regarding audobahn collectors,

Call Schumann and associates, they may help in fact
they said they are very backed up regarding this company which is a collection agency, these guys
are actually freezing people's bank accounts beware, or call DMCC they are  a consolidation company for payday loans or just bills in general and have an A+ rating on the BBB..

I wouldn't take to audobahn without first speaking to one of the above people.

Anyone want advice on how to deal with company contact me with your contact info.

Thanks.

If they mess with you, call them over and over each day till they get tired of you. Don't be rude but keep asking over and over for documentation. Turn it around

Might be the fact that illegal interest rates trap hard working people in a bad situation where the pay the loan three time over and the scum bags want more , a** wipe.

We are coming for you and your illegal bunch.

Autobahn Financial is using also this number: (855)720-0142. I also spoke with them agreed to send them money because I did not want to give my bank info out. Didn't want anyone's hands in my accounts anymore. They said they don't except money through Money gram etc. Gave me some lame excuse. I guess they don't want there money that bad..

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

Please give me a call at 757 642-4192

I was glad I decided to look this company up because they have been calling me for a long time but I could not hear the name of the company clearly, They have been threaten me since this summer but I have not seen anything yet.  So I've been ingoring the calls.  I glad to find out that this is a scam.  So thank you very much

Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer?s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
****************************************
A Collection Agent May Not?

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer?s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.

Proof Please?

1.Name and Address of the business.
2. Owners Name
3.Court cases won and lost?
4.Legitimate website address
5. BBB?

Your tactics may work on those that do not know their rights under the FDCPA.  For those that do, your tactics will land you in court as a defendant.

Actually we do have an attorney's office on the third floor.right across audubons office. All you people shouldn't have even taken the loan to begin with if y'all had no intentions on repaying. That's why our tactics work and we get paid on ya broke aszes.

Got a call several times in the last week from Audobon Financial Bureau threatening me with court filings, being arrested and having me fired from my job because of a supposed unpaid internet PAYDAY loan.  Funny thing is that they cannot provide original documentation of the debt to which I have asked for per the FAIR DEBT COLLECTIONS PRACTICES ACT.  I have asked them not to call my work and they state I am being evasive and they need a letter from my employer to stop that - that is another FDCPA breaking.  And lastly they have received a CEASE COMMUNICATION letter from me and I have the Cert Mail Return Receipt where someone signed for it and yet they say they have no record of that letter.  B***S***! They received it - probably trashed it so they could say they didn't get it and yet I have a signed document sent back to me from the USPS! GO AWAY SCAMMERS! Nobody wants to deal with you and you have dealt with the WRONG person! I have reported you to the rightful authorities!

Total scam!!! I recieved a call from 866-460-1956. A man named "Chris" claiming to be from Audubon Finanical Bureau. He called me in regards to a debt but never read a mini miranda therefore he was in violation of the FDCPA. And when I questioned him about it he didnt even know what that was. I asked him to send me something in writing he said he could only send an email which is another violation. He started to yell and curse when I told him only send me mail notification and then hung up. Please do not fall for this scam. Their are numerous complaints about this company.

Here's your spelling lesson of the day: Thieves not theifs as you put it!! Not only are you a low life collector but you are also the village idiot.
And FYI - an email or fax is NOT the same as a registered letter through the US Postal Service. Get a clue! You are just trying to dodge a mail fraud charge.

What a joke. You obviously work for them. They can't do what you said. EVER!
OR you have a lien against you from some other entity that sued you in court and got a judgment against you.

A payday loan company is not a financial institution. That statute refers to banks and such. There is NO bank fraud involved when someone is unable to repay a payday loan. Most close the accounts after these loan sharks withdraw 10 times what the person borrowed and the poor people see no end in sight!

My sisted emailed me that I needed to call Stacy at ABF 866-655-9452 x 202 because of a "bad check" issue.When I called this place, I was transferred to a "Mrs. Robinson" (go figure) and when I asked is this Stacey she said yah this is Stacey Robinson.I asked how she got my sister's number and she claimed they called the phone number on the paperwork, which should have been MY PHONE NUMBER.She then proceeded to argue, scream, accuse me of leading her on, regarding a payday loan from CashWebUSA.When I asked her to send me this in writing I was screamed at and accussed of trying to weasel my way out of paying the debt.While she was talking to me, there was background talking which made it very hard to hear.She claimed she was the only person in the room (liar).Her demand was for $353 TODAY! with credit or debit card.I offered to send bank check and was laughed at.After I agreed to debit card I was switched to "Michael Moore" who verified my information to be processed on 6/28.When I asked how to contact them I was given the 866-655-9452 x 202.SCAM!!

First some young lady calls me, who is obviously reading from a script. She tells me that they have already filed papers. I told her 3 times, that I will see them in court . She keeps talking though, and saying that "at this point" they were giving me a chance to settle out of court. I said, No , if the papers are already filed, I will see you there. She kept talking, so I hung up. Then this Mike calls, and he is very rude, insulting and threatening. He claimed to be a lawyer and that the first young lady was supposedly his paralegal. They both need to go back to school!

They are preying on the fact, that people are clueless and easily intimidated. I am neither! I would welcome the chance to meet these a-holes in court. I hve documented every call they have made, and would love to get it in front of a judge!

There should not be anything on your credit from this company they can not post to your credit or collect on a debt without a bond or license. You must work for them if you are going all crazy stating they put a hold on your accounts...not possible there has to be a judgement for that and this company will not take you to court. Good try trying to scare people in thinking this is a legit company.

MY CAPS LOCK IS STUCK.  I DON'T KNOW WHY YOU'RE CALLING ME NAMES?  I WASN'T TRYING TO HURT YOUR FEELINGS AND I'M VERY SORRY.

I'M REALLY SORRY IF I OFFENDED YOU, I WAS JUST LOOKING THEM UP BECAUSE THEY OFFERED ME A JOB, AND FOUND THIS THREAD.  I WASN'T DEFENDING THEM, BUT I WASN'T DEFENDING PEOPLE WHO TAKE OUT PAYDAY LOANS EITHER, I WAS JUST TRYING TO SEE BOTH SIDES OF THE ARGUMENT.  MY CAPS LOCK IS STUCK FYI, IF I COULD WHISPER I WOULD.  AGAIN, I'M REALLY SORRY YOU'RE SO MAD I SAID SOMETHING, THAT WAS NOT MY INTENTION.  I DON'T AGREE WITH HOW PAYDAY LOANS ARE COLLECTED AT ALL, AND I NEVER MEANT TO UPSET YOU SO MUCH.

Really if you are not associated with this shady company at all why are you even on here (you either got a call from them or you work for them because you just dont go online and google a company without being associated with them one way or another), why are you YELLING, why are you soooo defensive? You are not impressing anyone with your definitions and rants on this Company. They are conartist and liars, this forum is for people's experiences with the company and that is all...so what if they had a payday loan that was then bought out by a THIRD party debt collector who doesnt know what a license is or bond to collect on a debt and calls and lies and threatens people to pay a debt. If they are such a great company why are there sooo many lawsuits out against them. People should not be scared into paying a debt, the laws should be followed and steps should be taken, if not then they should not be paid nor profit off of someone elses crisis.

So for almost a year now I have been receiving calls from these same people and what they do is start with one company and in a matter of three or four months you will start receiving calls from a new company stating you owe from a loan you have taken out.  Well now I'm not too sure if this is a lie because I have been in the process of buying a home and come to find out I have a lien on my credit report.  What do I do now, again I'm starting to think this is not a lie because how could they do such a thing, hmmm?.?  And they also state they are going to put a hold on my money with my bank, so how does this work?.?

The reason so many people default on payday loans is because the loans NEVER end. They take money from a persons account over and over AND OVER and yet the loan is never getting paid off because the interest is so high. The only way to pay off the loan is to pay off the entire borrowed amount plus the insane interest all at once. Most people who take out a payday loan don't have that much cash available all at once and the payday loan companies know this. So the poor sucker who took out the loan endures months of payments being withdrawn from their account with no end in sight. Usually by the time the person who took out the loan "defaults" by closing their account they have already paid back the minimum of 4 times what they borrowed in the first place. So you don't know what you are talking about "BILL COLLECTOR". Your all-caps posts show how stupid you are. So in answer to your question, most of these people have paid! ALOT! Because of these shady payday loan practices, mosts states have cracked down on how long they can withdraw money without applying money to the principal so the loan can get paid down. Unfortunately for some people, these laws came too late. Now they have scumbag bottom feeders like yourself trying to make a buck of someone who's already been taken to the cleaners. You are a loser "BILL COLLECTOR".

I ADHERE TO THE FDCPA IN FULL EVERY DAY, WITHOUT FAIL, AND HAVE NEVER RECEIVED A SINGLE COMPLAINT AT ALL.  PAYDAY LOANS ARE A DIFFERENT DEAL THOUGH, AND I COULD NEVER HANDLE COLLECTING ON SUCH QUESTIONABLE DEBT.  ALOT OF THESE "VICTIMS" KNOWINGLY RIP OFF THE LENDERS BY AUTHORIZING A PAYMENT TO RECOUP THE FUNDS THEY WERE LENT.....THEN GO TO THE BANK AND PULL THE FUNDS BEFORE THE PAYMENT RUNS.....OR HAVE A "DO NOT HONOR" APPLIED TO THE FUTURE PAYMENT.   THIS ACTUALLY FALLS UNDER THE LEGAL DEFINITION OF BANK FRAUD ACCORDING TO USLEGAL.COM "Bank fraud is the criminal offense of knowingly executing or attempting to execute a scheme or artifice to defraud a financial institution or to obtain property owned by or under the control of a financial institution by means of false or fraudulent pretenses, representations, or promises.

It is to be noted that 18 USCS, § 1344 deals with bank fraud, stating:

Whoever knowingly executes, or attempts to execute, a scheme or artifice

(1) to defraud a financial institution; or

(2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises;

shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.

UNFORTUNATELY NO D.A. OR A.D.A. WILL PURSUE THIS BECAUSE IT'S ALMOST IMPOSSIBLE TO PROVE THE INTENT OF THE PERSON AT THE TIME THE ACT WAS COMMITTED, AND DEFINING A PAYDAY LOAN COMPANY AS A FINANCIAL INSTITUTION CAN BE SKETCHY AT BEST....A FACT THAT IS WELL KNOW BY MOST OF THE PEOPLE WHO STEAL FROM PAYDAY LOAN COMPANIES.  
SO YES....THE TACTICS USED BY THESE COMPANIES ARE DOWNRIGHT WRONG AND I DO NOT SUPPORT THEM IN ANY FORM, SHAPE OR FASHION.  I'M JUST SAYING THAT THERE ARE TWO LEVELS OF ACCOUNTABILITY HERE NOT JUST ONE.  YOU CAN'T TAKE OUT A LOAN ILLEGALLY KNOWING YOU'RE NOT GONNA PAY IT BACK, AND THEN POINT A FINGER AT THE ILLEGAL ACTIVITIES OF THE INDIVIDUAL TRYING TO COLLECT IT.
BOTH PARTIES ARE WRONG, AND PAYDAY LOANS SHOULD EITHER BE NONEXISTENT, OR PURSUED CRIMINALLY IF SUBSTANTIAL HARDSHIP CAN'T BE PROVEN.
IT'S A TERRIBLE SYSTEM AND SHOULD BE DONE AWAY WITH ENTIRELY......CRIMINALS ARGUING WITH CRIMINALS.

People are not upset about owing a debt - they are upset because of the ILLEGAL way many debt collectors try to get them to pay.  There are rules and regulations (FDCPA) to be adhered to.  And by the way, many of those who are in debt are having a hard time paying because of unexpected medical bills, job loss, disability.  If a debt is owed, then yes, people should honor their obligation to pay and hopefully work with their creditors so that they can pay what they can and when.

And for the record, I worked at a credit union once, and our collection department went above and beyond to help people who could not pay.  As well as adhering to the rules of the FDCPA.  As the saying goes, you'll catch more flies with honey than vinegar.  Again, people get angry and upset because of illegal actions on the part of debt collectors.

THANK YOU FOR WISHING ME LUCK IN MY CURRENT CAREER PATH, WHICH I AGAIN ASSURE YOU IS AT A MUCH MORE REPUTABLE COMPANY THAN AUDOBON. I KIND OF GET THE IMPRESSION YOU WEREN'T VERY SINCERE, THOUGH.  EITHER WAY, I CAN SAY I DON'T WORK THERE, AND YOU CAN SAY "YEAH YOU DO!" OVER AND OVER AGAIN AND WE'LL GET NOWHERE, AND BOTH BE ANNOYED.  WHAT IS YOUR CAREER GOOD SIR/MA'AM?  JUST WONDERING SINCE YOU SEEM TO BE IN A PLACE TO JUDGE PEOPLE FOR HOW THEY FEED THEIR CHILDREN AND PAY THEIR MORTGAGE.  I THINK THERE'S MORE HONOR IN CALLING SOMEONE AND ASKING THEM TO PAY THEIR BILL, THAN BORROWING MONEY AND BLAMING THE PARTY ASKING FOR THE MONEY BACK, WHEN YOU SUDDENLY DECIDE NOT TO RETURN THE FUNDS.  I'M SURE YOU HAVE A RESPONSE FOR THIS AS WELL, BUT THERE WERE SEVERAL OTHER ASPECTS OF MY PREVIOUS COMMENT THAT YOU FAILED TO ADDRESS, ALMOST AS IF YOU WEREN'T CONSIDERING WHAT I WAS SAYING AND WERE SOLELY INTENT ON MAKING ME LOOK BAD. IF YOU COULD RE-READ MY POST AND RESPOND IN FULL TO ALL THE ISSUES I MENTIONED, AND NOT JUST THE ONES THAT JUSTIFY NOT PAYING BACK BILLS THAT WOULD BE AWESOME!!!  THANK YOU FOR READING AND RESPONDING THOUGH....OH....AND IT'S SPELLED "MANNER" NOT "MANNAR".

It is obvious you do indeed work for them..good luck with the whole debt collecting job...this forum is to discuss the mannar this company collects and how wrong they are. If they followed laws and collected in a manner that wasnt to SCARE people into paying them back then it would be a whole different story. They are collecting debt illegally, maybe they should second guess their career path.