I have been receiving some of the same calls from this company names CRS Solutions regarding a payday loan from 2007. They stated I closed my account and now the payday loan company is trying to collect currently $900. The young man by the name of Terry Green gave me three options for payment before a summons is issued. I advised that I needed some type of proof of who the debt was from and who they were. He stated that was sent in the mail to my address when the incident first happened of the missed payment. He stated he couldn't send me anything except via email when a confirmation of payment arrangements had been confirmed. He had the last of my SSN, address, employer, and bank name. I can't pay a debt without proof
The company itself is UK based with offices located in the U.S. including Kingsport, TN. The customer service people are very aggressive and have no problem raising their voice to you. They stated I owed money from a payday loan from 2007. They claimed they were willing to settle my $300 balance for $700. I requested all the information be sent to me in writing. I was told the company (Payday loans) already sent me information in writing (in 2007) and they were not authorized by Payday to send anything else in writing. So, the customer service rep as well as the supervisor (I requested to speak to) both yelled at me that I better pay now or I will be sued for thousands of dollars not including court & lawyer fees. I told them to have a good day & enjoy their life long journey with customer service. As a side note, they get extremely upset when you ask them to repeat themselves. The thick accents of both were very difficult to understand.
Guy called and I missed it. I called him back and he said he was a lawyer and there was a lawsuit against me. I told him that if it were a real suit, I will gave received a formal letter not a phone call. He got mad, said I'll see you in court and hung up.
They called in August and now started again. They call work. I call them back about ten times on my cell phone for each call. Doesn't do any good, but ties up their lines for a few moments. When I receive something in the mail, then I will talk with them.
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).