Andrew Lawson/Michael Stevens(Stephens)/Michael McDermott/Jessica from Banking/Jeremy Poehler:
This letter is in reference to your fraudulent and illegal practice to collect a debt that you do not own. You have made several harassing phone calls to me beginning earlier in March of 2012. In March when you called my place of employment you threatened with federal charges and
You are violating the Privacy Act, Fair Debt Collection Act and are ingaging in fraud to illegally attempt to collect a debt owned by another company.
You have ordered me to give you my credit card information before validating the debt that I told you I disputed. You refused to send me any debt verification and proof that you own this debt as requsteed by me. I have told you not to contact me at my place of employment and only by mail until you verify the debt you are fraudulently and illegal trying to collect. You scare and threat tactic is illegal and it is also illegal to threaten with federal charges and arrest. Your supposed recorded phone call should prove all this. I told you I did not know who you were and would not give you my credit card info on the phone until the debt was verified.The original debt owed is $350. Not $ 791.00 or $1800 as you claim.
Then on October 10, 2012 you had a Michael Stevens or Stephens call my federal place of employment because I told you not to call my place of employment Michael Stevens was impersonatind a summons server, whom had no contact number for me to call back.
The impersonator told me that he had to serve a summons for Burlington County to an employee and needed to know what the procedure was in admin to serve an employee at work. I was told that the employee was me.
I tried to make some kind of arrangement with your company at 315-679-4492
First I was told to call. At first the gentlemen told me that it was to late the Judgement was for $1800 and I would have to pay it through work garneshment. Then I tried to get you to accept a settlement or payments. I was told that If I could pay the $ 791.83 today (10/10/12) that the matter would be settled. I told you I could not pay anything until Saturday and that I could pay 2-3 payments of $263.94. You told me that you would have to check with the legal section.. This went back and forth until I got to talk to Andrew Lawson who I am sure contacted me and threatened, harassed and ordered me to give him my financial information. Andrew told me that his company owned the debt. He asked me finally after about 1/2 hour asked what settlement I could pay on Sat. I stated that I could pay $400-$450. Andrew Lawson agreed to 47$420.00 on Saturday 10/13/2012 and transferred me to the banking section. I spoke to Jessica, she attempted to get my credit card information. I asked her if I could please have the letter of settlement agreement faxed over to me she said she would check.
The letter was finally faxed over from 866-586-0683 with the name of Jeremy Poehler whom previously owed Orion Processing Solution, 1868 Niagra Falls blvd, suite 305, Tonawanda, NY 14150 at 1-877-248-1750 which has severa complaints from consumer affairs and Better Business Bureau. This is obviously why the company is not in operation any more. Employees were using scare tactics, and threatening with arrest and harassing debtors(According to online complaints.)
At this time I spoke to Jessica in the banking section and told her that I needed until 12:00pm on 10/13/2012. I told her that I had to get paid and then go put money on my credit card, Which was a prepaid card. She stated this was ok. Asked me what type of card and gave her the card number and information she was requesting.
I spoke to my employer and they advised me that I should not be paying with a credit card, that I should pay by certified or bank check. So I called back to talk to Andrew Lawson and I requested a copy of the summons that his company was filing and that would be served on me by 12:00. He told me that he does not accept bank check or certified check, only accepts credit card, debit card or bank account per company policy. He told me that I could not have a copy of the summons or documents to be filed because they were not cerified yet and the documents were evidence and I could not have a copy of them.
Andrew asked me if I knew the names of my relatives as to show me he was looking into my family as a means to collect this unverified debt. Andrew said to me that I gave him a credit card with a negative balance. I told him it was a prepaid card and that I had to put the cash on the card after I got paid on
10/13. He told me that I have not used that card since July. I told Andrew that that it was none of my business when I used my card last. He asked me what bank I used. I told him, that it was none of his business which banking institution I used.Which, was also conveyed to the Jessica in banking and the first gentlemen that I talked to. Not only did Mr. Andrew Lawson tell me he was not accepting my payment now, but he told the his company let the statue of limitations run out and now he can use bad check charges with federal credit card law and fraud and wrap it all into one. He conveyed that If I sent a check he would send it back and that he is not accepting any payment from me. I told him that I just received the settlement agreement letter that he aproved and agreed to that states from N.A.R. inc that I have to pay $420.00 on 10/13/12 and the debt will be considered settled. I told him the money would be put on the card on Saturday for the company to take and I told him to have a good day.
I then tracked down the original SGQ processing and they gave me the company to call concerining my debt. That company inturn gave me another company to call whom had purchased my debt. This company provided me with debt verification and a settlement agreement and told me that the N.A.R.. Inc company and all of its cohorts were fraudulents using scare tactics and trying to illegally collect a debt that the company does own and that they are violating the Fair Debt Collection act and also my privacy rights. The owner of my debt told me they were contacting N.A.R.A Inc to inform them that the debt was settled and that they do not legally own this debt.
This company is violating state and federal laws as well as impersonating people and portraying themselves as Attorneys while harassing on the telephone and threatening arrests and federal charges for debt they can't,won't and have not verified.
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I am revoking my previous authorization for you to charge my card for original debt owed to SGQ Processing for the amount of $420.00 on 10/13/2012 for card ending 8195. You have not provided an ounce of proof of debt or that you own this debt.
This debt has been setteled and you will be contacted by company owning the debt.
I want you to cease and desist in calling my employment and my home numbers. I want no further contact from you exept by mail if necessary.
I requesting that a complaint be submitted to the Better Business Bureau, Consumer Affairs, Fair Debt Collection, and the Attorney General of New York to Investigated this company and provide a remedy for their actions against me and many other.