Got a call today on my cell at and work from 814 631-1546, then 814 631 1480, claiming I had a payday loan from 2011 that was unpaid, which is a lie, they knew my old address and that I was with a "credit union" but am certain it's a scam.

This same company is calling again from 814-631-1526 or 814-631-1528 today.  The are saving they are going to put a lien against my auto or house.   I am lucky to be getting a phone call before the information is sent to there attorney of networks, but still no proof from this bunch of crooks.

THE PEOPLE SAYING THEY GOT REAL JUDGEMENTS ARE LYING!!!! THEY ARE JOE BELLAS EMPLOYEES TRYING TO MAKE THEM SOUND LEGIT!!!!

OWNERS NAME IS JOSEPH C. BELLA iii, HE HAS A RAP SHEET IN FLORIDA AS WELL AS NEW YORK. HE GOT CHARGES IN FLORIDA FOR RUNNING FROM TH POLICE IN HIS TRUCK AND DUMPOING/EATING HIS COCAINE. HIS MANAGER IS AUBREY MURPHY. JOE BELLA HAS A COCAINE HABIT. HE IS A TOTAL J***-OFF. ALTHOUGH THEY WILL CALL AND HARASS YOU NONSTOP, ON OLD DEBT THAT IS OUT OF STAT AND HALF OF IT IS MADE UP. THEY DID NOT MAKE IT UP. THE PAPER WAS SOLD TO THEM. JOE LIVES AT EITHER 222 OR 225 SUMMER STREET IN BUFFALO N.Y. THIS COMPANY IS IN BUFFALO NOT ROCHESTER. THEY ARE IN THE ELLICOT SQUARE BUILING IN DOWNTOWN BUFFALO. JOE DRIVE A NEW INFINITY TRUCK. HE IS A TALL STEROID RAGER COKE HEAD ITALIAN J***-OFF!!!!

just received a phone call AT WORK from a Bill O'Neil who said that he was from Check Systems and that they now had to collect the debt from me...had all my information-i have not been with that bank since 2010-early 2011 supposidly i took out a loan from some payday company and refused to pay it back and they have proof of the deposit...i want to see it but they wont give it to me...i was then email a warrant for my arrest from another company-SO ILLEGAL SCAM SCAM SCAM-arrest warrants DO NOT get emailed and are always spelled correctly DUH.....

Scammers!!!!! They also use the names nick Russo, Sarah waters n Nicole summer n I think Patrick.... Don't give these people any money I've filed complaints against them with bbb & FTC....., scumbags!!!!! Hope they can sleep at nite get a real job

They have been blowing up my phone as well since July.  They are calling my job trying to verify my employment.  I have been asking for paperwork/documentation, but they have yet to provide me with any.  They go by the names of Marie, Dwayne, Charles Stewart, Michael Murphy, Paul Murphy and other names.

They are also using the numbers:

(585) 278-1681
(585) 278-1678

I just received a phone call from someone named Adam.  He claims to be with Check Systems and states that I bounced a check in August of 2010 from a specific bank.  I did not even have that bank account in 2010.  This is the second round of calls I've gotten about this.  I took the number and will call to request verification of the charges...and I know I will not get a response.

Hey Joseph , Alex, Kyle ,Debbie , Stephen,  you are all part of the scam , with your fake comments, your not fooling anyone, why don't you get a real job and stop scamming innocent people, one day soon the law will find you, I would rather dig ditches or any other honest job than be a crook like you having to look over your shoulder all the time waiting for the law to catch you !!! Because trust me , they're coming !!!

A person identifying themselves as "Joe Depace" from "CheckSystems" called me five times within an hour, leaving three voicemails. I spoke to this individual one time.  He told me my husband had a loan that wasn't paid and that he closed the checking account, which caused him to be guilty of "fraud".  This man gave me basic info about the account (loan company, time frame) which normal finance companies, banks, etc. would not provide me with since I'm not an account holder.  When I asked for proof of this debt, he would NOT provide it.  He only told me that I had to pay the $1,000 to clear my husband's name because "check systems" would freeze his ability to write and cash checks.  We have plenty bank accounts, credit monitoring, etc.  We would have known about this loan (which he did NOT have).  I told this Joe Depace that I needed to contact the authorities because this all sounded fishy to me.  He demanded money, in the next 30 minutes, or else.  He said he would conference call the authorities for me.  He said he would call them (which means he has someone to play this role).  He said he could call "Captain Morgan" himself for me.  Captain Morgan? A bottle of rum?  When I initially called the guy, man that answered sounded like the guy that left the voicemail, yet he "transferred" me. This man wants to lead people to believe that he represents "Chex Systems".
TOTAL SCAM

Received a message for someone who does not live here. The woman rambled on in the message something about laws in Pa, Chex Systems and fraudulent purchase this person has made.

I too fell for this same scam a while ago ... and again ... this company is using the same tactics as the original. They say I owe CP Investors LLC for a Payday Loan in 2010. I've requested a validation letter with proof of the original debt and original creditor to be sent to me and have not gotten anything. I've called CP Investors my self and they do not have anything in their files. I've checked my Bank Statement and there is no deposit from any Payday loan.
I was able to get their addres but it was like "pulling teeth". It seems the more questions I asked, the more people I had to go through with a "higher" authority.

I am disputing this debt as they cannot provide me with solid proof. There is nothing on my Credit Report or my Chex Systems report regarding this debt.

They are using the following address:
229 West Genesee St., Bldg #1071
Buffalo, NY 14201

Phone #'s:
585-730-6107
1-877-651-4666
fax 1-855-218-8598

I have gotten a call/VM from Joseph myself today on my work VM which when collection places are not suppose to be calling you at work. I have also gotten calls from various other individuals from Check Systems and other numbers used have been 585-730-6087, 585-730-6917,& 607-299-0811. Calls started on 1/28/13. Requested a letter of validation which is required by FDCPA. They are they sent me a letter telling me to pay this hugh amount re: a debt owed to Cardinal Mgmt. Since I have already been a victim of a scam once and have never heard of this company or dealt with them, I mailed and faxed a letter to them that I was disputing the debt, need verification of debt, original paperwork, signatures, verif they are licensed to collect in my state, etc. Mailed & faxed that letter on 2/22/13. As of this date still have not recv any verifications I requested. So now I am calling the attorney's generals office in my state and the FTC to file a complaint. I have read the posts above and all I can say is how can anyone get a judgement placed on them without even having a court date. If these people want to take me to court then fine because I have documented every phone call, kept every threatening VM and have confirmation that my letters were recv. Another thing that is even more interesting is that I have heard from another company about the same time calls started from this company. They had all the same msgs. When I asked how can 2 companies try to collect on the same so called debt I was told by them both the other company was a scam and they "owned" the debt, not to pay the other company. Sounds a little strange to me. Basically I am not paying anything to anyone until they can prove this debt belongs to me, especially when I've never dealt or heard of this company. People beware, do your homework, ask questions and investigate what they say. Do not let them intimidate you. If you have any questions call your local attorney generals office, police or even the federal trade commission. You will be shocked what you learn. I sure have been since the scam I was caught up in 2011. Those scammers used all those same tactics into scareing me to pay for something I've never heard of. They caught me at a weak moment, but no more. Actually they only got part of it because once I started asking questions and realized what was going on I cancelled my debit card and funny thing is I never heard of them again about rest of the "payment". But I was already out of 600.00.

His name was Joseph "desiderio" he's  with a third party agency that gets these documents when a collection agency redeems that document uncollectable for these pay day loan company's .. They try to get last statements from individuals before further proceedings take place and give them a opportunity to pay it off . They make final recomendations This guy happens to work with check systems. I new a guy in that had this happen to him

I have been getting phone calls from this number for the past two weeks, sometimes twice a day. The caller identifies himself as Joseph Isidiro, from Check Systems.  Claims he has a check from Ace Cash for just over $1,000 that I need to take care of.  I have left messages for him instructing him to send me the information or leave me alone.  He says I must call him in order to settle the matter otherwise he will turn it over to Harris County.  A. I don't write checks -- EVER.  B. I don't live in Harris County.  C. Check out this link from another website which shows a guy by the name "Mark Joseph Isidiro" was trying to scam people in Nevada via phone. http://800notes.com/Phone.aspx/1-702-347-9501

Admin Edit: "It's a SUSPECT comment!"
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Same happened to me !!!!!! F*** check systems bunch of process servers!!!!!!

Admin Edit: "It's a SUSPECT comment!"
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They seemed like a real company to me

Whose # is this? Any help is appreciated.

Not a laughing matter. I just delt with this. They seemed like a pretty legit company to me supplied me with all the right  information and hopefully they stop blowing up my phone now !!!

Admin Edit: "It's a SUSPECT comment!"
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same here Joseph what county ? lol

Admin Edit: "It's a SUSPECT comment!"
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THIS IS A REAL COMPANY I GOT A CIVIL JUDGEMENT 1 week LATER!!!!!!!! SUKSSSS

They are in Rochester...been calling me too!

Yep. The guy said he was from check systems callin about fraudulent activity on my bank acct.  When I asked where he was he said New York.  I asked where in NY and he wouldnt say... "for my safety", he said.  I told him they must be rippin people off pretty bad if they wont say what town they're in and he said...exact words..."You know what?   Good bye" and hung up.
It was weird

This number keeps calling me appears to be a scam, saying they are check systems, and they are going to garnish my wages.  Total Scam.

This number keeps calling me and threatening me.  This is a SCAM.