Called . Said I owe money . Yeah I do . Oh well , let's have another bowl . Its like whatever .

This is from élan financial service. It is for a collection that you owe. Mine is representing key bank bank for a debt I stuck them with. Yes it's legit! They represent different banks. I like to play games with them. Different voices, names, etc. Kind of fun, though I'm going from a 760 credit score to whatever it will become.....

I got a call from this number for the first time today, however within the time span of 4 hours they called 5 times. No messages left, no company indicated, no way of telling me this isn't a phishing scam. These people need to f*** off and leave me alone.

I get calls from them all the time.  The company is Elan and they are the backend for a lot of credit cards through small local banks that can't afford to do all the work themselves.  they are some of the rudest people i have ever talked to in my life.

received a phone call wanting information on a person that does not live here and wanted info on our son. the number was 8222364188, ext.60719 a sharon was leaving this message.  got into a heated discussion with and she wanting to know to much personnal info.  she stated that we were not clients so i could not speak to her supervisor, as i asked to speak to her supervisor, as she is rude.  thank god for caller id, i will not answer the phone when an unknown number calls.  i am tired of the messages from these people.  we do not bank there and thank god we don't, so we don't have the debt so they need to quit calling.  they are just trying to get info out of you so they can use it.  i want these people to quit calling here.

Them: "hello, Mr. Hernandez."
Me: "no, you have the wrong number."
Them: "what is your name, sir."
Me: "well, it's not Mr. Hernandez...you have the wrong number."
Them: "Does Mr. Hernandez live there."
Me: "This is a cell phone that I've had for more than a year, no one lives here. Have a nice day and good luck."
2nd Call.
Them: "Mr. Hernandez, you have a very important collection matter that needs to be resolved immediately."
Me: "I'm not Mr. Hernandez...I told you this is the wrong number."
Them: "SIR, this is very important we will continue to call."
Me: "Hold on........Ms. what is your name this call is being recorded."
Them: "No Mr. Hernandez, I do not authorize you to record this call."
Me: "Well then hang the f*** up and don't call this number anymore."
Them: -----click.

I recently got a cell phone and on the second day of it being on i have this 1800 number calling me I answer and its a guy the first time then the second time it was a girl they asked me questions about some nicole chick. I have no clue who this nicole is. they insist that im hiding her like most people do with their bill collectors but these people keep calling me and calling me they wont stop! One time outta the 50 phone calls i got i just got fed up and freaked out. that just added fuel to the fire. they wont stop harrasing me someone should call the police on these people or something. I told them both that i will find them and i will find them even if i gotta go across country to do that. My cell phone is my life line and i dont have time to put up with these fools. I hope they read this cause if they do I just want u to know that im coming for u.

plaese tell me my balance

I have been receiving call from this type of place for at least 3 years. Normally I just hand up. A few years ago I waited for the operator and they asked for my cc# to lower my interest rate.  I answered the call today, same thing, I didn't have a balance that would "qualify me on any CC but told them I did. She then asked me for the CC# I wished to lower my interest rate on and wanted me to call another #. I asked what company she was with but all she said was I needed to call the number she wanted to give and and to give cc#. I told her I really won't give # to someone I don't know. Asked to be taken off the call list, they hung up. I did#69 and got phone #800-285-8585 and they lady there said it was a fraudulet call and they somehow use their 800 number for their untraceable cell phones and they have been working with Feds to stop this and if I get any additional info to call my State attorney general.  NEVER, NEVER ,NEVER. GIVE YOUR CREDIT CARD NUMBER TO ANYONE OVER PHONE UNLESS YOU HAVE INITIATED CALL TO PHONE NUMBER YOU HAVE FOR THEM.  This applies to your ss# too..

A woman's voice said "I am from your credit card company".  She did not mention the name of the company.  She said I could take advantage of a limited time offer for me to lower my interest rate and wanted me to press "1".  

Dialing the number back got the same recorded voice saying she is from Card Member Service and she will be helping me with my account.

I do not have any credit card debt, so lowering interest is not an option that would apply to me.

i received the same post card, we are currently working with US bank on a debt we owe, and they did NOT send this out.. SO yes it is fraud.. US bank and no bank that we have been workign with has been RUDE or sent out anything like this.. i DO block this number and any number, because we CALL THEM.. that way i know who i am talking to

I contacted this number. A really snotty woman got on on the phone and got teally indignant that I asked her to identify her company. She rattled off the address really fast when I asked her for her mailing address. Was this Yolanda?? Hmmm??? Well heifer, this is called mail fraud!

The automated system went dead if I did not enter a "16 digit card number" so I entered 16 digits and hit the # key. Nasty angry bitter "Ms Thang" answered.  

She claimed the company to be either US Bank/ELAN Financial "depending who is calling them on what account. Their address is 9231 Olive St. St Louis Missouri, 63132. I have personally contacted US Bank. Their banker said they do not know these people and these people do NOT represent US bank. US Bank does NOT have any automated calling phone number that requests your credit card information.  Something is seriously reeking of fraud here.


Thing is USBANK and ELAN Financial are partner companies. This company is claiming to be called "USBANK-ELAN Financial" and is engaging in illigal business practices. Elan financial is based out of MN not MO. However, the US BANK corporate Head quarters ARE based out of MN, but has an entirely different mailing address. Are USBANK and ELAN Financial using illegal business practices? The woman who spoke to me at 1800-236-4188 number seemed awfully anxious to get off the phone and very put out to get me off the telephone. She did NOT want to talk to me. She would not even tell me the type of business they were and the automated phone wanted me to first enter my 16 digit account number BEFORE it would identify the company.

If US BANK or ELAN Financial are using these tactics or sending out these post cards with no return address on them, then shame on you. If my US BANK account information has been stolen or handed out to a company like this for ANY reason, then I will cancel my 18 year account with you and never do business with you again. I do not do business with unethical companies. So this needs to get cleared up!

And by the way.. if you are the representatives of a bank or law firm, by all means let me know which one. I want to let them know they should fire you and your retarded company for breaking the law and being painfully stupid.

GUESS WHO: you must be one of the scumbags workign for this company. Honest companies and banks do nto do business like this. instead of insulting the people you and your lowlife friends are trying to defraud, why don't you tell what the actual name of your company is? Come on, since you are claiming to be an actual debt collector who clearly is too retarded to even be able to write a complete sentence. Oh wait, you hide behind a name like GUESS WHO. Why don't you take your fraudulent game to the elderly community where you rip off old ladies of their social security money you Dbag instead of trying to pretend you are doing the world some favor by harrassing people and trying to trick them into calling your lowlife company.

I got a post card in the mail with my full name and address handwritten on the front, post marked from zip code 63101 (St Louis, MO). No return address is present. The other side says:

Date_____August 19, 2010____(handwritten)
Dear _____Paulette__________(handwritten)

It is very important that I speak with you. As I have been unable to contact you,
please call me at (314)_________________________________________  (note, no number filled in)

or Toll Free at                 1-800-236-4188
                                 ext. 156-0458 (handwritten)
                                   Please ask for"
                                      Orlando (handwritten)


Aside from the obvious run on sentences, extremely poor grammer and lack of return address indicating the company from which this was sent, I do not know anyone names Orlando. However, clearly this company (whatever they do for a living) is unethical and nefarious in how they do business. Otherwise, why would they send me this asking me to contact THEM without any indication of who they are or what they want from me?

My advice? Block this number. Do NOT call this number for ANY reason. Ethical companies do not do things like this. These are clearly NOT ethical people. I've no intention of doing business, (any type of business) with a company that plays these sorts of games and cannot even identify themselves, (much less pay someone competent enough to write a complete sentence).

Or better yet, since they want calls: call them from every pay phone you can find, set down the receiver and walk away! Once they get the 800 number bill, they might start changing how they do business!

I just got a very rude call from a Yolanda Malone from this number.  She never identified any company she worked for, but was asking for employment information regarding someone other than my self. (which is illegal I believe.)  She was very unpleasant in her tone and attitude.

Got a nasty call from "Yolanda" who proceeded to be very rude in her very ghetto attitude.

A note to "guess who", how do you know these people are irresponsible?? Maybe they didn't even make the charges or just lost their jobs...have a little patience would you...don't judge a book by its cover

The "lady" that called from this number, wouldn't let me get a word in edgewise! She was very nasty, and I couldn't even tell her she had called my mother in law who doesn't speak English, or even hear very well..So she asked why I called her from that number and what I was doing there if it wasn't my number!!!??? WHAT??? I hung up...the account she was calling about was foreign to me...

Well, I continued to receive unwanted calls. But I pursued my investigation by contacting US Bank with emails, and I heard back from them (see below) and as of today, March 15, 2009, I have not received any further calls. Mission accomplished, I guess.

Note that I have removed my identifying inforation from the emails below.

First, here is the reply from fraudhelp@usbank.com:

****************
From:  fraud_help@usbank.com  
Sent: Tue 3/03/09 7:22 AM

I apologize for the confusion regarding the phone call that you have received.  I have confirmed that the person who contacted you
is from Cardmember Services Collections department.  This is a legitimate Phone call from US Bank.

Please contact the phone number that you provided us for further assistance with the phone call you received or call Cardmember Services Customer Service at 1-800-285-8585.

Sincerely,

Rosa I.
US Bank Online Operations
24-Hour Banking and Financial Sales  

*********************

Now here is my second email to them. I sent them this second email after my first one did not get a response and I had received another call.

********************


Sent: Tue 2/24/09 7:56 PM
To:  fraudhelp@usbank.com

To Whom It May Concern:

I am following up on the email that follows below this one.

I just (now, a little past 7 pm) received a telephone call from Tori, claiming to be calling from US Bank, 1-800-285-8585. (She refused to give me her extension.)

She told me that she was calling regarding an account with the last four digits of 7608, 154 days past due in the amount of $162.00, in the name of [my name with incorrect middle initial] of 2350 Paradise Drive, Apt 217, Reno, NV 89512.

I told her that I am not [my name with incorrect middle initial], and that the telephone number at which she had reached me is incorrect. I asked that my number be removed from that account. She hung up. (I was not entirely pleasant by then.)

I now have first googled the above number, linking to http://www.usbank.com/cgi_w/cfm/personal/sub_global/personal_cu.cfm

and then called that same number, conferring with a representative (Cindy) and summarizing for her the info above and below. She has not found information to confirm the account.

Cindy conferred with fraud and her sup, and then asked me to call collections (877-838-4347) tomorrow. I am happy to do that.

I just googled:
[my name with incorrect middle initial] "2350 Paradise" Drive, Apt 217
[my name with incorrect middle initial] "2350 Paradise" Drive
[my name with incorrect middle initial] "2350 Paradise"
No results.

"2350 Paradise" locates an apartment known as Sierra Manor.

[my name with incorrect middle initial] reno nv - got 30 hits, but none with the exact adress.

[my name with incorrect middle initial] 89512 - got over 400 hits but nothing that caught me.

[my name with incorrect middle initial] - got over 3000.

Anyway, that's way more info than you prob care to know.

My point remains: If I am receiving calls from US Bank, please advise your outbound collections callers to stop calling me. Please delete the telephone number [my telephone number] from any other than my own account records.

If this is a scam, please let me know.

Bye for now.

[my name and telephone number]

*****************

And here is the first email that I sent:

*********************


02/21/2009 04:11 PM
To <fraudhelp@usbank.com>  
Subject: Phishing Scam??


To Whom It May Concern:

I am [my name]. I live at [my address]. I have lived here since 1996. I have an account with you, a credit card. My account is in good standing.

Pleaser review an entry that I posted at this website in response to a call allegedly from US Bank. Mine is the entry entitled Irritated  and dated February 18, 2009.

http://800notes.com/Phone.aspx/1-800-236-4188#pkWWOfQdv9wDEVAjLX5yz0Q
 
If you are unable to access my post, please let me know. I have kept my own copy.
 
Today, about 3:45 pm my time, I received yet another call allegedly from US Bank. This time the call was from a woman identifying herself as Kya, asking for [my name], asking whether I live on Paradise Drive. I told her I would call her back. She gave me the number 1-877-838-4346, ext. 60885.
 
After I hung up I called the US Bank telephone number listed in my Yellow Pages, 1-800-872-2657. I spoke with Chance, and again verified that my account is in good standing. I described, in brief, the information that I shared in my on-line post.
 
He stated that collections was closed today.
 
I asked him for an email address to which I might send the information, hence this email.
 
If I am truly receiving legitimate calls from US Bank, please advise your outbound collections callers to stop calling me. Please search the records that include my telephone number [my telephone number] (my number since 1996) and delete that phone number from any other than my own account records.
 
If this is a scam, please let me know what I can do to assist you in defeating it.

Bill

[my name and telephone number]

*****************

Well, I hope that helps anyone who has wondered like I did about whether you are getting hit with a scam.

i get tired of reading these blogs from debtors who refused to take responsibility for their past due accounts. man up and grow up people.

This evening I found this message on my voicemail: "[Firstname Lastname],this is Stacey, Senior Accounts Manager with US Bank. Please do not continue to disregard the calls. I do look forward to working with you and assisting you voluntarily. This very urgent matter has been forwarded to my office and does need your immediate response. Again, I  can be reached at 1-800-236-4188 x 60652. Continuing to disregard the calls is not going to make this matter go away. I do look forward to working with you and assisting you voluntarily."

So I called and got a recording saying, "Thank you for calling Credit Card Services" and offering three choices. I hit 2 and then entered 60652 followed by the # sign. Stacey answered. She immediately asked for the last four digits of my social security number.

Now that has, in the past, been the original four-digit passcode to access my other bank accounts. And I do not know Stacey, and I do not know the telephone number at which I have reached her, so I ask her for information to verify that she is not a phishing scam. She can't, apparently, except to say that she is not. She refuses to give me information about the person whom she was attempting to reach by calling my telephone number. She says that she is not a phishing operation and that she can not help me unless I give her the four digits of my SSN.

I tell her that she can Google me and information about me by using the telephone number from which I had called, and then can use the four digits to my disadvantage. We go back and forth like that a couple of times and, after I give her my address (not the one she was hoping for), she finally tells me who she is trying to reach: same name as me but with a different middle initial.

I tell her that I am not the person that she is seeking. I then ask her to remove my telephone number from the list. I get no assurance that that is going to happen before she says, "Have a nice night," and disconnects.

I called her number again to ask for her supervisor. This time she does not answer. Instead, I hear a recorded message stating the hours of operation and that the business is now closed. The message does not refer to Credit Card Services, but to Card Member Services.

I Google "US Bank" and find this page: http://www.usbank.com/cgi_w/cfm/about/online_security/online_fraud.cfm There I find this: The U.S. Bank Fraud Liaison Center is available 24 hours a day, 7 days a week at 1-877-595-6256.

I called the number and had a very understanding phone call with a woman who said never to give out any information to a party who initiates a call. She said that the last four digits of my SSN might be just what a scam artist would be looking for. She said that she did not recognize the Stacey number as belonging to US Bank, but also could not know that the Stacey number was not legitimate, either. She confirmed that my account with US Bank was problem-free.

I have received a number of voicemails lately looking for someone with my name. I am irritated by that. I am irritated that I may be getting hit by scam artists. I am irritated that I am getting irritated.

Looking over the comments above, I found the other callers (Cindy, JB, \, atrain, etc.) who had listed different extensions. So I called extension 60655 and someone answered, but the call was cut off. I redialled and Leah answered. Leah was able to tell me that I had called earlier tonight and that I had said I had had the same telephone number for 19 years (incorrect) while now I was saying 12 years (almost 13, actually). She said that she was going to remove my number from the account with which it is erroneously associated. Then I asked for her supervisor, and have now been listening to a phone ring for some five minutes or longer.

I have hung up.

If these people are legit, they have one uphill battle to convince callers of that fact. I would hate to be a collection agent. What a thankless job! I only hope that they have taken my number off the account that I do not have.

I got a postcard in the mail that stated , it is very important that I speak with you, As I have been unable to contact you, Please call me at (314)996-0880 or toll free at 1800-236-4188 please ask for LEO PRESSEA ext 60880.... I called us bank and they said it was FALSE, NOT THEM, SCAM

Received a call from a Mr. Willis (800) 236-4188 ext. 60663. Trying to collect for US Bank. Called an old employer of mine & was given my new work number. Calls 3+ times a day.

Im sick of them calling me> iwill find them and shut them down i promise

Called my ex-wife's number (divorced for 15 years now) at an address where I never resided! Left virtually no information other than this number.

Phones me MANY times a day - no info as to caller and no message is left on my answer device.

Keep getting calls, sometimes 3 or four a day from 800-236-4188.  They leave no message nor do they identify themselves.

I simply do not answer my phone unless I know who it is that is calling.

This call claimed to be from US Bank. THey left a message that they were trying to contact me for two monthe. I checked with the US Bank snd they said that it was not a US Bank number.

I got a call from this number with a nasty message.  I don't appreciate it and do not wish to be called again.