I was told that payday loans is not leagal in NY State.  I had one and they called but i did not pay it. they  charge 300 % interest on their loans which is not good .  I say don't worry about them .  They can not collect on them unless you still have that bank account they will draft their money best thing to do is close thata account and open another b4 it goes to chex systems.  Good Luck

Got a voicemail from a person named Nicole "from the legal dvision 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 "impertive" 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.

I got this on 07/28 too. Exactly the same. Old bank account that has been closed for years.

Do like I did, go straight to your local police department and file a report.  Give them the phone number and let them listen to any of the harassing messages they leave.  The officer called them back, but of course no one answered, caller id of course.  This number is a cell number out of buffalo NY.  They are sitting in their basement drinking beer and ripping people off, pretending they have an office and supervisors and what have you.  No one gets calles like that, legally.  Two words Con Artist.

yea i got a call using ty hall or teresa hall saying  i owe chex system aor cmg or bmg i just report her to the police depaprtment and BBB and FTC today, send me some more helpful information i want to report them to every place I can. These " d  m  scamers

I also got calls from this number and they call everyday I went to my attorney about it and they said it is a scam.  I am a law student and told them that and as soon as I did they hung up on me. They have been calling my mom, my husbands work and my home phone I am turning the number over to my local police deparment and report them for harrasment.

These callers sound like scammers to me. If they are legit collectors, they are breaking many FDCPA rules.
Legit collectors, per the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf , *MUST* :
1. tell you who they are if you ask them but you *must* ask
2. send you paperwork within 5 days of initial contact which must include the $amount and the name of the creditor
3. take you to court if they threaten it (unless it's illegal to do so) and it's considered harassment and *ILLEGAL* if they threaten but then don't do it.
Under "Validation of Debt" on pages 11 and 12, the FDCPA says the paperwork must inform consumers that they have 30 days to dispute the debt, and if consumers dispute the debt in writing *OR* ask in writing for the name of the original creditor and $amount, the collector must cease collection and send written verification of the debt to the consumer (might be original creditor paperwork showing your debt). What this means is all debt collectors *MUST* inform *AND* give alleged debtors the right to dispute, and collectors *CANNOT* just jump forward and take you to court without giving you the chance to dispute. If you didn't get the paperwork, it's likely an abusive-but-legit debt collector or scammer. If the collector claims he sent the paperwork, the paperwork has to come by certified mail so you have to sign for it for the collector to prove in court he actually sent it. If you didn't sign for it, the collector can't prove you got it. If taken to court, motion the court for case dismissal because the collector failed to provide you proper written notice as required by the FDCPA and denied you the right to dispute. Please read through the FDCPA to defend yourself against abusive debt collectors. Real debtors need to understand that if you really do get sued, you'd likely lose in court because the collector would make sure he's not going to lose on technicalities or look stupid in front of a judge.
I believe a collector based in another state must be registered to do business (collect debt) in your state in order to collect debt from you. Check with your state licensing agency to see if this collector (if you knew who!) is licensed to collect in your state.
Creditors also sell charged-off debts to others who'll try to collect. Charge-off means the creditor has given up on collecting but the debt's still alive and won't die until the statute of limitations http://www.fair-debt-collection.com/SOL-by-State.html runs out and even then some may still try to collect (low probability). The SOL does not prohibit collection attempts, it only says debtors don't have to pay and debtors must get proof it's time-barred to be safe. Read up on the FDCPA and learn your rights http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf and http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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

I also have been receiving calls and they are calling my job and everyone here to tell them my personal business. They say I am due in court and they have been calling for about 2 months now to serve me paper work but no one has yet to show up and serve me. Are they just trying to scare us? They are now calling my mother as well. What can I do to make them stop calling my job and spreading my business. I think this is a form of harrassement no? When they tried to say I wasn't allowed personal phone calls they say it's not personal?? WTH?? Please help..

I got a call also from a teresa hall saying she was workiing for chex system on behalf of CMG, she's threating to take papers out on me and call my job for garishment from my wages her number is 716-462-6019 she want give me any docorments or paper work she's saying its from an old bank that I use to dealing with she even has my social security number, please call me back ASAP. Also, I'm getting calls from a Herman Edwards and Richard Harrris saying they are investigators from Check system/ Debt Managements., both if these call are coming from Buffalo NY, they too are threating me calling and keep calling they number 1-877-384-1221  and 716-898-2026 Northern Tier. I have call my NC Attorney General Office so they can investigate this matter ASAP. Let me know any helpful information

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!!!

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.

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.

You have a great day.

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 :

https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/report/index.htm

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.