They're scammers - first of all they can't file a complaint in court unless they actually intend to do that!  And before they can file a complaint/sue you, they would have to abide by the regulations in the FDCPA - which they have already violated several times in your case.  If they call again, demand that they send a debt validation letter via USPS mail (email or fax is not the legal way to send proof of debt).  This letter would give the original creditor, the date the loan/debt was incurred, when the last payment was made and also whether they are legally entitled to collect said debt in your state.  Also demand a copy of the original contract you signed with the original creditor, showing your signature.  

If they can't or won't send this information to you via mail - which is legally required - they are merely trying to scare you into paying a debt which has either been paid off already, is non-existent or is outwith the statute of limitations for collection.

You should also contact your bank and close your account, so that they cannot access the account and withdraw money without your consent.  You already said that the company they are claiming you owe is non-existent so I would be sure to tell your bank to put a fraud alert on your new account and also contact the three credit agencies to do the same thing (Experian, Equifax and TransUnion).  

NEVER pay anyone who cannot or will not prove you owe a debt!

My brother called me 2 days ago extremely worried because some woman named Kate called him repeatedly.  She told him that I was in serious trouble for writing a fraudulent check and that she was going to file a complaint against me with the municipal court.  Not only have I never heard of this woman, but she is only allowed to call someone once and she isn't allowed to offer any information on the so called debt with a 3rd party.  I was absolutely furious.  How can someone do this.  I looked up their number and it's only a land line.  When you call she says this is Kate in the legal dept.  I left her a message of how she invaded my rights and that I don't know who or what she wants.  I told her to email me any information that she has with proof of this debt and so called illegal check that I did not ever write.  Someone emailed me with basic loan information.  Nothing about the check because the loan their talking about I only gave my checking information at the time for verification.  My phone number and other contact information are all still the same.  So why they decided to contact my brother first and offer false information with terrible scare tactics is beyond me.  I'm curious as to what I should do at this point?  The company that they claim to be is literally nonexsistant on the internet even the number doesn't match up to their name.  If anyone can give me some advice or if anyone else has had this experience with success.  Please share.  Here is the information for Kate Cohen!
info@bandlcapital.com  ( this is where the email was sent from.)
B and L Capital Group LLC recovery
3842 Harlem Rd suite 206 Cheektowaga, NY  14215
# 716-362-2319  (This number is listed as a land line in Buffalo NY Erie County)
#877-630-3682

This might help your case....
http://www.kvoa.com/news/bbb-alert-serious-co ... NcD580.facebook

This is the same scumbag group of criminals that are already under investigation by the FBI.  Jamie C***s and Justin Tata.  Literally 2 of the dumbest criminals in America!  

https://www.facebook.com/justin.tata
http://www.myspace.com/jtata
https://www.facebook.com/jamie.c***s.96
http://casting360.com/portfolio.php?view=2434345#less

They go by many other aliases including:

Simon Eichler & Associates
American Arbitration Services
Legal Processing Services, Inc. (they use the "Inc." even though it is not incorporated)
First Department Recovery Service
http://www.bbb.org/upstate-new-york/business- ... a-ny-235963552/

Like many of you have already said, they will use any means possible of extorting money from you including false reports of arrest, false reports of lawsuits, calling friends, calling employers, phishing facebook and other social media information.

I used to have a whole dossier on this little gang of misfits, but I turned it in to the FBI investigation team.

So I got a call from Investigator Zaganito (sp??) about a serious criminal and civil accusations against me. He sounded very scary and had a case number and everything. I have 72 hours to return his call.  I've already played this game. I've delt with debt and a Chapter 7 and now all my debt has been cleared. The voicemail said to call or have my legal counsel call, assuming I don't have any. Well, I'm calling his bluff and will have my attorney call him and will either get them to stop, or I file a *real* suit against them and all their buddies. He earned the do***ebag of the day by ending the message with "Good Luck".

I received a call from the same company name by this number, 877-834-2585 ext 309. He left a message for my Fiance saying his name is Zacamino or something like that and said my fiance's full name  or an attorney of my fiance's, and saying that they have been getting complaints from some people and that he needs to contact them within the 72 hours before they put a warrant out on him. This was 9pm wheni listened to my message on my phone. I called the number he left on my voicemail and the first thing I heard was "This is first national arbitraion services if you know your extension number go ahead and press your number or if you would like to talk to one of our represenitives and press zero and we will happy to help you."
When I dialed his ext. number it just rang, but no one there and I heard the voicemail and this is what he said " You have reached the Fraud Investigator Dept.  please leave your name and your case number and "ill return your call ( something like that).

It's a scam, ignore the calls.

I got a call from these people about a week and a half ago. The guy said that they were getting ready to file with my local courts for fraud and a few other things. They guy had me in years that I was going to go to jail and that I better ask everyone I know for the money. He called me back a few times and I told him I was making some phone calls to try to find someone that can give me the money. He said a couple times that it had to be resolved that day an when I told him I needed to ask someone that would not be home for a few days he said he would call me Monday morning. After talking to someone I know who told me Internet loans are illegal anyway, I didn't answer the phone this week. Yesterday (Saturday) I got a call from a blocked number and a horrible southern accent that said they were the county process servers office (he did not identify the county name though) and I must be home to receive papers on Monday between 2-4 at my home or place of work (i do not have a job, im a full time student)or the authorities would be pressin charges on my and ill go to jail....has anyone been served by national arbitration? What should I do?

they keep calling and harrasing me

877-834-2585 and 585-366-0556 have called me. Sometimes the same people show up as NUMBER UNAVAILABLE. I have called both of these back.  Both are linked to National Arbitration Services.  I have had collectors insult me when I try to make payment arrangements.  One was so awful that I called the offices back and told them I went on the net to say what they did.  They then told me this particular man would be fired.  Called same number next day, and Mr. Insult was back on the phone, not fired as they said they would.  Too late for me they already have my bank info.  They have called to tell me that my payment bounced when my payment, according to my bank, has not yet been presented.  They said my bank sent them a cease and desist letter, and my bank has done no such thing.  My original note was 200, but now they say I owe 1200.  I have already paid back 400.  These b*****ds have gotten enough blood out of this turnip.

In January I received a phone stating that I owe a payday loan in the amount of 860.00. I did defualt on the loan however it was not for no 860.00 dollars. I then paid a settlement amount of 560.00. August 23rd I received another phone call stating that I had two payday loans. I told the officer that I have only had one payday loan and I have already paid it. They claim to be officers and that my security clearance would be revoke. I was told that I had been frauded and I still had to pay this money.

My parents have recieved numerous calls from these people harassing them.  My parents are older and continually ask me what this is about but i have no idea and am unwilling to give up information to these people so that they can bully money I don't have from myself and my autisitc son.

Fraudulent bill collector.  They gather old bills and try to collect from them.  They barely have any information and they do their best to get info from you.  If they ask any questions regarding what city/county, verify your address, etc., DO NOT ANSWER.  They will write down anything you tell them.  Ask them to fax you all of the information or send it via certified letter....THEY WON'T.  They will just try to get you to pay them something for a bill they aren't even authorized to collect on.  They say things like, "I have a warrant" or "we are getting ready to go to court".  They don't have enough info to do that, nor is it legal.  Advise them you have just record their conversation and see how fast they hang up!!!  They are suppose to sound mean and nasty and threatening...that's how they get your money.  DO NOT ANSWER ANY QUESTIONS THEY ASK OF YOU!!!  You start asking them questions and see what happens and how fast they hang up.  You won't hear from them again.

I also got a call from these "business" people from number 585-366-0556 citing a case number and leaving the
877 toll free number. do not respond to them. They are full of crap.

to start with internet pay day loans are illegal in most states and cannot even be collected on. Second even if they were a legitimate business consumers have rights under the FTC debt collection act.

Ignore them and they will go bother someone who will believe them.

I can provide anyone with the required documentation, letters and addresses required to cancel outstanding internet pay day loans. hugginsjohn@rocketmail.com      

my fee is one time $75 whihc includes all your pay day loans

This office is a complete scam operated by Jamie C***s. He is a convicted felon and a drunk. He works along side a drug abuser named Justin Tata who worked with many other corrupt and failed agencies. Jamie C***s has been pulling the scam that a process server is on the way and the only way to stop them is to contact the petitioners office. The "process servers" and petitioners are in the same office and is all part of the scam to get you to call. Tell them that you will wait for the process server, get as much info as possible and send it to the attorney general. There is already a federal investigation open. Their lines are monitored and they will be in prison. Watch the news they have enough interstate felonies to go away for a long time. Help put an end to these uneducated thieves. Do not pay a dime and if you did you are entitled to your money back. They will be prosecuted. They are breaking the law and the more charges brought against them the longer they go away. Federal sentencing already has them for a good 20 year stint. Good Luck

Don't give them any information! This is a scam. They told me that I was supposed to pay taxes on the money I got from a payday loan years ago. Well I work at a bank and I know that you don't have to pay income tax on a loan. They called me last year and i told them they were a scam and to f off they just started again. If you have by chance given them any financial  information cancel your checking account or debit card and file a dispute with your bank to get the funds back. Tell the bank that Yi were caught in a scam and you will be a le to get the money back. If you don't cancel your account or debit card they can legally continue to pull funds from your account for however much they want since you gave them authorization.I work at a bank and it happens all the time. Sorry for the misspellings but I'm on my phone typing this.

just got a call today and they called my best friend and was very mean to her.

I have been receiving calls from them about twice a week for a month. They want to verify information about me. I just tell them no. They claim to be filing paper work to process warrants, well, I just cleared from the military and had to go through the Military Police who run a check before they let you leave and....nothing! Shocking! Go to http://www.ag.ny.gov/sites/default/files/pdfs ... o_complaint.pdf and file a complaint against these d-bags! I am also contacting the local Police Department where their website says they are located. Bottom line, don't tell the anything, or give them anything!

Sharon called me a weeks ago and demanded I put a payment toward a past due Ace account on a credit card or a warrant would be issued. I put a $50.00 payment on a debit card because they would not accept a money order.  Thursday they called and wanted more and said they had a docket number with Bexar county.This time it was Elena Bennet, but same voice.  I offered $10.but they said no.  Today Mr.Campbell left a message from a 616 area code willing to work with me.  I will pursue this any way I can.  I told them my husband was a paralyzed stroke victim and that I was not working and they said that was unfortunate.  They didnt care and told me good luck with the warrant they were putting out.     They will be cursed in the land of the living because of all the people they have hurt.  If God doesnt get them....Dont worry.......I will.

I recieved three messages from this company that I suspected was A scam,I called back and left them a message that I was going to notify the proper authorities,I never heard back from them.I notified the F.T.C the BBB and tbe Aterny General,THey are A FAKE COMPANY!!!!!!

I received a call today from First National Arbitration Services stating that I had an unpaid loan from EZ Money Corp. They threatened to file 2 felony charges with the county that I live in if I didn't pay the charges. They gave me 3 options: 1- pay 500 within 6 days, 2-pay 750 within 1 month, or 3- pay 1,200 within 6 months. I was also told that if I didn't settle this matter outside of court, the loan company would sue me for $4,000. Norm Anderson was very pushy about getting money from me. I told him that I didn't have a bank account and he told me that he would personally order me a prepaid card from greendot and have it delivered to my home address. I hung up because it sounded like a scam. Has anyone been served with any papers or have any criminal charges against them as a result of not paying the "owed" money?

I was home sick yesterday...Came into work today and had a message on my desk that this Michael Sullivan from 1 st national arbitration was calling all day yesterday. My friend tells me she took the message and this guy was threatening to fax my manager. How do people get away with this? I will update if they call back. Thanks for this site and letting me know that people are dispicable!

I also received a call from that 855-287-0071 I don't appreciate being called with bogus cas numbers trying to frighten me with scare tactics if they were really investigating a fraud case why wouldn't the local authorities come for me I haven't commited any fraud so if someone could please investigate the company first national arbitration services that would be mostly appreciated

just got a call from a DE number. It was a lady threatening to have my local authorities notified if I didnt return the call. I called the number back and there was a male's voicemail. I hung up and Googled the company and came up to this site. Guess I'm not going to think of this any further. Funny thing is: they were calling a residence that I haven't legally lived at in 10 years. wtf?

These people called my brother in law the other day, and just called my home (I let it go to voicemail).  They do not have my name entirely correct but they do have my family's phone numbers.  If they had my name correct,I would be more concerned about a possible outstanding debt from my youth or some such silliness like that.  But since the name is partially wrong, I have my doubts - plus, I had somebody check my credit report a few years ago when looking to buy a house and he never mentioned anything like this outstanding.
What I want to know is why haven't these idiots been arrested?  What they are doing is obviously illegal.
Even with knowing this is a scam, this has left me feeling unnerved.  My heart is still racing from the call.
Has anyone received anything beyond harrassing phone calls?????
Has anyone taken legal action aginst them???

I received a similar call stating that I owe them money from a bank that I do not do business with.  I stated that I would need something sent in writing to my home.  She stated that she can fax or email it - I did let her know that due to fair collection acts I need it sent to my home in a hard copy.  She (Sharon) disconnected the call abruptly after I asked for this.  I Goggled and did see that they have a BBB rating of F (stands to reason).  At this point I really think that they are trying to collect money illegally.  If they were honest they would send something to my home address.

I have been receiving the same calls at my work and on my cell phone. Don't know how they got all my information. I call 1-855-287-0071 Ext 311 for Mr. Patrick Allards. No answer. He threatened to come to my work and serve me papers. Then, he spoke to my secretary and told her that I was going to be served. She told my supervisors and now I am completely embarrassed and wish they would stop harassing me at work.

I got a call from National Arbitration Services to call 1-855-287-0071. I called, but never got a warm body to answer the phone. I did get an answering machine and left them a message that my counsul would be in touch. Probably won't ever hear from them again.

i got a call just like that and they said that they were going to serve me papers as well. so i was just wondering have they served you papers yet?

First national Arbitration Services llc. Check out this link - http://www.socialcolls.com/group/first-national-arbitration-services-llc

Click on members and you can see the pics of these 2 D-bags. They look like the guys that do the SNL skit, Dick in a box LMAO!