There's a lot of "scammer" talk here about this company, and I just want to clear the record here. I do not work for Gatestone, this is simply to provide information to people who are confused.
A scam is defined as a dishonest, fraudulent act. This is not a scam - the company is not intentionally making up false debts and calling you trying to entice payment. Gatestone is a licensed debt collection agency and, like all other collection agencies, receives accounts from creditors who have exhausted all their means to collect a debt owed to them.
Most of the time, collection agencies receive a name, social security number, birthday, address, and amount of debt from the original creditor and that's it. If they have sufficient information to contact you, then they will do so. If they don't have correct information (say if you changed your phone number) then they may call people with the same name looking for the individual who owes the debt.
THIS IS WHY THEY ASK TO VERIFY YOUR BIRTHDAY AND/OR LAST FOUR OF SSN BEFORE TELLING YOU ANYTHING:
Federal law prohibits a debt collector from discussing a debt with anyone but the debtor. They aren't even allowed to tell you that they are a collection agency, and often just say "this is regarding a personal business matter." Calling them wrong person and saying "I'm trying to collect a debt from John Doe" when they are actually talking to Frank Smith is a violation of federal laws and lands them in hot water.
If you are uncomfortable confirming your identity over the phone and are unaware of any owing debt to someone, simply tell the collector to contact you in writing if they believe they have the right person. Fair warning: it's often much easier in the long run to talk to the collector instead of shrugging them off. You don't have to admit to the debt, but you can at least ensure they are actually looking for you and find out their company name and contact address. (Alternatively, you can just look up their phone number, much like you have already done if you are on this page.)
Debt collectors are required to send you a dunning notice within 5 days of initial contact explaining the amount of the debt, who it's owed to, and statements indicating they are a debt collector and that you have the right to dispute the debt and what action they will take if you choose to do so. This letter is your best friend.
HOW TO STOP THE PHONE CALLS AND COLLECTION ACTIVITY:
If you are sure they have the wrong person: Write them a letter, certified mail, return receipt requested. State that they have been calling you (list times if you want) and include your phone number. Inform them they have the wrong number and you demand they cease and desist. The phone calls must stop within 24 hours of them receiving the letter.
If you owe the debt or are unsure: Write them a letter, certified mail, return receipt requested. State the account or reference number included on the dunning notice and telephone number they have contacted you at. Use the phrases "I dispute this debt in its entirety" and "All telephone calls are inconvenient." This will force them to 1: Stop calling you, period, as debt collectors are not allowed to contact you at places or times known to be inconvenient, and 2: Forces them to stop collection activity until they obtain verification of the debt (from the person the money is owed to) and mail it to you. Generally a bill, signed contract, purchase receipt, etc are acceptable. They cannot simply mail you a printout of the amount owed - it has to be a document from the original creditor (the one that hired the collection agency).
Until they send you this information, they are not allowed to contact you further and cannot take any collection activity against you. If they can't obtain the documentation (which is the case 90% of the time) then you won't hear from them again. (Caution: the debt may transfer to a different collection agency and the process starts over.) If they do send you verification of the debt (say a copy of your signed cell phone contract and copy of last bill showing a balance owed) then they may resume collection activity - but they still cannot call you if you told them not to. If this happens, work it out with the collection company. You can pay the amount of full, settle for less, or come to a payment plan. This is a whole new topic and each method has pros and cons, search the internet for information on dealing with collection agencies, there's a ton of information.
Further reading: Search for FDCPA (Fair Debt Collection Practices Act) and dealing with collection agencies. If a collector violates the FDCPA while communicating with you, you are entitled to $1,000 if you choose to pursue the matter. Do your homework!
They called me too. Best part is i have downloaded free software from the net that is an auto dialer. So they like others have been added to my auto call list. The tables have turned and now they know how i feel. Well no they don't...i piss myself laughing now when they call knowing I'll return the favor very soon =)
I keep receiving calls from them but my bf is the one answering and they keep asking for me which i dont understand bc i dont owe anyone money! This has to be a scam. They keep askin my bf if hes my husband and i he can verify my last 4 digits of my social and if i live in a apartment which i have never lived in one before.
Update: Anthony Franciotti is a supervisor there, his direct is 647-722-6019
Update: Anthony Franciotti is a supervisor at Gatestone, his direct is 647-722-6019
Call Sarah Power at 416-969-2236
or Luba at ext 2972
or Anthony at ext 6805
I highly suggest calling one of these numbers and asking them to remove your name/number
The number I have for them is: 1-800-445-6367 Bank of America. This number is also a collection agency but by a different name.
Their name is GATE STONE. This is probably another scam like American Bill Pay .org. They claim to be a company that does
the leg work for these grant, lies and more lies. It costs you between 926.10 if you are a senior or $940.00 plus tax if you're not. But they don't really pay anything.
Beam Electronics Industrial Co.,Ltd. is a Japan based company We require your firms Legal services in some outstanding payment matters with a number of debtors in your jurisdiction. Please confirm your firm?s availability in this regards for services, A referral would be welcomed if this is not your area of practice. as we await your prompt reply.
Do have a nice day.
Beam Electronics Industrial Co.,Ltd.
3967-36 Wada, Matsumoto City, Nagano Prefecture 390-1242
Tokyo Zip 110-0008
I DO NOT KNOW WHO THESE PEOPLE ARE OR WHAT THIS LETTER IS FOR I AM PAYING WHAT I OWE THEY ARE PULLING NAMES OUT OF THERE A**
they are only allowed to call your thrid party once and only once to get your address or phone number
I keep receiving an automated call from these guys. No message about the company, just "return this call as soon as possible". I figured it was some sort of telemarketers so didn't call back. But after receiving the third call while on holiday, I did return the call. I demanded to be taken off their phone list and the guy I spoke with said my number was not in their system. I was very angry and told him I didnt care what he had to do to get my number out of their sysyem but not to call me again. I think they are trying to sell me "fraud protection" for one of my credit cards. If I hear from them again I am going to call my credit card companies directly and ask them not to use this ridiculous company.
800notes is a public forum to report nuisance calls. 800notes cannot stop anyone from calling you.
You should call BofA and ask if they've sold your debt and if they have, who has it.
The FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf treats the INITIAL CONTACT between collector and debtor (first call, first letter, first whatever) as a special event. Legit collectors per section 809 of the FDCPA *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER.
Note that 3,4,5 must be done *IN WRITING* so you will need to ask an address from your collector. If s/he refuses to give you one for any reason, treat the collector like a SCAMMER.
The collector can threaten court action at initial contact but the FDCPA requires that the collector actually take you to court if the collector threatens it. Threatening court and not going through with it (coercion) is illegal.
If they say the FDCPA does not apply to them because they own your debt, the debt-owner exemption only applies to the original owner. A 3rd party who buys the debt for the purpose of collecting debt is treated as a debt collector and not an owner and must obey the FDCPA as explained in this FTC Staff Opinion letter here http://www.ftc.gov/os/statutes/fdcpa/letters/arbuckle.htm
You can tape phone calls per your state law described here http://www.fairdebtforconsumers.com/Recording-Laws-Summaries.html
You can tape, then sue collectors (google "fdcpa attorney") for violations described in sections 805, 806, and 807, per section 813 of the FDCPA.
Has the statute of limitations for your state http://www.fair-debt-collection.com/SOL-by-State.html expired on your debt? If expired, don't pay.
Collectors generally have to be licensed by your state to practise (collect debt) in your state and you can find out by calling your state Attorney Generals Office. Ask if a license is required and does this collector have one. If not licensed, don't pay and file a complaint with your state AG.
Read useful debt-collection FAQs from the FTC here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
The debt collection process explained in plain English http://www.consumeraffairs.com/debt/fdcpa.html
Be aware that scammers are using bought/hacked/phished loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The FBI warns again http://www.fbi.gov/news/pressrel/press-releas ... nt-payday-loans
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG http://www.naag.org/current-attorneys-general.php as appropriate.
Gatestone & Co calls me every day and living a long-long messages, which eraising all my cellphone's memory, so my clients not able to leave a messages. If I am picking up a call from Gatestone- they starting a long-long confeditionality message, so, I just paid $80 just because of this introduction. We settle with Gatestone my BofA debt for $6000, but then I looked at my credit report, I noticed, that I don't own anything to Gatestone, but to the BofA. So I should not pay them, but can't explain it to them because of long long greeting message they providing before conversation.
Would you please stop them from calling me?
they are now using the #1-800-678-3052 gatestone.. son is being scammed at this time plz if anyone out there can tell me how to stop this scam would appriciate it.
Gatestone (one word) is indeed at the address https://www.gatestoneco.com/. The website does indicate '(Formerly Collectcorp)'. As I live in the province of Quebec, Canada, I can say that they appear to operate here as well. Before returning their call, I'll definitely check out their record with the Consumers Protection Office here to see if they are legit and if their procedures are legit.
I got a call from this number said her name was Samantha Ally with Gatestone calling on behalf of Bank of America. She wanted my date of birth and address. I told her I don't give that out to people who call me. I said for her to message me through bank of america online service, she said she couldn't. Then I told her the next time, that if I could get through to her from calling Bank of America at the back of my card I would talk. I called bank of America and asked if they could connect me, they looked and had no record of either a Samantha Ally or of a Gatestone.
I am very suspicious of them
I don't think they are real. They used my maiden name that I did not use when opening my B of A loans. I called B of A and all my accounts are in perfect order. B of A told me to hang up if they call me again, that they are not working for them. Be careful all !!! Call B of A and ask them if they work for them and if not I suggest reporting to the identity theft division of your police department. They might be scamming people who are genuinely having a tough time paying their mortgages in these tough times. That's horrible! Give them no information and call straight away to Bank of America.
800-562-6420 x 7594 - They are either Scammers or a company that uses REALLY BAD COLLECTION TACTICS. They were looking for someone with my maiden name, I haven't used that name in 20 years and they made my daughter think they were a friend who knew me and got my husband and my cell phone numbers from her and continued to harass each of us for my personal identifiers. I've never had a B of A loan under my maiden name, so I called B of A who said they aren't working with them. In order to rule me out as the one that "owns" the debt, they wanted my birthday which I wouldn't give them, they wanted my middle name, which I mistakenly gave them the initial. I requested today they never call me again after I confirmed with B of A that all my accounts are fine and there are no mistakes anywhere. B of A instructed me to never talk to them again or give them information. There's a chance that these guys are "preying" on people who are in fact behind on payments in some cases so that people think they are "real" BE CAREFUL, DON'T GIVE THEM YOUR BIRTHDAY, YOUR SOCIAL OR YOUR MIDDLE NAME OR ADDRESS....NOT EVEN OTHER PHONE NUMBERS! GIVE THEM NO DATA. B OF A CONTACTS FOLKS BY MAIL AND THEY HAVE THEIR OWN IN HOUSE COLLECTION DEPARTMENT !!! Even if they were real, I would never work with a company that has this kind of poor collection technique, but I genuinely think they are scammers!
Gatestone is a collection agency, formerly Collectcorp.
A collection Agency-Gatestone?
This is a collection agency (probably not legit). See website...looks very suspicious! https://www.gatestoneco.com
Got a call from this number looking for a relative claiming their name is Gate Stone (might be one word). No info on the web about this company. They might be a legit collection agency or they are a fraud. I called them back and gave them the number of the FBI to reach the person they were trying to contact.
Call from an 800 number, I ask who's calling, it's andrea. I say, "I'll give you one more chance, who's calling". She says, "Andrea, I spoke to you last week with your wife Kelly." I don't have a wife Kelly, nor do I have any debt in default. Must just be phishing for information on this poor Kelly person.
Debt collection. They're calling an old number (this is a new number for me) asking for someone I don't know. They weren't particularly friendly, but didn't keep me on the phone too long.
Scammers who asked for my credit card number but refused to identify themselves.
Scammers asking for my credit card number and refusing to identify themselves.
Does anyone have the address for the collect corp collection agency for the bank of america cc. I want to send them a ceast and desist letter because they keep calling my moms house..
I have been getting several calls from this number in the past 48 hours. So far, the same thing happens every time, that is they do not leave any messages. Telemarketers, spammers, scammers, debt collectors all use these tactics. If messages are left (which seems to be rare), they ask you to call back on an 800 number. Be aware of the fact that even if you have your phone system set up to block your caller ID from being displayed, it will show up on the caller ID at the receiving end if you call a toll-free number (800 888 877 866 855). The reason for this is the owner of the toll-free number is paying for the call and has a right to know what phone number the call is coming from. What an individual does when he/she receives one of these type of calls is up to them. As for me, I do not call back ANYONE (especially toll-free numbers) that does not leave a message. Bonne chance.
Jweather.com Computer Services
Bank of America Card Services (their credit card division)
FIA Card Services. Calling on a personal business matter from Phoenix, AZ. reachable 8a - 9p mountain time.