You can check for yourself if your in the real system, also check your credit reports. Your entitled to a free credit report once a year from all three company's:

How to see if your on the chex system list:
http://www.wikihow.com/See-if-You-Are-on-Chexsystems-List
**************************************
credit reports:  Experian, Equifax, TransUnion
http://www.consumer.ftc.gov/articles/0155-free-credit-reports
***********************
File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
http://www.stopfraud.gov/report.html
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/

Also read up on the laws and your rights:

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:

http://800notes.com/forum/ta-944ec1426a8bcbb/ ... service-attacks
************
http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
*****************
http://www.net-security.org/article.php?id=1828
***************
http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
******************
http://www.fdcpa.me/fake-process-server-injunction/
******************
http://800notes.com/forum/ta-9413b3202bc8b6c/ ... net%27s-tactics
*******************
http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
*****
http://www.cashnetusa.com/consumer-notices
*****
http://800notes.com/forum/ta-4f7d326029dcf9d/ ... lectors-finally
**************
Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

? filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim?s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims? relatives, friends, and employers.

Received several calls from various numbers from someone named Tammy 855.812.3817, 844.867.4079, 877.239.2435 leaving messages saying that they are from chex systems... saying that i owed money to paydayloan company.... When I asked for details, they could not provide them and said they were gonna move forward with legal action if I didn't pay.. I called chex systems directly and they said that they ONLY represent banks and would NEVER call anyone directly on behave of a payday loan company...Beware of these scams!!!  

These scammers are also calling form a 1-866-837-1004 number.  They keep changing their numbers every month.

Just got a call said I was going to court for fraud of using a check from a wrong bank.  check services stops all of my checks.
They said if I paid $600 + today I would get out of going to court, then they reduced it to $462 then if I could pay $100  today.
I wouldn't have to go to court.  I just got out of the hospital and couldn't remember all that we talked about!

I been getting these calls from different Numbers. I have talked to the statepolice and they have said it all a scam. Ppl don't have anything else better to do. They need to get a Life.

Got the same and previous calls from a pr company and I had taken a loan for 2000$ and he had my personal information and will be seen in court for the debt. Little do they know that I never sign of institute money matters under the sudo name that they say I took the money with. Ha-Ha-Ho

They said I that I took out a payday loan and the check was deposited in my account and that I never paid it. This is a scam.

Received call from them as well saying they were check systems (chex systems?) and that they were threatening to prosecute me as far as giving a bounced check in 2009 and it is now 2013- I also experienced hang ups as well with them. I was trying to figure out what they were talking about I have no clue what they were talking about & they had my address, my RECENTLY changed ph # & last 4 digits of my social.
I ask them how they got my phone number, they claim to have access to a database that is used by law enforcement. They put me on a fake hold to send an email to prosecutor in my county to not file a suit against me that lasted maybe a minute-playing stupidly obvious games. First they said that some lawyers bought the accnt & was going to sue me then another person said Chex system was gonna sue me.
IS THIS A SCAM OR IS THIS FOR REAL???

(((Cupping hands over mouth))): "'BUSTED' stamp needed on shill aisle six---STAT"

I also received a call from 8552099997 on 9/5/13 stating that my name, SSN, and employment info had been reported to them in the past 7 days. Now, this I didn't fall for, but only because I was still shell shocked from a scum bag scammer who called my hotel room in Indiana claiming to be from the front desk. I believe the person, whos name may be Kelsey Thomas according to the investigation, must have said he's found a sucker and passed my information on to the next scum bag. They only left one message, but after reading the posts, I am hoping they call back so I can release the beast on those crooks.

Got harassing calls from this bogus scam artist. They call themselves check systems and I returned the call and got voicemail saying the guys name was Adam Banks. It is all bs. Do not talk to these people and I hope they are caught and arrested ASAP!

I received the same messages as all posts within this section. First call and I called back without an answer .stated they had my info .

thanks for all the info here, got this call today from the 855-209-9997, I previously got this same call, I would say maybe a year ago or more, and looked it up, and marked it on my phone as a scam. They make your faith waiver tho and think maybe someone is after you, so you start to look for verification again, which i did and found all of this info. thanks again.

How does this company and others like them get information?  Like others get the call and return same...the ph is answered.., Legal Offices ,Check Systems... Can not get an address to write and advise to not call again...so just BLOCK CALL

I received a call from Check systems about a loan on June 7, 2011.  I made a loan and did not pay it and I e $1500 from that point and could set up a payment to them or go to court.  I made a loan with a company and paid it off on May 31, 2011.  This company said I made another loan on that date and that doesn't happen on online loans.  You have to wait at least 5 days before you can get more money from a company online for them to verify your information.  I have not received anything in the mail since 2011  about this claim and the man stated he would email me the information.  He refused to email me anything.
I hung up and this is the same scam I have been dealing with since 2011.

I received a call on  Sept.11 2013 about a checking account that the collection agency  had. that they were charging me excessive fees an that they would be able to get it settled for a smaller amount. well it sounded good . the so call manager name was Reilly  an his Number was 1-585-730-6403. so I paid them a 50 dollar payment today an three other spread out over the next few weeks. they were having me sign an E- Signature that they E-mailed me but I didn't sign it. because something told me to have this 1-855-209-9997 NUMBER checked out an found this website.so yes they may have got my 50 dollars but lucky I didn't authorize the other payments. hope they catch these Scammers!

I got a call from the same number,and will not be giving them any info!!! BULL CRAP!!

same as all the above - do not call back with any information.  Bunch of scammers. Saw all of the comments as listed above.

Wow! I just received a call from 855-209-9997 and I let my voicemail catch it. The message stated my name and social security number was given to them regarding a check, and I needed to give them a call as soon as possible. So I tried calling the number back and got a guy that was actually looking for my mom. I took down his info and decided to do as I always do and look the number up. Low and behold I see all these complaints that proved my suspensions to be true. I called back to see if I would experience the same as the reviews, and surprised the heck out of Mr. Shawn Rodgers. I pretended to be my mom and asked what was this about. He asked for a complaint number and then gave me the last four digits of my mom's social security number. Then preceded to pretend to be looking up my file. He goes on to say a check cashing company reported me for taking out a loan I never had any intention of paying back. I asked for the name of the check cashing company and he game a list of the different companies it could have been.  None of the companies he mention have my mom ever dealt with. To top it all off, when I informs him that she has never used any of those companies, he then sites off her email address and an old address we had four years ago. As a matter of fact, it was the address of the Marriott we stayed in when we first moved to Florida. Mr. Rodgers claimed they wanted to settle with me on the balance of $752.00 that included taxes and interest, for the settlement amount of $400 and some dollars. When he found out he wasn't going to get any money, he said he will further pursue the issue and was ready to get off the phone.  Please be wise people. These folks have gotten information from other websites that we visit for whatever reason, and is using it to try to scam us out of our hard earned money.  Ask plenty of questions and if they can't provide the answers, hang up and report them.

they called and asked to verify my social???

It's not enough to just not give these scammers money, don't even give them your time. If you so much as SPEAK to them, they will keep calling, AND give your # to their scammer buddies to call you too. Send them to voicemail, or make a recording of an automated "the number you have reached has been disconnected" message and play it back for them.

who are these people??? scammers??? keep calling me

Received a call from an unknown number, listened to the voicemail and they said to call them back as my name and account had been turned over to them for collection and they needed to update my information.  I did not return the call.  Verified number was a scam

Same EXACT MEssage today  about 1pm. -   "Chex Systems" stating that my name, SSN, & employment information was just reported to them as little as 7 days ago.

NEVER used a payroll advance, NEVER used Chex systems, or Checks Systems -
Just listened to V-mail and had a chuckle over it -
I feel sorry for those people that panic and give some BS Artist on the other end of the phone - their Bank info.. All because someone is "upset" and threatening them with made up crap!!
Please stay strong people!  Don't crumble to anyone who is demanding you pay NOW!
and FYI - you CANNOT GO TO JAIL FOR FINANCIAL DEBTS - or LACK OF PAYMENTS!!!
It's ILLEGAL to even make that claim - I learned that when I filed for Bankruptcy!
NOBODY IS GOING TO JAIL - or IS GOING TO BE PROSECUTED for "Lack of Payment" on ANY Loan or Debt!!

Just got a call from the same number. Read all my info. Said they were chex systems. I asked them to spell it and they said Chex systems. I told them they did a good job scamming my info and I knew that chex systems does not call out. The man then said "if you know all this why you wasting my time?" I replied I needed to get more evidence of fraud. He then said F*** you and hung up. It was fun to waste these guys time and frustrate them. Maybe I'll call back several more times...for more evidence....LOL

I just received a call from 855-209-9997. The guy told me they were filing a lawsuit and I googled the number it says they are scammers.  I called the number and told them that I have reported them to the FBI and they are under investigation. He did not argue with me.  What do they think that people are stupid.  I don't think so...thanks to google we can find everything out.  I also told them that I found out they do not belong to Chex System.  They need to get a life and get a real job

They called me today on my cell and home number.  Talk with some dude who had all my info Soc Sec Number, phone bank accounts blah blah blah.  I was told I had a debt over 1500.00 from a payday loan company.  Wrong! Never did.  I asked he send me the paperwork and that was the end of the call.  These guys are good, but the Indian guy blew me away some time ago.  Threating me and all kinds of suff.  Hid my stash for a few days. HAHAHA

Received this call 11 minutes ago.  I really have fun with this bogus and impudent individuals.  My husband works for the phone company and he took the number and retraced it back to BMG which is a scammer call out of the Bahama Islands.   He reported it and he has close ties with the proper agencies for harassing and scammer phone calls.  These people need to get a job and do something productive in their life, rather than being just a burden on society

I recieved a call the name he used was Steven Matthews and said it was from check systems as well. When I asked if he could fax the information to me he hung up immediately!! I figured that they we definitely scammers especially after reading the reviews!

I have received calls from Patrick Wagner, Michael Anderson, Mike Jones, etc from phone numbers 8552099997,8554789375,5857306167,5857306165,5857306400 all claiming to be from Check Systems indicating check fraud.  They give me 4 cases numbers and also indicate which bank the checks were from.  They have called work, home, cell, and even relatives.  I believe this to be a scam as when I call for further details &/or ask for written correspondance none is given.  They have been calling for months.  I have fallen prey to these types of debt collectors as several years ago I was in financial trouble and sought out PDL as a way out.  This was the worst mistake of my life.