are you sure not impossible traiter operation system and to be continner ressayer or recomencer activer your ballance enquiry and account current not correct

Call the FBI, the Department of Homeland Security and your State Police. When they call back, tell them that you are aware they are running an extortion ring, have notified the authorities and hang up.

Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:

http://800notes.com/Phone.aspx/1-631-456-4041/2

I have been receiving phone calls from this group since late April / early May of 2010.  There is a good chance that they also attempted to contact me roughly two years ago before I entered into Chapter 7 Bankruptcy protection, as I faintly remember hearing the same script more or less.

As others have stated, the callers are difficult to understand.  Generally speaking their command of the English language is quite poor and their accents are hard to follow. At times they will get certain words or phrases mixed up.  It would be funny if it wasn't for the fact that they had:

a) Your SSN
b) Your home address
c) Your work address
d) Your banking info
e) Names, numbers and potentially the addresses of "references"
f) A complete and total lack of ethics and a basic understanding of the FDCPA.  

I have personally filed reports with the following agencies, often with limited (if any) success:

Local Police
my state's Attorney General's office
FTC
FBI
Secret Service

Generally the local police won't be able to help much.  The callers are using a combination of prepaid cell phones and VoIP, making them difficult to trace.  Also at their disposal are various spoofing tactics being implemented to catch people off guard - meaning the number that appears on your Caller ID isn't the number that is calling you for starters.  Without gaining a subpoena for the billing information for the numbers in question, the local police won't be able to get very far.  

My state's Attorney General's office couldn't offer much assistance either.  I received a form letter in the mail that my complaint was received and I would be contacted if they needed additional info.  It was more or less the same information I obtained from the FTC.  They each advised me not to give the individuals over the phone any account information or to authorize payment.  That's just common sense, though.

I never got anything from the FBI, either.  There is a good chance that since I haven't suffered a monetary loss that my concerns are low on the totem pole.  I hate to say this, but that is truly the case. Unless you were in the hole for a $1,000 (or more) you aren't going to get much more than "sorry to hear about your situation, change your phone number and move on".  I seemed to get some activity from the Secret Service.  I spoke with agent Doug Zloto. (Google him, referencing threads like these plus his name and you'll find his number also)  He seemed to care a bit more than the average person, but after giving him access to my Google Voice account, there has been no further activity from him that I'm aware of.

In the meantime I changed the wireless number the fraudsters had access to, they have no direct way to get a hold of me.  (Calls at work have ceased for some reason)  That in turn resulted in my "references" getting phone calls from the crooks.  Here is a word of caution for women that have been getting these calls - don't say anything and just hang up.  The callers are quite abusive towards women callers.  Why?  Possibly the culture.  If they are Indian / Pakistani, women are second class citizens there.  You will be treated like garbage.  This happened to a family member when she was trying her best to be extremely nice over the phone.  

The callers currently attempt to reach me through the female family member and an unused Google Voice number that they managed to find of mine.  I keep the Google Voice number open because, well, I can't delete it yet.  So, about every day, 4-5 times a day for the last week, I get voice messages from them.  It's usually just two full messages though - the other calls are broken up with static or they are attempts to read the script until the callers then screw up.  Really, they are that adamant on getting the script 100% that they will hang up mid-sentence and call back 30 seconds later.  

At this point it's a stalemate with these people.  

1) While they have the lion's share of information on us, they can't really do anything with this information.  

Why?  Think about it.

If they were to ever take funds out of your account without authorization, it's fraud and worse (for them) it is traceable.  That's why they won't do anything with your information, contrary to threats they make.  The money from your account has to go somewhere, and either your bank or a law enforcement agency can determine where the money was routed.  As a bank customer you are protected - you'd get the stolen money back in your account after 7-10 business days and the bank would be temporarily out the funds deducted from your account while they conducted their investigation.  The bank, along with law enforcement, would track down the fraudsters and apprehend them.  The fraudsters do not want to incur the wrath of a bank, just extort money out of you.  Remember that.    

Your authorization would absolve the bank from any and all liability, leaving you holding the bag.  Never give them authorization for anything - for all you know the call is recorded.  

2) We have no information on them.

Seriously, this has been going on at least since 2008, possibly longer than that based on some accounts. (6 years??? Holy crap!)  You would think someone would have slipped up by now.  Sadly, they haven't.  We can continue to grow our own intel on them and compile lists of aliases and phone numbers used, along with paraphrases of scripts used in order to educate other victims.  I'm actually putting together a site now in the meantime where I'll host audio files and lists of previous numbers used.  800notes.com is great, but no two calls are exactly the same.  It would be nice to have a site dedicated to the scam and how it works.

So that's where I am with these calls.  I have suffered no monetary loss, though I have been harassed both at home and at work.  They threaten me with arrest and other "fun" things in order to get me convinced I have to pay them.  My friends and family have been targeted and local and federal law enforcement agencies haven't been able to put a stop to things.  So, it is what it is.  I am out a wireless phone number I had for roughly six years, which is terrible since I was using that line when looking for a new job.  

Whenever I'm bored I spoof my number using Google Voice and return the calls.  I've called them the poster children for birth control, etc.  Basically a lot of nasty things that I'm sure the moderators here wouldn't appreciate me repeating - bottom line nothing nice.  I always like to close saying their parents must be real proud knowing their sons weren't man enough to get real jobs.  That usually gets a decent response.  

Way I see it - they can't do anything to me. (Despite a threat yesterday that my life would be f'ed up)  They can threaten all they want but my credit is frozen and my bank information has changed.  I've changed the only number they could really access me directly on and I've instructed my employer and family to not answer the calls.  I just call and harass them now when I find a few extra seconds.  What's the worst they can do to me?  Charge me with harassment?  

Nope, then they would have to identify themselves.

Oh, and don't bother contacting Cashnet USA about the calls.  Their "fraud" department could honestly care less.  Their "investigation" is merely a means of buerocratic CYA.  I would even be surprised at this point if actual law enforcement is involved in any shape, way or form at this time.  

There is a good chance that the information these crooks have on us was obtained from Cashnet USA - either from a database leak or from a collector that was once authorized by Cashnet to call on delinquent customers.  The other chance is they have access to Teletrack, and pulled all of our information off of there.

http://800notes.com/Phone.aspx/1-646-274-1143/3

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General?s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.  

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:  
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:  
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  

If you ever applied for a cash advance online, your information is out there.  
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.  


How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870
1-831-607-9214
1-972-674-3753
1-646-918-5211
1-206-202-4942
1-206-337-7992
1-206-339-8218
1-561-318-0446
1-585-250-8090
1-347-827-0921
1-607-398-0725
1-909-233-7338
1-888-610-5486
1-585-861-9940
1-909-233-7338
1-646-416-9016
1-805-262-6170
1-661-270-6724
1-561-705-0140
1-310-807-0220
1-347-637-6473
1-951-582-4832
1-909-503-0682
1-818-579-7691
1-347-321-6497
1-206-666-3611
1-206-203-0712
1-347-875-8418
1-347-875-9600
1-206-629-9392
1-818-532-9007
1-310-853-3491
1-347-377-7368
1-321-300-4091
1-866-840-2030
1-760-588-2207
1-845-360-0920
1-415-259-5025
1-347-637-6452
1-818-275-4539
1-707-673-9475
1-214-446-5372
1-512-646-2002
1-210-892-2666


So can they really do anything to you?

It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  

So, why haven't they?  

Authorization.  

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  

Bottom line:

If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.

PS--The FBI sent out a Press Release on this scam just last week:

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.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller?s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number?or personal information of any kind?over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
Caller: FBI

please to go inter pass error windows or ressayer new service valide or recomencer multi number card credit correct or incorrect for free or join

Why is this number calling my home and not saying anything when I answer.

Mike,
The CCS I'm talking about, & who has this 877# is Credit Collection Services, located in Newton, Mass.  They DO follow the FDCPA; If in any rep of that CCS was heard threatening someone in the manner you describe, they would be FIRED!  It is possible that your neighbor is being harrased by a different collection agency, also called CCS, as there are more than one.  But, since we were discussing the CCS that has this 877#, I did not realize I needed to make that clarification.

As for the issue with your phone number, many agencies use certain databases to get new contact numbers.  Unfortunately, those databases are not always correct, and contain numbers like yours that may have previously belonged to someone in collections.  So even though your number has been removed by one company, it could end up being located by a different agency.  Also, it is possible that this person may have multiple debts.  A collection agency may make 2 calls a week PER FILE.  (This may also explain why your neighbor gets multiple calls, although it is no excuse for the behavior you describe).

I am sorry that you continue to receive calls, but I hope that this information may help you resolve any further issues.  Also, before you consider taking legal action, you may just ask for a supervisor to assist you if you continue to get calls.

amos....first you know darn well collection agencies does not follow the law.
another collection agency calls me i believe its icr called me three times already and i say sorry these people does not have this number anymore its my new number now and they apologize and we hang up together so im being nice so why do they keep calling me...
second my neighbor is way behind on her debt and your company ccs is calling her many times during the day,,the law says you cant call her for two days if you had a conversation so ccs broke the law,also one of your collectors said to her im going to sue you and take your home away from you,,the law says a collection agency cannot say that you can mentioned you can be sued but not say im going to sue you so you see your company does not follow the fdcpa law

OK, lets clarify this.  CCS is a real, legitimate collection agency.  If they are calling you it is either because you have a debt, or because someone who used to have your phone number has a debt.  Either way you need to talk to these people, and treat them like human beings.  They are just trying to do their jobs.  If they are calling a wrong number just ask them to remove it and they will.  But, if you start yelling and screaming and acting like a complete jerk, then maybe they will be so hurt and angry they might just "forget" to remove it.  Treat them with respect and they will return it in kind!

If you do have a debt, then talk with them, find out more information.  If you wish to dispute it, you may do it in writing, but it has to be in writing!  It's the law.  And this company is just following that law.  It's the same reason why they can't reveal any info until they have verified who they are speaking to, or at least disclaimed that only that person may listen for additional info.  If you don't like the FDCPA then lobby your local congress person to change it!  Until then CCS will continue to follow that law, as well as state laws, as they are written.

STOP CALLING!!!!!!

Return by email. Please quit calling me. If I havent't given you my number that means I don't want you to have it or call me. Thank you and have a bless day. The code you left was 05032598928 Please do not return by calling.

JUST GOING TO HAVE THE B.B.B DO THER JOB.NEED TO CALL AND REPORT THEM EVERY TIME THEY CALL. THEY DO NOT STOP CALLING EVEN IF YOU DO GET TO TALK TO A REAL PERSON AND THEM THAT PERSON DOES NOT LIVE AT THE NUMBER THEY ARE CALLING.

Same deal- these people got my cel phone number AND my daughter's home phone number from "somewhere" - and is calling like there's no tomorrow. same sort of deal with the "If you're not xxxx hang up" and the "reference" number.  I have been widowed 5 years and have no debts (literally) under the 7 year statute of limitations (my husband was extremely ill/disabled and our credit rating "tanked" as a result of decimated income).  I am alarmed to read it's a possible "scam" company too- and very vexed that they keep calling my daughter's home.

This number called my home CCS 8772890281 with another number displayed right below it; 1-301-223-0035.  These idiots claim to be a collection company and all they could do was to leave a recorded message that is obviously full of garbage.  I do honestly believe this number is a scam.

This CCS 8772890281 number has repeatedly phoned my home claiming to be a credit collection company---none of which I've ever heard before let alone I do not owe an uncollected debt.

They continue to call for someone who doesn't list at my address and then they offer to call them back but the nunmber never connects so I cannot get them to stop calling.

READ THIS IT SHOULD HELP<<<<I AM A COLLLECTOR. BUT, I HATE THE ONES THAT BREAKS THE LAW, IT MAKE THE ONES THAT FOLLOWS THE LAWS LOOK BAD.>>> ALSO, I keep getting a call from them. I let go to v.m and it says to call back with ref #. NOW heres the problem. If they are a collection agency they have the right to call but as for at work, they can not call if you tell them not to because you can loose your job. heres the second thing... If they are breaking the laws (calling before or after hours, giving info to a 3rd party Ext.) the company can be charged 2k an offence, and the individual as well. If they are a telemarketing company they are claiming to be something they are not so they can be find a lot more. Hope this helps. You can go it google FDCPA (Fair Debt Collections Practice Act)for complete laws, how to report, ext. Also if you can get an address and or use the one above this, You can send a CEASING AND DESIST COMMUNICATION Letter. They are then require to stop calling you. It tells you all the Laws including what harassment is.  Also some companies even when not ligit some how report it to your credit so keep an eye on your credit and make sure you dispute it if it is not truely yours. HOPE THIS HELPS EVERYONE. One last thing I do not believe it is okay for any company to do a recorded message at  home or at work saying that because you did not hang up they will assume it was you. As anyone could be on the line or get the messages and its against FDCPA  to disclose information to a 3rd party or in such a way that a 3rd party would know it was a debt collector..

Good afternoon,

These people call me today on my job and left a reference number for me to call them.  Isn't it illegal for them to call my job? Can someone verify.

Nobody replied when I said "hello", so I called them back. It is "Consumer Credit Service" - a collection agency. They were looking for someone, not me.

I think the reason they just leave a file number is to get the person to call, as if they won a prize or something.

I ignore the incoming calls and let them go to my voicemail, but this has been going on for three weeks at least three times a week.  When i check the message, it is a recording that gives a ref # that matches nothing that I know should be connected to my name.  This is a scam and needs to be shut down.

Keep getting this call and they say, this is a call for Iesaha Adams.

this is a collection department of progressive insurance they keep calling and will until you change your number

2-3 times a day, even sudays they call... same thing every time... a computer voice says, this is a call concerning an important business situation (or some such) then gives a phone # to call and a reference #...

They called me also, I just got this phone 3days ago.

Thank you for your help

Yea, I got the same squirrels (877-289-0281) calling me also.  I think they also use the numbers; 888-244-9317 & 800-786-9330.  The one I spoke to did not speak very well and seemed unclear as to his purpose

The message left on our Home Telephone Number left this message.This is a Telemarketing call, this is a personal business message for Andrew Joanne.
The call was made April 27, 2008 10:35AM if the intended party cannot be reached at 732-348-5402 please call 877-289-0281 and we will cease further attempt to this number. Google states that CCS is a scam 877-289-0281  and a lot of people received letters of collection, each letter getting more aggressive than the ones before. CCS Companies is listed as a collection Agency by Google they also have another ntelephone number under 617-965-2000
I will contact my local police number to see if these numbers for CCS can be traced, I will also conatct the Fedral Trade Commission because telmarketing without my approval is a crime and telemarketers can be fined heavily. That should put them out of business!! CCS does not list Addresses or Names when these collection letters start, that's another proof that it is a scam.

They call me daily and sometimes leave amsg and sometimes not,,I owe nothing to anyone

I've received calls from these people, and even after confirming with Farmers Ins. that we don't owe anything, CCS has continued to call. I just filed a complaint with the BBB in Mass. There are hundreds of complaints that have been filed against CCS, and I intend to send them a cease & desist letter also. Their address is
2 Wells Ave.
Newton MA  02469

Miss Early may have hit the nail on the head on this for me as I used to have insurance with Progressive Auto Insurance.  I paid my last policy off 2 months in advance.  A few months later I have no idea why they would call for me.  The automated message did say my name.  I got a message to call back 877-289-0281 today.  Being that it went to my voicemail and the line stayed open to record the automated voice said "By remaining on the line you acknowledge that you are *my name*."  I didn't acknowledge a damn thing.  Is that part legal?

Yep, got a call from them today too. I called back. First thing they said was "this called might be recorded for quality..." and I said, "be advised I'm recording this conversation as well". She says: "No sir!" and she hung up! Done. I wonder if they will call again.

The law is specific about this regarding collection agencies. If you tell them that from then on they can only contact you by mail and NOT by phone, they are bound by the law to do it by mail only and not call. Of course, some don't respect the law, but that's the law. I wonder if it's legal to record a phone conversation without telling them, while it has been already stated by the other party that the call is being recorded.

Credit Control Services, Inc. d/b/a Credit Collection Services. 2 Wells Avenue. Newton, MA 02459. Tel. 617-965-2000. Fax. 617-762-3035

I was dropped by Progressive because I mentioned I had to go to LA. They said I would need to purchase an additional insurance policy to cover me while I was in LA. So I would have to be paying for 2 policies for 1 vehicle. If this is right, truck drivers are required to have 49 insurance policies? I HATE PROGRESSIVE. They expected me to pay for the rest of my insurance and I refused to there new terms. So they put it on my credit. $105. Screw Them! I have been with Progressive since I was 17. I have never been in a wreck. 15 years of profit! Now they are sticking it to me for $105 for insurance coverage that Im not even getting?