I got an email from John McClain, saying I owed money and they were going to persecute, so I emailed him/them stating I didn't have a loan they emailed me back stated well they were going to persecute, so I sent a copy of the letter to spam.gov
Neither phone,fax or email is legal proof of a debt owed.
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.
Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350
For Extortion Scam Operations, File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC.. Emails can be attached to complaints filed with IC3, the cyber crimes division of the FBI.
http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
https://consumercomplaints.fcc.gov/hc/en-us
http://www.fraud.org/
http://www.stopfraud.gov/report.html
Tip off FBI about this extortion attempt by filing form at: stips.fbi.gov/
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Also see here:
http://800notes.com/arts/I2neMkbUAAo/where-to-report-phone-crime
https://www.westernunion.com/us/en/fraudaware ... and-answer.html
Also read up on the laws and your rights:
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350
Washington, D.C.
December 07, 2010 FBI National Press Office
(202) 324-3691
— filed under: Press Release
The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.
According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.
The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.
Got an email today from debt.collection @paydaylaw.net saying that I owe $281 today if not they will file charges against me and I have no idea who these people are how they got my information and these people need to stopped!( anyone have any info on [email protected])
Got a scam email from Bogus "Legal Advisor for Ace Cash Express" stating to call this number. Says this is my last chance to settle a $8XX debt for $400 or my "case" will be "downloaded" into the court system and I will have to pay $4500, lose my bank account, and they will contact my employer about the legal action against me. They even use a bogus ACE logo and try to use legal jargon - though the terms "download case", "bench of the jury", and poor grammar shows this person is from overseas or an idiot. Total SCAM and so illegal. I have been getting these extortion emails and calls since my information was hacked when applying for a loan online. Scumbags - do not talk to them or pay them. They will only call you again from a different number and say you owe a different loan company more money. They harass my elderly mother too - she even paid one of them. I have talked to the FBI and they say ignore them, do not give them any information, do not give your address, bank info, etc. THIEVES!!!
The same thing is happening to me. I told them that I have my bank statements and no where on there is a deposit from ACE/ACS but they just act like I didn't even send that question and threaten more. This is scary to me. I want it to stop.