deposited into an already negative account (from a separate fraudulent check experience), so when my bank wouldn't/couldn't return the money the payday loan company threatened to sue--two years later I am still getting calls, they have my social security number, I constantly get calls from other numbers saying I'm approved for loans (that I haven't applied for)..
I had two calls in a day, the number she gave me to call back (listed at the top) has had several complains as well..so, these numbers are one in the same.
I called back after speaking with someone earlier in the day and said I have a lawyer whom I have representing me for this "debt" (because I never applied for it in the first place: see similar experience here
http://forums.debtcc.com/paydayloan/licensed-lender.html )
The person was polite with me, but when I first said I had a lawyer was told the account was closed, and then put on hold, apologized to saying there was a technical difficulty, and that the account still has a balance--but, they refuse to speak with my attorney about it, even though it specifically states below that an attorney may represent the consumer about such debts (see below)
The FDCPA protects consumers from deceptive and abusive debt collection practices by third party debt collectors. A debt collector may not communicate with a consumer in connection with the collection of any debt:
(1) At any unusual time or place. In other words, a debt collector may not call a consumer before 8:00 a.m. or after 9:00 p.m. in the consumer's time zone, NOT the debt collectors time zone.
(2) If the debt collector knows the consumer is represented by an attorney with respect to such debt.
(3) At the consumer's place of employment if the debt collector has been informed that the consumer's employer prohibits the him or her from receiving such calls.
(4) Without the prior consent of the consumer or the express permission of a court a debt collector may not communicate the details of any debt, with any person other than a consumer or his attorney.
Overall, this has been extremely scary because I don't want to end up in court over a loan I never consented for in the first place. They have my address and other personal information and the threats are very serious. They said it would all go away if I just gave them my credit card information then and there to set up a payment date. When I said I did not feel comfortable, she said that's fine. Left the door open to call back and voluntarily resolve the issue...
It has been back and forth, back and forth, and ultimately my gut says don't trust any calls from this number, and also report if you've experienced similar things with the payday loan company mentioned.
This call was about a debt collection from a payday loan that was credited to an account by CMG Group, LLC. There have been several online complaints about this company--claiming it is a scam, and based on my experience--I believe it is a scam.
I NEVER applied for a loan with this company, two years ago, even though money was deposited into my account and later debited for an even higher amount. Now, this company calls me telling me I have charges that "may" potentially get filed against me and I will be sued and taken to court. The money was deposited into an already negative account (from a separate fraudulent check experience), so when my bank wouldn't/couldn't return the money the payday loan company threatened to sue--two years later I am still getting calls, they have my social security number, I constantly get calls from other numbers saying I'm approved for loans (that I haven't applied for)..
I had two calls in a day, the number she gave me to call back (listed at the top) has had several complains as well..so, these numbers are one in the same.
I called back after speaking with someone earlier in the day and said I have a lawyer whom I have representing me for this "debt" (because I never applied for it in the first place: see similar experience here
http://forums.debtcc.com/paydayloan/licensed-lender.html )
The person was polite with me, but when I first said I had a lawyer was told the account was closed, and then put on hold, apologized to saying there was a technical difficulty, and that the account still has a balance--but, they refuse to speak with my attorney about it, even though it specifically states below that an attorney may represent the consumer about such debts (see below)
The FDCPA protects consumers from deceptive and abusive debt collection practices by third party debt collectors. A debt collector may not communicate with a consumer in connection with the collection of any debt:
(1) At any unusual time or place. In other words, a debt collector may not call a consumer before 8:00 a.m. or after 9:00 p.m. in the consumer's time zone, NOT the debt collectors time zone.
(2) If the debt collector knows the consumer is represented by an attorney with respect to such debt.
(3) At the consumer's place of employment if the debt collector has been informed that the consumer's employer prohibits the him or her from receiving such calls.
(4) Without the prior consent of the consumer or the express permission of a court a debt collector may not communicate the details of any debt, with any person other than a consumer or his attorney.
Overall, this has been extremely scary because I don't want to end up in court over a loan I never consented for in the first place. They have my address and other personal information and the threats are very serious. They said it would all go away if I just gave them my credit card information then and there to set up a payment date. When I said I did not feel comfortable, she said that's fine. Left the door open to call back and voluntarily resolve the issue...
It has been back and forth, back and forth, and ultimately my gut says don't trust any calls from this number, and also report if you've experienced similar things with the payday loan company mentioned.