i received a call from this stating they were a collection company and wanted to help me resolve a in debt bill. i gave them the information they needed and in three months time my bill was paid off or so i thought. just yesterday the debt collection agency called me and said i needed to try and resolve this debt before any further action is taken. i assured them i had already paid it off and they asked me for the name of the company i paid it off from and i told them capline loan servicing (which thats what showed up on my debit card bill statement) and they informed me that that is a scam company. now what do i do?  

I don't know why I'm getting threatening phone calls from this company, but I would like to be removed from thier list of calls.  From what I've found on the internet, this appears to be a scam.......

Received a voicemail on my work phone. Couldn't understand most of it but it was Brad from Capline. Said he was calling about a forensic audit he was doing for the county and was trying to reach William Davis to give him a chance to clear things up... First of all, the only William Davis I know is my half-brother. Who lives several States away from me and I haven't seen in years. I certainly don't have any kind of documents linking us together. I definitely believe this is a scam.

Crazy thing is, the guy didn't even leave me a call back number. Kinda hard for William Davis to get in touch if you don't leave a number, just a threatening message.

Received a phone call from this number extension 225. Tried calling back multiple times. I would like to know if this is legitimate or a scam.

caller didn't identify herself ...just said that she was invstigating a fraud which I was supposedly involved in and asked for my name and street address.  The rest of you morons are wrong....this is a scam artist trying to pull one on over anyone who answers that telephone number

They called my uncles cellphone & left a voicemail for me. I dunno how they would even get his number. It's a little weird. They called saying they wanna hear my side of the story on a forensic audit they're investigating. Hmm. Should I call that number back?

I'm skeptical of this comment. It is highly possible you were being scammed (e.g. the debt was legit but they didn't do anything to help you)  OR that you are actually working for them and trying to legitimize them for folks like me tracing the number.

I have received and recorded several bizarre voicemails from them and am bundling a report to the FCC and the police. They usually mention some outstanding problem I have with Kapline/Capline and/or a lawsuit against me from my county (if such a suit existed, I'm sure my county would have hastened to inform me themselves). As a student with no debts or other legal problems whatsoever, I'm immediately aware this is a scam. Most older adults will have some debt problems and when they receive a harassing call  can't be entirely sure if it's legit, so they're forced to play ball. This backfires on the few individuals who are completely clean. (And I do have an identity protection service which has confirmed my identity is currently safe and I have no uncleared debts or anything of that nature).

The voicemails use scary sounding buzz words like lawsuit, matter, county, outstanding problem, etc.They demand you call back before the issue passes out of your control (which is kind of funny considering that they've been calling for months with the same basic script, although the county name changes each time). What they DON'T do is ever mention for whom they are calling! They must rip numbers from somewhere and cold call figuring that 99% of the time, the person they reach does have an unresolved debt or legal issue. DO record the voicemails however. I'm sure these folks are just tools but since you never know what information they might have on you, so establish a trail in case their ultimate purpose is fraud or identity theft.

I got a call just like this from Brice too, in regard to my husband and an escalating case in my county, let the county contact me.

received a call from this number and after reading everything I was very skeptical to call them back.  My wife (god bless her soul) made me anyways.  Turns out they helped me resolve a debt I had forgotten about years ago.  Pushy though.

This is a collection agency who uses aggressive scare tactics to shake people up. They speak of lawsuits in "your county" and such (similar to how those Indian scammers do). Their goal is to get as much from you AS SOON as possible because they're afraid you're not going to pay the debt, based on your history. But circumstances change and people change. Perhaps you can afford to pay for something today, that you couldn't pay last year...they don't understand this and will try to muscle as much out of you as soon as possible. Just know, this is a collection company.

This number called my mother who is not connected to name they gave.  When I called to tell them not to contact her again they became bligerant and rude.  I will file a complaint with state AG if they call again.

I'm with dicky on this one. They don't know that this is a family member, they are just trying to do their job. cut them some slack. they are just trying to help people avoid legal trouble, i have recieved a few messages myself, and they don't say anything personal but a name. if you think that is harassment, you are a moron

If by "doing their job" you mean "violating the FDCPA", then you are correct, judging by many of the other posts below.  Collectors are allowed to call family members of alleged debtors, but they cannot divulge the details of why they are trying to reach the person, and they are only supposed to call the family member once.  After that it does constitute harassment as far as I am concerned.

dude, its not harassment. get off your high horse about something you don't understand. they are just doing their job

I just received a call from this number and did not answer because I don't answer 800 numbers as a general rule. The lady that left a message said her name was Ivy Nicholas from Capline. She said she was performing a forensic audit on a file that involves me in my county (she stated the name of the county that I live in). She then continued on to say that she was extending a professional courtesy to me and asking for a statement from me to be put on record before her final recommendation was due in order to clear up some inconsistencies that have come up during the initial phase of her audit. She then stated that if I would like to request a voluntary resolution that I may do so but it had to be in before her recommendation was due. She told me I could reach her directly at 877-600-2155 ext. 227. I am writing this because I have read some of the other stories and noticed they are similar but not the same so I am guessing maybe they are trying a new way of scaring people into calling with this new ploy of theirs. I know one thing for sure, I was freaked out when she said forensic audit. I mean what the heck is that? I didn't hurt anybody or do anything that would call a forensic team in to audit me for crying out loud! Geez! Anyway, her forensic scare tactic almost worked and probably would have if I wouldn't have looked up the number first. And for the story I read that said the collection lady was saying "her judge" wouldn't care what anybody had to say. Well I dare one of these scam artist collection frauds to say that to me because guess what, I work at a law firm and I know a few judges of my own, not to mention some lawyers that would eat her for breakfast!!

I think so too

My guess is John works for who ever is calling you.

This number has called me several times asking for a Jennifer Butler. I've also received calls from UNAVAILABLE,  which sounded like it came from a foreign country. I looked the number up and it's Frontier Financial Company. I've told them they have the wrong number and asked to stop calling. They continue to call  my number.

Bryce Tuler Capline keeps calling and asking for someone who does not live. I have been here over twenty years. I even left a message stating no one by that name lives here, yet they continue to call.

Got a call very similar to the one you received.  It was from Steven Black and mentioned the same things.  I checked them out on-line and there is no info on them whatsoever.  I even tried the Better Business Bureau and they have no record of them at all.  I think it may be a scam also.

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

I've received two voice mail messages from this woman.  I have no intention of calling her.  I'd like to know what, if anything, came of her phone calls for you - does she continue to call, has she mailed anything to you, have you been served with papers for possible garnishment??  I have no idea what she's calling about, I'm sure there's an old bill of some kind in my past, but since I have no intention of speaking with her, that piece of info will remain in the dark.  At this point, I'm just interested in anyone's experience beyond phone calls from this woman.  Thank you!

Ms. Gleeb/Kleeb was at ext. 228 and when I asked to speak to her supervisor she laughed and told me "there is no one higher than me."

I received two calls from this company.  The first one occurred last week and I let the caller know that I dispute the debt in its entirety because the debt was paid and I have already disputed the validity of the debt with the original creditor.  Unfortunately because of a flood in my basement, I no longer have access to the paperwork that prooves the debt was paid.  I did tell the caller, who was overly aggressive that I had not received the letter that they claimed to have sent out, and was not comfortable discussing the matter further until I had the letter in front of me, which is my own personal policy and my right.  I asked her when the letter was sent and she could not tell me, saying only within the past couple of days which I found suspicious.  I asked her to resend the letter and she did not indicate whether she would or would not resend the letter, but it did not seem promising.

Today, I received a voicemail from someone that I could not understand and could not understand the full name of the company on the voicemail either because the voicemail was garbled.  When I called back and got a Ms. Gleeb Or Kleeb (sp?)  she IMMEDIATELY became beligerant with me, actually yelling into the phone and accusing me of contradicting myself when she would not let me finish a sentence.  I informed her that she was violating several sections of the federal laws that regulate debt collection and she became even more beligerent.

When I asked her why I STILL had not received a letter from her company she said that she only has to prove to the court that she sent a letter, not that it was received.  When I asked why I had not received the letter she stated that was not her problem.  I also told her to go ahead and issue the "recommendation to her client" that she kept threatening and kept telling me that would be unfavorable, and that I'd just speak to the judge in court and she told me that I would not get the chance to do that (I'm an identity theft victim and have been to court on similar cases and that is hogwash - you always get to appear before the judge!)  She continued to be beligerent and continued to cut me off and when I told her that she could go ahead and take me to court, that I'd have my lawyer handle the situation, she hung up on me.

I then called back and she answered every extension now SCREAMING at me asking me why I thought I could call there and harrass her.  I laughed at that given I was only attempting to get the correct spelling of the company name (which she would not and did not give me) and the mailing address of the company (which she would not and did not give me).  She tried to get me to give her my e-mail address which I would not do because as I told her I was not and am not convinced this is a legitimate matter or a legitimate company.  I am however convinced that this person who calls herself Ms. Gleeb/Kleeb is mentally unstable.  When I asked her calmly how it was harassment to request the address of a business there would be long pauses until she finally hung up on me again.

If anyone does have a mailing address for this company, I would appreciate it because I will be making a complaint to my state's atty general as well as the federal agency that regulates debt collectors.

Taken from Wikopedia

A charge-off or chargeoff is the declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors will make this declaration at the point of six months without payment. In the United States, Federal regulations require creditors to charge-off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days.[1]

The purpose of making such a declaration is to give the bank a tax exemption on the debt.[citation needed] Bad debts and even fraud are simply part of the cost of doing business. The charge-off, though, does not free the debtor of having to pay the debt.

A charge-off is one of the most adverse factors that can be listed on a credit report.[2] It will then be listed as such on the debtor's credit bureau reports (Equifax, for instance, lists "R9" in the "status" column to denote a charge-off.) The item will include relevant dates, and the amount of the bad debt.[3]

While a charge-off is considered to be "written off as uncollectable" by the bank, the debt is still legally valid, and remains as such after the fact. The creditor legally has the right to collect the full amount for a time periods permitted the laws of places of the location of the bank and where the consumer resides. Depending on the location, this amount of time may be a certain number of years (e.g. 3 to 7 years), or in some places, indefinitely. Methods of collection that can be used include contacts from internal collections staff, outside collection agencies, or if the amount is large (generally over $1500?$2000), there is the possibility of a lawsuit or arbitration.

Effects on credit report

With a chargeoff being one of the worst possible items on a credit report, this may make obtaining any unsecured or even secured credit more difficult.

If the charge-off has been paid in full, it will be listed on the credit report as "paid in full." If settled for less than the amount, it'll be listed as "settled." Even such a listing on a credit report can be negative.[4]

Just got a message from this place today.  Said his name was Brad Stooler (that is the way he prounced his name)  Number was 877-600-2155  ex. 225.  Very intense message.  He mentioned the county I live in and if they did not hear from me, his client (whom was not named) would proceed with "their remedies and the matter would be settle without any input from me).  Sounds like scammers trying to collect personal info from unsuspecting people.  I will enter them in my contact list as   Capline Loan Scammers.  Thanks for all of your comments.

Keep getting calls about a debt that they bought when it was written off from the orginal lender. Saying they have a legal action in my county. Do they have this right....how can I stop the calls they are constant.?

I received a phone call from this number.  The person calling said he was from Caplin ____ Servicing.  I could only hear parts of the message, the rest was mumbling - Calling regarding a matter with Brevard County (a county in the State of Florida - I live no where near the State of Florida) against Michael ______ (ex husband).  Client needs an immediate response for a voluntary resolution.  If the client does not hear from me within ________, they will proceed with legal action.  

I don't know how they have my phone number.  I have nothing to do with my ex husband and he doesn't live near the area I live in.  My last name changed around 15 years ago and nothing links me to him.  I called back to tell them they have the wrong phone number.  I do not want to hear from them again.

I got the same kind of calls at my work today. Unbelievable.

An unidentified caller asked for an ex-employee. Even though they refusted to identify themselves or their company, I answered her by saying that employee's did not get personal business phone calls. She proceeded to call 4 more times and asking for my name and company, while insisting to remain anonymous. Requests to speak to her manager were repeatedly denied. I call back and tried to get to other departments, she answered all extensions. She may be a fraudulent person.