716-923-7408 or 855-735-4666

Marval and Associates

200 John James Audubon Parkway
Buffalo, NY 14228

Located near the Amherst Police Department

Also goes by AFB or Audubon Financial Bureau audubonfinancialbureau.com

They are an illegal collection agency that is not licensed in any state and has no compliance officer

Scum Bag owners name is Adam March, Dan Valentine may also be part of this office

Start the sue fest have fun people its your early Christmas present

I made the mistake of taking out a few payday loans last year.  I kept receiving upsetting voice-mails from AFB associates, as well as the office of "United".  Each claiming to represent different payday loan companies.  AFB was the worst of them though.  They called threatening to have my driver's license suspended, and claiming that they were already in the process of filing with my county.  Although I was pretty sure that it was illegal for them to make such threats, I also have read and heard horror stories of payday loan companies purposely not providing people with the summons to appear in court, so that they can be granted more money owed, when the person doesn't appear.  I have heard of people going to jail for what started out as a $250 loan.  Then they were told they owed over $2000.  Even though I know all of that is illegal, I was still afraid that they would pull something like that.  So I finally called them back to schedule a payment.  They had all of my info already, so I didn't think to question at the time whether they were legitimate.  I scheduled "a one-time settlement payment" with each of these companies.  United got $300 from me, and AFB got close to $900.  United did email me a confirmation after I had to call and tell them that they forgot to send me one.  The confirmation/receipt looks like something I could have just made myself.  AFB did not send me any receipt or confirmation at all.  I called Ms Pollowski, who was the person who kept calling, and who I had spoken to when I called to schedule payment.  It had been a couple days since the payment had posted to my account (which the payment they took was actually slightly more than what was agreed) and I did not yet receive a confirmation.  She told me she would email it to me in 20 minutes.  6 hours later I called again and spoke with "supervisor" Mr Bowers.  He then told me that I would receive a notice in the mail after 30 days.  I asked "why then did Ms Pollowski tell me multiple times I would receive an email right away?" After some BS about having to wait 30 days to make sure I don't do a charge-back to my account, I asked "well if I were to do a 'charge-back' wouldn't you have a record of that which you would be able to use against me?"  He said yes, but he didn't want to have to take any chances.  He then stated that he would see what he could email me, but was afraid that if he did, it would come back to bite him later.  It was ridiculous the things he was saying.  He ended stating that he would email me a confirmation, but he never did.  At least by that point I had at least been a little wiser, and recorded the phone conversations, and saved the threatening voice-mails.

I just got a phone call from them today. The Federal Trade must not have been able to do anything in regards to these people. I am going to contact the Federal Trade today and make a complaint. This bogus company needs to be put to a stop. They are scamming money!!!!

I got the same phone stating that I they are collecting on a loan from the cash store. I have never had a loan there. They threatened me with a judgement and liens on my property. They threatened to call my family members, which they did mention the names....don't know how they got their names..scary. These people are so rude!!! I told him that if he contacts me again or anyone that I know that I would have my brother who is an FBI agent contact him. I said since you have the names of my family I am surprised you didn't do your homework to see that he works for the FBI. The man hung up on me. I called back and and I continued to call every hour for two days just to give them a taste of how it feels.

DO NOT give this place any money...they are a SCAM!!!

Has anyone ever been arrested because of these people from AFB i keep trying to get info from them or have them send me somthing in writing they just hang up and keep ahrassing me with arrest

This woman called me today claiming to be from progressive mediation today and threatened to sue my husband for a payday loan that we never authroized or signed and have no contract we had gotten a payday loan from advance america and they gave all our personal info out to outside agents and we researched the place called hydra fund and found out it was a scam company that had r checking account info and was taking money out of it we put a stop on anything coming out from them and now they gave r personal info to someone else who are now threatening us with check fraud I dont know what to do I looked them up and have found all kinds of scams on them they not only discussed his personal case with me they called my whole family telling them that we are getting served and sued for check fraud then my mom was calling me talking bout what is going on beware of hydra fund and doing payday loans online and advance america they give out your personal info to outside agencies...

Person has been calling to look for my ex babysitter -  rude as hell and lies and now has given me part of that babysitters social security.  The secretary was worse!  Tried asking people for supervisors and they would hang up on me.

They got over 750 dollars from me and now when I called to find out why I didn't get a reciept in the mail the number has been disconnected.

My brother recieved a call from these people looking for me he gave me there number 1-877-764-9809   and I called them back I ended up reaching AJ Hankins or Hopkins, When I asked who he was with and what he wanted he said he was with AFB Associates and that he was callin on behalf of The Cash Store( Which I did have a loan with 2years ago) When I explained to him that I was filling for bankruptcy he said that my bankruptcy would not cover this and that they were going to charge me with a $2000.00 court cost, a $250.00 fine, garnishment of my wages or tax refunds and ask the courts to suspend my license until everything was paid off unless I wanted to settle for $496.89 imidiaetly when I explained I didnt have that he said well we could seperate it into 3 payments for you, I agreed to that and sure behold The day they went to take the money from my card they took way more then what they were suppose to, I did a little research and found a posting of them being a scam I called my Gerneral Attorney and asked him if there was anything open against me and he said no!!!! these people got 175.00 from me that i will never get back but at least I know they are a scam and I know they wont be able to get anymore money from me

Got a call from ryan ferguson on my cell and at work. At work number acted like it wasn't me he proceeded to tell me all kinds of information.   I questioned him about it and he said he didn't say much stuff as to what call the was pertaining to.  The number he called from is 1-877-764-9809.  How can we make these companies stop.

These are the same people calling and leaving messenger on my phone playing like they are a investigator and need to get intouch with them right away.  People, are getting tire of these kind of calls and this has happen before with a different phone number and extension number.  When calling this phone number the same person answer the phone like a business.  These calls need to be look into and stop this scam immediately.F

Got a call from these jerks trying to collect on a payday loan.  I told him that I didn't owe them any money and that many months before that company was issued a cease and desist letter.  Each call is considered harrassment.  He said that they were filing a lawsuit against me on Wednesday.  I said I will countersue for harrassment and to quit calling.  Then he started getting rude.  I told him to F*** off and hung up.  He called right back.  I screamed F***  OFF!!!!! and hung up on him again.  He called 4 more times, I just kept hanging up.  No legitimate collector acts that way.  Payday loans are unscrupulous (sp) with your information.  Unfortunately, I found this out the hard way.  I think (can't prove but it makes sense) that they sell your info to whomever will buy it for more $$$.  That's how the scam artists get away with it.  Just ignore them, they eventually move on.  If you are really concerned, tell them that you are recording the call.  Make sure that you have a recording device going when you say this part.  At that point, they either hang up or they get worse.  If they ever really tried to sue,  this would blow their case out of the water...you would never have to worry about debt again.

The silly woman may have said "ABF" not ABS.  


Audubon Financial Bureau
PO Box 901.
Getzville.NY.14068

Phone: 716.218.2152
Fax: 716.218.2153
Toll-Free: 855-272-1373

These fools are Nationwide Debt Management Services!  All of the above sounds Very familiar, unscrupulous collectors that do not follow the FTC regs.

http://www.audubonfinancialbureau.com

Debt is Civil Court NOT Criminal Court. No one is going to arrest anyone for a civil matter. Debt collectors can however TRY to sue you in civil court and can win and receive a judgement against you IF you ignor them. Be cool with these jerks, find out who they are and get an address where to send the payment.  Don't let them demand that you pay them thru Western Union, DEMAND an address.  DO NOT admit to the debt, just get their information.
If that is possible to get this information, then you can send them a cease and desist letter.  You can google "cease and desist" and a bunch of stuff will come up online that you can copy.  Send it to them registered.

Just got a phone call from a woman from this agency. Possibly from a debt collection agency. Really freaked me out until I saw this thread about the phone number! Who in America doesn't have debts right now?? Are they arresting everyone in the United States?? Flipping retards and crooks. I have bounty hunters and police officers that have run backround checks on me because of my job and that I coerce with regularly. Don't you think they would have told me if something illegal or some other type of legal issue had popped up? Just saying I don't believe this for a second. And the fact that they have the last four digits of my social security number really worries me. THIS is what is wrong with the world. Ugh...

I got a call on my cell number and work number from a Mr. Santorini. Says he is the main arbitrator with AFB Fraud Department and left a message with the usual threat that I committed check fraud, they will file a judgement against me so my wages can be garnished, lien on property, suspension of drivers license, etc. Even though the original call came from 855-676-2516, I googled the number he left for me to call back, which I didn't, - 888-682-7475 x106 and it shows that it belongs to:

Anchors Weigh Apartments
300 Commandants Way, Chelsea, MA 02150
Call: 1 (888) 682-7475

What's up with that?

same creeps just change there names and numbers how they get our info is beyond me, when i see there number pop up i answer ________county sheriffs office, they hang up

Guy left a voice mail stating he was from the county office (knew what county I live in) and said I or my attorney should return his call about a hearing on Thursday and gave me a bogus case number (searched country records and the format given was not even correct).

Got a call to my voicemail from 855-676-2516. A "Mr. Marshall" impersonating/claiming to be from the Travis County District Attorney Office saying that there were charges being brought against me for a fraudulent check. The callback number was 877-771-9170 ext 113.

This is crazy! The same guy just called me. He left a voicemail and the same name you stated. I just googled the # he called from and pulled up these complaints. Debt collectors will say anything to get you to pay. He said pretty much everything you said.

I freaked out when they called at my work saying they were sending out a process server (I could get fired for this) from a "supposed" payday loan I took out 11/2010 from someplace called Payday One. Said I commeted check fraud & that I would go to court. She said the initial loan was for $500 and then put me on hold to see if she could get them to settle for this amount. They agreed to 2 payments of $250 and waive all the fees and interest. I went ahead and did this. Now what do I do? I don't recall the loan, but they did have my info and names of friends. They said they tried to send me a certified letter to my address (I never received this)...HELP! (ph # was 855-266-1256) called themselves Progressive Mediation Group

I got a call from them today but it went to voicemail stating that "we're calling with the firm of AFB and Associates.  Please have either you or your legal representative return this call.  Our phone number is 877-771-9170 and the "case number" is XXXXX"...this is a crock of shyt!  The "case number" is an account number and more than likely is a debt that I owe...debts are civil matters, not criminal matter unless you do indeed commit a criminal act (in which case, you would not be contacted via phone and asked for money).  The moment you contact them and acknowledge who you are and the debt itself, the statute of limitations begins or starts all over again.  I put that number on my blocked call list and moved on...noone can come to your job (or home) and arrest you for a debt like this.  I repeat, you cannot be arrested for non-criminal acts.

I got a called today saying that I have two judgement against me. That if I didn't want to go to court I had to contact them today. If not a summon will be delivered to my work.

I also got a call and there saying that I have two judgement and that I will be getting a summon to go to court. So i'm scared.

I received a call when I was sleeping yesterday and got a voicemail stating that this is Tom Landry from the invesigations fraud unit and he gave my info last 4 of my ssn, dob, and drivers license number.  He then stated that it was very important that I get in touch with him along with my criminal lawyer.  I called him back and he started giving me all this federal 18 fraud law and was talking to fast for me to understand.  I asked him three times what company he was with and the first two times he said he was with the invesigations unit and the third time he told me he was with the federal burearu of finance.  He then said that a Mr. Lipski who is a courier was coming to my apartment to give mea summons and that I was to go with him to the courthouse with my criminal laywer and that he needed me to pay him within the hour in order for him to stop the summoms.  During the entire call he tried to get me to pay on this past due payday loan I did online, I told him I was not able to pay since I just paid my rent.  He then said to go ahead and have my rent go overdraft in my account so that I can pay him, I told him no I was not going to do that.  I contacted a friend of mine who is a criminal detective in my county and he said that he has heard of no such thing, told me to report them to the BBB.  I called back to get the company name was given the name real fast and when I asked them repeat it they put me on hold.  I called the US Tresury dept to see if I had any public debt on my SSN was told no.  I called my local courthouse to see if I had any summons on me; I was told that county court did not do debt collections was transfered to district and was told I do not have any summons on my name.  I was then called later that night and Tom's (whose name miraculously changed to John) secretary stating she was calling from ASB and associates and was calling to see if there was any type of arrangement that could be made before he turned in his judgement today.  So far I have looked up everything I can about this company and was not able to find anything about fraud investigations unit.  I was so scared about being summoned and arrested that it took me an hour to process all this info; but by the time I processed this info it all started to sound like a debt collection agency using inappropriate tactics to get me to pay.

this person called my parents home (i used for a message #) upsetting them saying that i was doing something fraudulent. The guys name was something like Sanvantino. i called the number back but got a recording.m i'm not sure what the company name is...something like AUTO BOND FINANCIAL BUREAU

Did anybody show up? He just called me this morning & said they were sending someone to my job @ 2 o'clock to serve me.

I got a phone call this morning from some man threaten me he was sueing me for a payday last year  i supposely got and he would be @ my home @ 2 to process me w papers and he was rude and screaming @ me... And i needed 2 send him 140.00

I received a call from Mrs. Jackson and Thomas Landry from 855-676-2516 ext 119 they are asking me for 1020.00 I am a Cancer patient and do not need this type of collection activities plus I have reported them to the federal trade commission and Better Business Bureau. I will go forward  to file a lawsuit for harrassing me.  The federal trade got their info and will pursue to close those offices down.  DO NOT GIVE ANY INFO ABOUT YOURSELF EVEN THOUGH THEY GOT IT SOME HOW OFF THE INTERNET> BLOCK THEIR CALLS ITS ALL B***S***>

This is a call from an offshore collection agency that completely ignores the collection laws in all the States and will threaten you with law suits, court suits, prosecution for fraud, etc etc. One even told me he was waiting on the courthouse steps and would hand over the file to the prosecuting attorney unless I sent him a Western Union wire for $__________.  I asked him where he was and I would meet him there so we can do it together. He hung up.

There is nothing the U.S. authorities can do about it except enact laws that limit who creditors can sell their delinquent loans/receivables to. They only use the telephone and fax and email because if they were caught using these collection tactics in person at your door they would be jailed in many States.