I have been getting calls from this number for years asking for Hak Sue Shim. told them multiple times to remove me as I am not that person. yet every few months another call

credit one/ bankone... alled my emloyer from over 10 years ago and told them i was applying for credit and they needed to verify employment. OVER 10 YEARS AGO!, THEY CALLED OVER AND OVER AND WOULD NOT STOP UNTILL I GOT IN TOUCH WITH THEM AND THEY "PUT ME IN THE REFUSE TO PAY FILE" they are relentless and rude, i dont know who the original debt was from and they  could not tell me. the best way to get them to stop calling is to tell them to stop

Called for "Jeanie McMackin" on my cell phone. That's not me -- I have no known credit issues and have had the same cell phone number for well over a decade. To my knowledge, the number never belonged to anyone else.  Thought I'd call and let them know they have a wrong number. Not going to bother after reading here.

This company calls me every two weeks for the previous owner of my phone number. I've never picked up the phone, but today I finally got tired of their calls and called them to stop calling me. The woman on the phone had the worst attitude ever. I have requested them to stop calling me months ago, but the company still does. The woman denied calling me regularly. It's the same woman who calls me each time. Her life and job must be miserable, because it showed by her lack of courtesy and respect. Very, very rude!

I had a message on my cell phone calling for a person I did not know from this Credit One Company. I called them back and told them I did not know who this person was and that is was'nt me, and they got mad at me and are still calling

There's no such thing as a "new line".  Someone else has your number before you  got it, possibly as recently as 4 weeks before you got it.  The caller is probably looking for the person who had your number before you got it.  That's probably why the previous owner changed his number, to get rid of this pest.  

Ask your provider if the number can be blocked.  Or put the pest's phone number in your contacts list and assign it the ring tone "no ring".

I keep receiving calls from this number in my cell phone, sometimes they call every seconds, this is ridiculous, I amost never use this cell phone as it is a new line I got and almost all the time the phone is off.  I read other messages left by people who are receiving calls from this number and said it is a bill collector.

Continued calls from a company called Credit 1? I have no idea as to why I am getting these phone calls as I have never had a CC card with them and own no debt! I believe this is a scam/fraud company! Anyone have any ideas as to what this is about or a lawyer handling cases of this sort. Or a number to call
to report this to the proper authorities?

They keep calling and asking for someone other than myself... Of course I don't tell them my name... they get annoyed with me and ask if I know how to get a hold of people whom they are looking for!  Idiots!!!!

I finally answered this call to see if I could put an end to the harassment. Big mistake. The woman was very nasty. I asked her if she was calling from a debt collection agency and all she said was that she could only talk to  my husband because it was about his personal business account. I know for a fact that he's never had a business account with any credit card company or bank for that matter.

I tried again to get her to identify her company other than by the name Credit One, but she refused to tell me anything about the company. She got very combative and said she's been calling our number for a year, (since August 2010 - don't know what calendar she goes by because that's only7 months by mine), and she said she's done dealing with me. It's the first time I ever spoke to her. When I told her my husband wasn't living at home she told me I was a failure as a wife for not passing along the message to him.

To top it all off, I decided to call the 800 number back and got a voice mailbox. The person who called me back had nothing to do with Credit One and it appears his cell phone number was hijacked by Credit One.

Continued calls from 800-748-8670
I believe it is a debit collector trying to scam people with debit they do not own!
I have not ever answered any of their calls but they call at least 4 times a week or more if I am not at home!

The caller stated they were calling to arrange a payment plan for a card issued by Chase. The way they spoke lead me to believe they were the bank. I am filing for bankruptcy and informed them they would have to speak with my attorney about any financial matters. they took my attorney's contact information and concluded our conversation.

my husband had a c-do 14 years ago that he turned back into the bank on his own. well anyway, 3 years ago we started getting these calls and threatening letters in the mail.  Well my husband call this wonderful number back it was credit one.. saying we owed them 6,000 for something he only paid 2,000 for all those years ago.. Anyway he didnt want his credit tranished anymore and started paying them 190 a month.  Now i have lost my job and cant pay that stupid bill, because we have more important and needed things to pay.. well they call me, I don't answer, within 10 secs his phone is ringing.  5 to 6 times a day.  We have both cused them out... it has been awful..They lie to my husband and say i never sent a payment, when I did!!!! that gets us in a fight, then I call them and start cussing and there like oh no we found your payment... I HATE THESE PEOPLE!!!!  What can we do to make them go away...

Folks.. just remember, always deal directly with the issuer, not Credit One or Debt Collection companies like them..

These companies buy the debt for pennies on the dollar and try to collect as much of it as they can to make a profit, and they sometimes do..that is why they get desperate after a while and try to make a deal with you for half... but there is nothing they can do unless they actually sue you in court and win a judgement..rare, it costs them money,that is why they try to scare you.. The banks write your debt off and take a tax deduction, these companies are BOTTOM FEEDERS and really have no right to the money.. If they actually collect it they are not going to give it to their client, they keep it ! That is why all you have to do is not respond to their calls, or mailings and avoid them.. there is a statute of limitations on how long they can TRY to collect and then they have to leave you alone.. if you continue to take their calls it resets the statute and they will bother you forever !! SO IGNORE THEIR CALLS, SCREEN THEIR CALLS and avoid them... all that usually happens is you get your credit dinged and as long as you have one or two cards you keep using and are in good standing with your credit will eventually come back !! WITHOUT A BANKRUPCY.. Also, go get a PO Box and change all the addresses on your credit card accounts to a PO Box online.. it will say you can not do it but you can most times fool the software by typing it all in one word..ex, POBOX9119 Anywhere, FL get it.?. This way all your mailed bills and threats go to your PO Box and you can periodically screen it.... after a while they fade away..

IGNORE THE IDIOTS ON THIS SITE FROM THE COLLECTION AGENCIES.

Folks, it is important to remember that Credit Card debt, is UNSECURED debt, and is unlike Collateralized debt, like a Car Loan or Mortgage, which is backed by the physical asset..

There really is nothing they can do but harrass and threaten you... Credit One and BOTTOM FEEDERS like them know that and that is why they continuously get into trouble trying to scare you into paying. Just ignore them and deal directly with the issuer...

They also hire UNEDUCATED morons, who really belong in McDonalds or Burger King. These are the same schmucks that were hired by all the mortgage companies to write all the horrible mortgages, the same SNAPPERHEADS that screw up your fast food order...!!!

It is important to deal directly with the issuing bank with regard to your account, with the assistance of an attorney. If you do not have the money, check with your local community or legal aid society for help..

VERY IMPORTANT !!

When you do NEGOTIATE with the CREDITOR, and you come up with an agreement, make sure you have an attorney draft a letter and also, on the check, make sure it says " BY Cashing This Check The Recipient/Creditor Acknowledges and Agrees That This Account is to be Considered Paid in Full and all Credit Reporting Agencies will be Notified as such"

Do not let them just call the account SETTLED.. PAID IN FULL is what you want for Credit Repair Purposes ! if they call it SETTLED after they cash the check, have your attorney pursue them to have it change to what is agreed to in the letter and on the payment Check !

Credit One belongs to Sherman Financial Group, LLC:

Credit One Bank, N.A., also known as First National Bank Of Marin, issues Visa and MasterCard credit cards to the individuals in the United States. It provides online card access, online bill payment, and customer services. The company was founded in 1984 and is based in Las Vegas, Nevada. As of March 10, 2005, Credit One Bank, N.A. is a subsidiary of Sherman Financial Group, LLC.

http://investing.businessweek.com/research/st ... rivcapId=782164

Now, go to Bud Hibbs' website, and you will see that Sherman Financial Group belongs to LVNV Funding, a junk debt buyer:

LVNV Funding, LLC
DBA/ Resurgent Capital Services, LP
Dba/ Alegis Group, LLC
Aka/ Sherman Financial Group, LLC
aka/Pinnacle Financial Group
Fka/ Sherman Acquisitions
Aka/FNBM, LLC
Aka/Ascent Card Services
Aka/Ventus Capital Services
Aka/Performance Recovery Group
Aka/Receivables Management Solutions

Bank of America Building
200 Meeting St., Suite #206
Charleston, SC 29401-3187

15 South Main Street, #600
Greenville, SC 29601

(Caution: Phone numbers are disconnected on a regular basis)

Phone: 888-665-0374  864-678-8421 877-264-5884

Fax:   888-546-7697  864-370-4998

(Phones ring at Resurgent Capital, Greenville, SC)

Kevin Branigan, Charleston, SC, Officer
Leslie Gutierre, Charleston, SC, Officer
Scott Silver, Charleston, SC, Officer

Websites:

http://www.lvnvfunding.com/
http://www.rcap.com/
http://www.resurgent.com/

To see how these organizations are structured go to:
http://settlementscams.com/debtcollector.pdf

All of these bottom-feeders started from the same mold, Sherman/Alegis out of Houston was originally started by Frank S. Russo, Tony M. Ettinger, Thomas E. Upton, Samuel Bergman and Richard Dunn all of Houston, Texas. They purchased old debts for pennies, and then set up collection agencies to collect on them at inflated prices.

As with most bottom-feeders, they have had to resort to placing all accounts on consumer credit reports, inflate the balances and demand settlements. Alegis became Sherman, which became LVNV and now Resurgent and Ventus are all in the bottom-feeder business. They do file lawsuits, most with bogus affidavits and pleadings. They use under-educated employees such as Allison Moon of Greenville, SC to sign affidavits where she lies about the authenticity of accounts (see ?Allison Moon is a Liar? below) in their attempts to give credibility to their bogus pleadings. The problem with liars like Allison B. Moon is she makes statements known to be false. Her swearing is nothing more than hearsay and an attempt to defraud consumers out of monies they may not legally owe, not to mention the fraud she and her organizations bring into the courts. Consumers dealing with these bogus filings and affidavits are urged to challenge their validity in order to avoid becoming another victim to their scam and being ripped off.

You are further urged to go after these bottom-feeders for the lies they place on your credit reports. Under provisions of the federal law, the Fair Credit Reporting Act (FCRA) any item placed upon your credit bureau reports MUST be ?accurate.? In my experience, I doubt anything placed by a bottom-feeder could ever meet the legitimacy of that test. Consumers are urged to dispute any LVNV, Sherman, Alegis, Resurgent, Ventus account with the credit bureaus and make demand upon the organizations and their owners to abide by the law. They receive a fat check to lie about things that cause you misery, higher interest rates, credit denials and in most cases, don?t have the required documentation that would meet the definition of ?accurate.? All of these owners, board members, attorneys and employees can and should be held strictly responsible when that information does NOT meet the legal definition, as stated by law.

http://www.budhibbs.com/collectorpages/LVNV.htm

This explains why "Ohio" is now being dunned for an alledged debt which was paid off 10 years ago and "lol" got "cussed out" for another he/she does not own. These defaulted Credit One accounts have been snapped up by these bottom feeders, who are now wanting to collect. In both instances, these wound up in LVNV/Sherman's "debt pool". Here's how this happens:

Surviving debt collection for the next few decades

Political Gateway - April 1st, 2009 - This article?s mission is to prepare you for possible nightmare debt collection problems in the next decade or two. It is important for you to read this whether you are having problems now or not.

What kind of debt am I talking about?
Your debt, for the purposes of this article, is mainly centered around car loans, mortgages, and unsecured credit. These are the items most likely to be involved in future issues for your family. This also concerns people who are not late and actually paid off debt or sold a house.

Debt process
2 things happen, you pay something off or you go into default. Paying off a debt is good, but it is not always recorded properly and can still go into a debt pool. A defaulted debt will go to a ?normal? collections process. Either way, eventually this non paid or mistakenly not recorded debt will end up in a debt pool.

Debt Pool
It is kind of like the internet, a big vast mysterious cloud full of old debt. Your old debts languish here until someone decides to buy them and attempt to collect the money owed.

Organized Criminal debt collectors
It is the debt pool that is the target of this article and the people who dwell there. These people may or may not be ?mafia? but you will find that they are very organized, attempt criminal acts in collections, and thus are ?organized criminals.?

Bankruptcy
Even bankrupted debt goes into that pool. On purpose or accident, who is to say, but you will get calls on it 10 to 20 years later. Especially if a judgment was ordered by the courts.

The ?Process? of your demise
The debt thrown into the debt pool is sketchy at best. Usually it is a photocopy of the original contract and some contact information. Usually the data will never include your payment history, any modifications, or even payoffs. Once it gets in the pool an attempt will be made to collect the debt sometime in the future.

This debt is never ending. It could be 15 to 20 years later and you will get a call from these ?guys? looking for the cash. Few of us keep records of payoffs or deals made with debtors for more than a year or so, and they use this against you as you can no longer prove you paid it or had a deal.

During this time, many lenders of secured and non secured debt are going bankrupt, selling your accounts to someone else, or being bought out by another company. In all that mess, your payoff will go missing, your written deal to pay less or be forgiven will disappear, and even your payment history will go missing.

All those messed up boxes and files get thrown into the debt pool. When they come a calling, do you have proof of all that happened to stop them from coming after you?

May sound easy
It may sound easy to have it all cleared up. A few phone calls, a fax or two of info. Or maybe you went bankrupt and can just send them the data? You could not be more wrong.

The best protection is to get everything in writing and keep copies of everything. Get a storage bin or a safety deposit box, or even store at a relatives. Keep at least two sets of EVERYTHING that you pay off or default on and any communications or payments.

In come the 'alleged' criminal debt collectors
Your first contact with them may be many years from now, but it will come. It will be a phone call or a letter. Once they contact you they will come after you fully armed with procedures to financially ruin you if need be to get the money. Even money you no longer owe.

To illustrate, look up on a search engine the term ?Daniel Cadle? (in quotes) or ?Jan Schlichtmann? with it. The Cadle company and its thousands of front companies are all over America going after people like you and me. You will find information that is quite scary. Texas has an arrest warrant out for Cadle if he steps into the state. These people are bad. Just mention them to a bankruptcy lawyer and you will see fear cross their face.

This is just one of many companies that you cannot stop. Even if you fight them in court and win they will just bring another front company up and come after you again. Win a judgment against them? Sure, but the company you have the judgment in has no assets. Their lawyers will bury you fast and furious and it will cost you a fortune to stop them.

They will file a judgment against you. I suggest going to that courtroom with a lawyer. If there already is a judgment or if they win one in your case, you are now in real trouble. They will come after your wages, cars, bank accounts, any and all assets. You can bet your life on it. Bankruptcy? Unless you are going chapter 7 and have nothing in assets, you are gonna find it near impossible to stop them.

Remember that movie with John Travolta, ?A Civil Action?? His character Schlichtmann went bankrupt in the end. Years later, he received a payout from some later work he did on that same issue the movie was about. Cadle came after him. A ten year battle ensued. Word has it he got help from some Harvard lawyers. For ten years these lawyers battled this company. Eventually they went behind Cadle and bought the debt from the debt pool. Then Cadle still came after them.

Do you think you have a chance against them? This company is one of many, maybe all connected, that will do some bad things to get your debt. The old victims of Cadle website had horrible stories from people who were harassed and intimidated, all against the law, to get debt. In many cases debt that was not owed.

I do not owe anyone anything
You wish. You never know if something is not recorded properly or the final payment is registered correctly. An old debt you paid off from a collection agency may still be active. In ten years you will get a call or letter asking for the whole amount of the original loan.

Pay attention
Not paying attention to your mail can cause you to have some debt collectors with a court order at your door, with a tow truck, to take your cars for an old credit card debt from 15 years ago, that you paid off!

Protection
You can only protect yourself by keeping complete records and backups. Bankruptcy records too. Keep them all for as long as you live.

Why now?
Why bring this up now? This stuff has been going on for a while and the state attorney?s do little to stop it. Each is a nightmare, but it is a personal nightmare. Well, right now about 10 million people have issues with home mortgages. Millions laid off. It is getting bad for huge amounts of people right now.

This means, the future for these 'alleged' criminal debt collectors (Cadle is just one) is very bright. You can expect some job openings as they have about 20 million people?s records to go through for the next few decades. And just like Arnold?s character the ?Terminator? they will not stop until they get you. Ever. And with so many people in trouble, it looks to be a good decade or two for them.

Some thoughts
Always open mail. You will only receive one piece of paper that needs to be signed, that is usually the summons to go to court for the judgment against you. After that, they only have to send you a copy of any legal attempts they are doing (like going after wages or bank accounts or other assets).

A common thread seems to be a huge increase in letters from them that are junk, just ?pay us? stuff. Then slipped in that blizzard will be a letter saying you have 10 days to come before the judge or they can garnish your bank accounts. If you do not see that one letter, then you will first find out when your bank does a courtesy call to tell you 12,000 has been garnished. Good luck with that.

Always open the mail. If you see a collection company, look them up online right away. Or if you get a phone call from one, look them up online. The search results will usually be very helpful in finding out whether the collector is a regular and legit company. If you see a lot of bad stuff about the company, and lots of victims, you should probably think about a lawyer right away.

If you cannot go bankrupt to stop them (assuming they are really coming after you), then you should realize your assets may be taken from you. No bank account is safe. It would be wise to use a spouse?s accounts and make sure your name is not on them. This includes other assets too. They will not go away. If you have money, you can decide to fight them or pay them (even if you do not really owe anything). However, you will never see any money from them at court and agreeing to pay them usually gets you in more trouble as they will start going crazy with interest.

The judgment is the key, prevent that from happening and all they can do is illegal things to come after you. This is the best thing you can do. Most assets will be safe then, but you will still deal with intimidation and nightmare collections for a long time.

Write your state attorney general as soon as you hear from these people and they break any laws, or if they are going after debt you do not owe. Immediately. This will not really help, but if enough do it, it can cause the State Attorney to get off his or her fat a** and actually do something to help consumers from these scumbags. My guess is the SA will do nothing though.

Pray you never get a call or letter from Cadle. That is an omen of doom for you. You can win every battle, but you will lose the war unless you can afford 10s of thousands of dollars for litigation.

http://www.politicalgateway.com/news/read/173349

they called wanted bank info to recieve payment. i never had any ties with them. they got rude and cussed me out. i swear i wish i cold go face to face id show them alittle something about disrespect lol

They call but they never say who they represent and what is it all about.  They want to collect personal information.  BEWARE

Wow...Credit Solutions is the name of the place...these people are unreal!  This is a 10+ year old debt are they serious...on top of it all the debt was paid 7 years ago...I wish there was something that could be done to these scum suckers...

These people call five to ten times a week.  The message always is imperative - "It is very important that you call me back!"  I have a letter of apology from the company that sold this list to Credit One around ten years back, acknowledging their error - I do not have, nor have I ever had an account with the original company.  LLC is just hoping someone will cave and give them money to get them off their back.  Do not pick up the phone.  You'll be sorry!

these are credit collection scum bags.  they must be calling from the cubicals in hell. These were the bitchest women I have ever spoken to.

Credit One???????????