the woman that called from this number threatened my mothersaying that I had a check fraud case against me in FL and a hearing there on the 22nd of this month ans if I did not contact them they would issue a warrant for my arrrest. My mom is terrified that I willl go to prision and I have not done anything at all. Who are these people?
This phone number is with "American Acceptance". Go get 'em Kim. They are a scam. No one can have you arrested for owing a debt in the first place. Luckily, I have found a little extra information about them. American Acceptance, PO Box 1244, Buffalo, NY, 14215 and American Acceptance 2608 Bailey Avenue, Buffalo, NY 14215. A couple of extra numbers they have called from or asked me to call back to are 855-274-6648 and 646-582-0080. Their Fax number is 716-566-6598. Call your local police and file a report. You'd be surprised how many investigators actually have a personal stake in this kind of thing. (It's happened to their family, or co-workers, or friends, or even just that they have had trouble catching them in the past) For the investigator on my case, it's all of the above. With this information that I managed to track down for him, the investigator said he can make these people pay for what they have done. It isn't easy, but if you just keep trying to track them down, and wear them down. Refuse to talk to them at all until they give you their info, and then tell them that you still won't talk to them until you have verified their info online. Then demand that they give you the original creditor information. They will try not to, but if you insist and refuse to continue the conversation, they will. Just keep calm. Their job is to make you as emotional as possible. They will often scream at you and hang up. Just let them. Give them a few minutes and call them back. Claim that you were holding for information and your cell lost signal. They hate that. All the time, keep calm. State that you do not owe this. Tell them that you are going to research the original creditor. It may take a little googling and extra digging, but try to do it while you're on the phone with them. Tell them that you have the original creditor's number. If you have a conferencing or three way calling feature, use it. Call the original creditor and find out if you have any outstanding bills with them. Even if they sold the account to a collection agency, they will still be able to find your information. If you ever had an account, they will be able to pull you up. So far I've dealt with 5 of these "companies". I've found that the best way to beat them is to prove them wrong when you are on the phone with them. Not your word against theirs, but actual proof, from outside agencies. This is where it gets really fun. After you have cleared the call with the original creditor, call the local police, but do not connect all of the calls until after the police have answered the phone and you have given them a brief explanation. You don't even have to hold for an investigator. All calls into the dispatcher are screened, recorded, and entered into record for the specific purpose of being used as evidence if necessary. When you connect the calls, tell the collection agency that you are now on a recorded line (just to cover your butt). Then continue with the conversation. Staying calm all the while and just insisting that you have already proven to them that you do not owe this. If they insist that you owe it (and they will), ask for proof again. This is usually the point where they start yelling and screaming, and verbally assaulting you. Some are even dumb enough to threaten physical harm. That's where the police will happily butt into the conversation, and inform them that they were on not just any recorded line, but a police monitored, recorded line. They WILL hang up, and if they ever call back again, insist that they have the wrong number, but you were contacted by the original owner of this number and given a forwarding number to give to friends who may call. Ask if they are a friend. They'll likely say, "yes". At that point give them the number to the FTC complaint hotline, your local police department, or some other such number. It will get the message across that they don't want to push you any further.
PS. Just a note. The call type requested below, does not have an option for Scum of the Earth Scammer, so I noted it as Debt Collector because that is what they try to present themselves as.
I just received a call today from 469-730-4332 and the caller ID shows AA x112. I'm guessing it stands for the American Acceptance that Fighting Back was talking about. Here the gentleman, I believe his name was Shawn, told me that there was a case against me for "Wire Fraud" in the South County Area. Of course I have no idea what he is talking about since I reversed looked up the number and it hails from Dallas, TX. I'm so tired of these calls! If and when he calls again, I'm going to record it and bring it to my local police department.