I just received a call from this number harassing me for $5000.
Claim to be a Law Firm of National Credit Agency. Say that they are 271 East Cadman Plaza/Brooklyn, NY 11201.
Claim I received 13 notifications by email of debt due-- they will not say who the debt is due to. Beware
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 - US Mail ... 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, MoneyGram, Western Union, prepaid gift card 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
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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.
I didn't answer but they left a message to call back or have my attorney call. The guy barely spoke english. Sounds like another [***] extortion plot. My grandmother fell for one like this awhile back. Avoid at all costs. Shoot first, think never
Received scam calls from several numbers, including: 347-926-7329, 347-378-7095, and 347-289-5000. All calls were from the same people who purported to work on behalf of "National Credit Agency" - which they told me is an umbrella corporation that covers "78 websites" related to payday loans and unsecured debt. National Credit Agency oversees the banking transactions of these websites. They informed me that I had defaulted on a loan for $1995.36 in 2011 or 2012, and that current penalties put the amount due at $5484.87. They were calling as a courtesy to inform me that a law suit would be executed in my state "tomorrow" and that charges would be filed. They were very convincing because they did not directly state they wanted money - they offered as a sly suggestion they could call their client if I provided them some reason or "something in hand" to convince the client not to execute the lawsuit. I had to press them for details and their "case" quickly fell apart. Don't believe these crooks or give them any money! There is more info below if anyone who reads this is not convinced it's a scam.
They stated they would file the following charges:
Violation of federal banking regulations
Collateral check fraud
Theft by deception
These are criminal charges and they would need to be filed by the state attorney or locality's DA. They would not be filed by a 3rd party. Also, any reputable litigation attorney would never warn the defendant or it's counsel that they were about to file an initial motion, especially for anything regarding money. I initially spoke to a woman named Jessica, who said she was a paralegal. She transferred me to James Green who is supposed to be a licensed attorney in New York state, working out of Brooklyn. He would not give me his registration number and both the people I spoke to had thick Indian accents. They could verify the last 4 digits of my SSN, an address from 7 years ago, and the last 4 digits of my checking account... and nothing more. Beware.