646-582-0080
NY, US
Fighting Back
Fighting Back
2013-04-18 16:25:33
Debt Collector
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.
Jenn
Jenn
2013-02-01 17:10:45
Unknown
This number kept calling me at work repeatedly but I was never able to answer. Finally able to catch them as they called hoping I could speak to someone and have them remove the number from their records but just kept getting recorded messages. By chance I pressed "0" at the end of the final message and actually got to a  live person. This "company" must have only one person working there because the same person that answered was also the voice on the recording. When she answered it sounded like I was on speaker in a hallway. I just told her that they had been calling a business and needed to remove the number from their list. She said she would do so... we shall see.
Alfalfa
Alfalfa
2012-11-30 17:51:59
Unknown
The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

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 whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or 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. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm
wp
wp
2012-11-30 17:50:34
Unknown
Missed a call from this number on my cell.  I was expecting an important call so I called the number back.  Someone answered and transfered my call to someone else.  This person tells me I that I missed a court date and ran down all of this old contact info they had for me.  They said some company was trying to sue me for money from 2007.  I told them this was wrong because I don't owe anyone.  They said that they tried to serve me also, yeah right.  Everything was a lie.  I work for the judicial system and found no cases against me in my states court system.  I think this is another type of scam.  They have called several times after and from several different numbers and have only left a voicemail once.  They alwas call at weird hours.  Always between 4 and 7 pm, what real company conducts business at these times.  Another fake company trying to get money that you do not owe!
1-626-207-9132 1-416-201-0704 1-813-319-2653
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