I just got the same call from them saying that we owe over $1000 for a payday loan back in 2008 they have been threating me also about serving papers so I contacted my attoney and she said don't pay them a dime wait for the papers then we know it is real. They are calling my mother and work. The lady that calls says her name is Lisa Martin
Got a voicemail from a person named Nicole "from the legal division with ChexSystems" on 7-31-2010 who claimed that I was being investigated for possible charges of "check fraud" stemming from a since closed bank account (of two years), that it was "imperative" that I return this call, and that I might want to seek an attorney. Prior to this I have NOT received anything by mail to that effect indicating any legal action against me (including from the bank account in question). Just in case this wasn't a bunch of bullhockey, I did get some attorney names to contact, and in the meantime did a little more digging and have found posts VERY similar to my complaint regarding tactics by debt collectors from the SAME area code. In addition I traced the number who called me and found it to be a WIRELESS phone number based in Buffalo, NY even though my caller ID listed it as "private". When I did call back sometime later that day, I got the voicemail system by someone NOT named Nicole asking to leave my name, case number and phone number for my call to be returned. But as of now, I'm not doing a thing until I receive more official notice of some sort pertaining to the nature of this phone call.
Chex systems is essentially a credit bureau for banks considering granting checking accounts:
From https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/faqs.htm
"Chex Systems, Inc. provides account verification services to its financial institution members to aid them in identifying account applicants who may have a history of account mishandling (for example, people whose accounts were overdrawn and then closed by them or their bank).
Is ChexSystems a credit bureau?
Chex Systems, Inc. is a consumer-reporting agency governed by the federal Fair Credit Reporting Act (FCRA) and other laws. The Federal Trade Commission enforces the FCRA."
They deal with the banks and I haven't heard of them contacting consumers directly. In fact the "get a lawyer" comment sounds more like an intimidation tactic so this may be some kind of scam. If you want to know what's going on it might be better to contact Chex Systems directly:
Contact Chex Systems, Inc.
Mail: Chex Systems, Inc.
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125
Fax: 602.659.2197
Telephone: 800.428.9623
You can also get a free credit report from them at :
FYI ... By the time you typed out your duplicated reply to my posts, I was already two steps ahead of you in that respect.
The links you gave I had already uncovered as part of the "digging" on my end between the phone call I got and well prior to your response, but I guess you missed that part of my post.
I was merely putting the info out there for others getting the same type of call from the exact same number via similar posts concerning the same complaint, since I'm quite sure there's much more scam from where that came.
same scenario here... i asked them for a mailing address and they refused to give me one!! The "professional supervisor" notice the quotation marks....told me that this is not Burger King and I cant have it my way. I need to simply make arrangements to pay 1200. I asked to be mailed copies of some sort of documentation for this alleged debt i incurred in 2000 mind u today is 10-19-2010. She said no I should be familiar with what I owe. I asked for a fax number that appearantly I couldnt have my way either. This number is 7142024327 mind u this was the second person who claimed to be the initial contacts supervisor. It is listed as a cell phone number in reverse lookup.
I got the same call. I asked them to spell their company's name. They told me Check Systems, because I was already familiar with Chex Systems from working at a bank for years. I asked them for their email address and they told me www.checksystems.com. Needlesstosay when I went there, nuthin. They told me about a payday loan back in 2009 that I owe, they couldn't tell me the name of the company I got it from, they couldn't tell me what I owed, they wouldn't send me an email, they knew absolutely nothin. Ignore them!!!! This is the second time I've gotten a phone call like this. UGH!!!