I just filed a complain with the FTC and cfpb. I will also file a complain with the California Orange County district attorney and the FBI.gov. Please all who reads this needs to do the same. The process very easy for each agency. This is a scam and they need to be stopped as they continue taking other people moneys.

I am the same Heather that made the complaint on July 28, 2012. After not hearing from anyone from this company for over a month out of the clear blue sky I get a call from "Travis". He didn't state that he was from BAM Financial at first. I had to ask him several times to get him to tell me. He said that there was a complaint filled against me and wanted me to verify my birthdate...which I denied. He told me I was acking like a child because I wouldn't verify any information and refused to answer any questions he had. I told him that I didn't have to answer anything and that I could careless about him and that he didn't matter to me. He kept on going back about the complaint and I informed him that I have made complaints about BAM Financial to the BBB, Federal Trade Comission, and to the police. I told him to contact me only by mail. He stated an address and asked me if that is my current address and I told him no. He wanted me to give him my current address in which I refused and told him that he has figured out all my other information and he can figure that out also. Sorry to say...I'm hoping that they will call me back because I'm looking to have a good arguement and these people would be my perfect pick. LOL!!!

I recieved a letter from them a few months ago after they couldn't reach me on the phone.  It said I owed a debt of $11000.00 and then just this month, I answered the phone and they said who they were and they needed to transfer me, I said you called me to transfer me about what?  He couldn't tell me anything!  I told him I was at work and didn't have time for their games.  I then googled the number and found out that the one number was a cell phone in CA and the other number wasn't listed anywhere.  So I ignored their calls in the future.  Then I got a voice mail on my phone that says this is ____ with BAM Financial and I am calling regarding property in _________, MD.  Well I don't own any property but concerened and only had been given a 24hr window to call back I called back nobody would tell me what it was regarding except that someone filed a claim against me, they told me my account was secured and he could not see the information but would leave a message for the right person to call me back. Nobody called me back like I was told until just this week and I got a call from some guy who asked for me and I said this is her what is it regarding, he said I was asked to call you and give you a number and a case number and to speak with Mr.  ____, I said if they want to talk to me they can call me directly I am not and will not call that number again since it must not be that important, if they never called me back originially.  Then about 2 hours later I got a call from another Unkown number and I ansewred it to find out that it had nothing to do with any property but a credit card from 2006.  I was on the phone with this guy for 51 minutes and 20 seconds, while he told me about my debt, and how I refused to make arragnments and how willing I was to resolve this issue.  In the middle of the call and throughout the entire call, he was rude and told me how he was going to ruin me and take me to court as well as garnish my wages.  Most of which I find out later that he is not allowed to do or what he said he was going to do and how was all wrong.  I am now in the process of filling a complaint with the BBB, FDCPA, States Attorney General, and contacting a lawyer in an effort to get this company off of my back.  They broke many laws in the process they took.  The problem with this complaint process is that unless many others complain to the FDCPA they will not investigate.  Please anyone having any issues with BAM Financial file a complaint just as I did, so that we can stop this behavior.

Thanks everybody for all the research on this name and number. I had a similar interaction as ya'll that they were calling on a property in a town that I have never owned property in. He said the biz name so quick I could not understand him and asked again he continued on not answering me and wanted me to verify my SS# and date of birth. I did verify the last four of my SS# (which I should not have done) but what caught my ear was how his town went a little higher indicating excitement and he held his breath as if thinking he had me. After my stomach turned I started pushing for more information about this company and why they were calling me. He then said that he was going to turn this over to the district attorney and I can explain to the judge why I refuse to pay. I told him all I wanted was more information about this company and why they were calling and he hung up the phone on me. The whole thing is sketchy!
Date of this interaction: 8-6-2012

This is the actual letter that I sent to the BBB. BAM Financial first contacted my husband on July 18th as I stated previously with something about direct connection with property. Since my husband had no clue with what they were talking about he kept the voicemail but ignored calling back. Then on July 23rd my sister-in-law was contact by phone and I returned the call on the same day. Neither I nor my sister-in-law has ever been provided with any documents, letters, or statements that this is an outstanding debt from Wells Fargo, BAM Financial, Blackrock Asset Management or any other collection agency. Which to my acknowledgement any collection agency has 5 days to provide me with written documentation. Mr. James said that I said that I was refusing to pay in which I did not state though he hasn?t provided me with any written proof that I do owe. He tried to get my sister-in-law to give him her banking information which she did not do. He also stated that he was going to reposes and/or put a lien on my vehicle. Which he also is not supposed to make any types of threats which include saying that I and/or my sister-in-law will have a warrant out for our arrest or will be arrested in which he did say. I was told by Mr. James that he?s an attorney. I would like to be provided with an attorney bar number. Mr. James said that he has had this account/case since 2009. Then why did it take 3 years to get in contact with me and/or my sister-in-law? Mr. James also knew much more information about me and my sister-in-law than a collection service/agency or attorney would know without talking to them and me telling them first. He brought up things on me from 20 years ago. The address on Emery Court which BAM Financial lists as its address with the BBB is an apartment complex (Red Flag right there!!!). 9393 Emery Ct Ste 6 Fountain Valley CA is an apartment unit located at Grande Apartments, 9940 Clover Ave, Fountain Valley, CA 92708. Blackrock Asset Management is listed twice (July 10th and July 24th) on my credit report as a ?lender? with a hard inquiry.
Definition of 'Hard Inquiry? a type of credit report check that may lower an individual?s credit score. A hard inquiry occurs when an individual applies for any type of credit, such as a mortgage, credit card or auto loan. The reason a hard inquiry may lower an individual?s credit score is because someone who has recently applied for new credit is seen as a potentially riskier borrower.
I myself have not applied or have given any agency permission to apply for any type of credit.
On the BBB website BAM Financial says it is located at 9393 Emery Ct Ste 6 Fountain Valley CA not Blackrock Asset Management. Luis Carrera is listed as the owner of both of these places. (Red Flag once again same owner, same phone number, different addresses approximately 18 minutes away from each other, conflicting address reports and conflicting business name reports). I have talked to a Mr. James, Mr. Lee, Mr. Parson or Carson and a Mr. Cortez. Even with different names when speaking to them they all sound like the same person (another Red Flag!!!)
I also ran both names on the California Secretary of State Website and came up with the following information below:

Entity Name:    BAM FINANCIAL, LLC
Entity Number:    201112010296
Date Filed:    02/17/2011
Status:    ACTIVE
Jurisdiction:    CALIFORNIA
Entity Address:    4521 CAMPUS DR STE 282
Entity City, State, Zip:    IRVINE CA 92612
Agent for Service of Process:    NATIONAL REGISTERED AGENTS, INC. (C1941323)
Agent Address:    *
Agent City, State, Zip:    *


Entity Name:    BLACKROCK ASSET MANAGEMENT LLC
Entity Number:    200907510282
Date Filed:    03/04/2009
Status:    CANCELED
Jurisdiction:    CALIFORNIA
Entity Address:    9393 EMERY CT STE 6
Entity City, State, Zip:    FOUNTAIN VALLEY CA 92708
Agent for Service of Process:    LUIS CARRERA
Agent Address:    9393 EMERY CT STE 6
Agent City, State, Zip:    FOUNTAIN VALLEY CA 92708

Blackrock Asset Management LLC is on my credit report as a lender not a collection agency/ service. From the information that I ran on the California Secretary of State website this business is closed.  BAM Financial and Blackrock Asset Management have the same phone number of 1- 800-803-5033. There is no listing at the BBB for Blackrock Asset Management though from the information I have on my credit report as of July 10th and of July 24th they are still in operation and not underneath BAM Financial as stated at the BBB and through California Secretary of State.
Neither I nor my sister-in-law will be threatened, coaxed, or guilt into that this is an owed debt without justification in writing only sent by mail.
References:
http://www.investopedia.com/terms/h/hard-inquiry.asp#ixzz21nSSPZlM
http://mrnumber.com/1-800-303-5033
http://mrnumber.com/1-714-380-3007
http://www.whitepages.com/phone/1-714-380-3007
http://kepler.sos.ca.gov/cbs.aspx
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

I just received a phone message from this number saying that ' it is Travis from VA financial and leave a case number and urge me to call back in 24 hour. Also, said that property was verified in CA and his company will continue with a legal action. First he is calling to wrong person, second I own no property and third i owe no money to anyone or any company. No past due bills either.
This is a scam call and trying to collect money from anyone. Be aware of this kind of phone calls. It is sad that nothing much we can do the stop this kind of phone calls to people have nothing to do with it.

Be aware and take care.

Tim.

My sister in law received a call from this number asking for me. Told her that there was a summons to a court hearing. That I was in alot of trouble. Really scared her and told her to give me the message to call a Mr Lee or a Mr Parsons.She gave me the message with the reference number, Of course I called to see what the problem was. When I asked who I was speaking with, the man was rude and would not say his name. He quickly asked me for the reference number and so I gve it to him. I then asked him to speak with one of the two names I had received and again he began to speak at the same time and askes me my name. I gave him only my first name. He began to ask me for my social security number. I told him I would not give my information to someone I don't know. He began to yell out my SSN to me and said " I am not your husband, You could talk to your husband that way" and so on and so on. Needles to say he hung up on me. But not before he threatened me with calling my Boss. The hanging up happened after I offered to give him my Boss' number. Yes!

I was away when the call came in but they did leave a message.  I don't remember ever getting a call from this outfit, at least from this number.  Caller clearly asked for someone that doesn't live here and went on to say this would be the last time I would be contacted before legal action is started.  I found that interesting since I don't owe anybody anything.  I've paid cash for the last several vehicles as well as the last two houses I've purchased.  They clearly are calling the wrong person.  Also the person was speaking broken English but I could understand him.  Caller ID displayed the number where a name would normally be shown.  Probably a scam of some kind.

This company is a collection agency that uses scare tactics to trick you in to paying time barred accounts. They will threaten to sue you and serve you at work in order to trick you in to paying them. They legally can not sue you for a time barred account but can still continue to call and harass you. Don't believe the lies and pay them. They will also try and reference any property you own and say they are filing a Lein against it. This is also a lie because they need a court order from a judge who will not grant this if you advise this is a time barred account. California law states they legally can not collect this debt if no payments have been made in 4 yrs. I know this because I came close to paying them on a 12 yr old debt but after researching collection laws I learned legally I didn't have to pay this. Also ck them out on the better business bureau they ate rated an f!

Got a call today from a Lady named Katie. She left a case number and said it was about some property of mine and mentioned a city that I have no property in. For the hell of it I called her back and asked what it was about. Katie wanted verification of my social, my last 4 of the social. When I wouldn't give it to her she said it was to verify that I was the correct person. I said I called you back didn't I..  Finally she said I owed a balance on a bill and gave me an amount for a very large amount of money and wanted to know if I was going to pay it. I told her I have never had a bill or a payment for that much money. She then told me who the creditor was and explained she was sure that the amount was larger than I remembered and that she would set me up with a payment plan. I said no thanks. So she started again. Then I said when was that bill opened and she said.... are yo ready. wait wait 1992. I almost _ _ _ _ my pants. I said you have got to be kidding. Don't call here again at my work and don't bother me again or I will be having my attorny contacting you. So she said well I can't believe you don't remember the bill and I said you know DO YOU REMEMBER WHAT BILLS YOU HAD 20 YEARS AGO OR BETTER YET YOU PROBABLY AREN'T TWENTY YEARS OLD. Then I hung up.

I received a call from this number on 5/25/2012 but did not pick up because i did not recognize the phone number. Lady left me a message saying this call is for someone( can't spell the name. it was a foreign name to me). Message said, please call this number back for legal matter and left a case number. This individual did not identify herself and what company she is working for. Just left a message.
This sounds like a collection agency but who knows. So many crooks out there trying to make easy money out of honest and hard working people.

this number continues to call me and wont tell me what they want. I will be prepared for them next time.

Gotta call from this number, from someone asking for me by name. The gentlemen on the line then went on to say he he worked for "BAM Financial". The second he said that I told him I was not interested and then hung up. About 30 minutes later I called the number back, the individual who answered did not identify himself as a business he simply said "Hello"(red flag). I then stated that someone from this number called my cell phone and he immediately stated my name which leads me to believe he has calller ID(second red flag). I then asked what was the nature of his business and he stated that there is civil lawsuit against me and that he would transfer me. When I heard this I immediately terminated the call.

In my profession I deal with a lot of litigation and one thing I know is that lawyers NEVER inform you of a lawsuit via the phone. It almost always comes through certified mail. Also every lawyers office I have ever dealt with answers the phone in a professional manner; by identifying themselves. I am not sure exactly what this company does or the purpose of the call but whatever it is, it doesnt smell legit. FYI