877-844-2770
michelley
michelley
2013-10-17 15:46:22
Unknown
These people called and threatened to have a warrant issued for a payday loan from 2006. I stupidly paid one payment last month. I just found out they accessed my debit card witthout authorization and am in the process of disputing the charge.  
St LenHigh
St LenHigh
2013-08-03 11:04:22
Unknown
I worked for a place like this for a couple of weeks until I realized what they were doing is ILLEGAL! Now I must say the people that are targeted did, at one point, take out a payday loan and did not pay it back, but I tell you, there is no such thing as a debtor's prison!!! The reason they have all of your personal information is because the owners of their "company" are subscribers to ECollect, CollectionMax and SimplicityCollect, which are online programs that act as databases for legitimate collection agencies. These people do have real debts! All of their personal information (d.o.b, ssn, current address, phone #'s, etc) is listed in these programs, so that's how they have your information! Be smart! As soon as you get a call like this, google the number! The office I worked at had several rooms, each with 5 computers in it, and all operating on magic jack, so everyone had a different number, different area code too! Better yet, ask these people for their company address and see how long it takes them to come up with something. Google that too just to be sure. I can assure you though, it's a scam. By law, they are not allowed to say half of the things they say to you over the phone.
yef
yef
2013-06-26 22:22:24
Unknown
These people are not stupid, just uninformed on the law and their rights.  They come here to learn more and that's what you have to say to them - insults?  Of course people will know how to handle these scamming debt collectors better once they understand the FDCPA.  You do give good advice in your post but your message is buried by the insults.
Central Scrutinizer
Central Scrutinizer
2013-06-26 22:14:14
Unknown
DID YOU PEOPLE FALL ON YOUR HEADS A LOT AS KIDS? Read the Fair Debt Collection Practices Act.  Atlas Mediation LLC is a SCAM.  Plain and simple.  Don't acknowledge a debt to these people - especially if you didn't have one to begin with.  Don't give personal information or confirm it to them.  DON'T GIVE BANK, CREDIT OR DEBIT CARD NUMBERS!  You can actually go to the people you owe to, if you actually do, and work out a solution with them.  Threats to have you arrested to get you to pay, harassing you at work, multiple calls in the same day, refusal to provide info on the debt they claim are all violations of the FDCPA.  Stupid people and their money.  OMG.
One happy girl
One happy girl
2013-06-02 03:02:55
Unknown
Just an FYI. After these idiots scammed me it of $1000 (my bank immediately gave it back), ONlY because my state of mind wasn't right due to the fact that we had just buried my step-father, I became relentless in my search of who they really were and where they were. I got a letter early this year that they have been shut down!
Lauren
Lauren
2013-01-16 19:23:18
Debt Collector
I got this same call today from a lady named Angel at the number (512) 582-8250. She said she was from the Fraud and Worthless check diffusion and I was named as an affiliate of Judy White. Of course, a person I've never heard of. I will not be calling back.

These calls may be in relation to the recent postal money order fraud scam going on. I got mailed 2 money orders back in December and the package said it was from me. Inside the package it said to check my email and see if there was a message from some guy I'd never heard of. I googled it and found out it was scam. I discarded the money orders. I got the same kind of package 2 weeks and I refused it, since I never sent out anything to the person documented on the package.
Eve
Eve
2012-12-28 20:03:38
Unknown
I got a call from a Kelly Brooks n a Mr Franklin w a Houston number claiming to b from Atlas Mediation. I fell for the threat of charges on what they claimed waa an unpaid payday loan. Since paying it they have never sent paperwork showing it was ever valid n num no longer good. Thankfully my cc has closed that card n filed a dispute. It may take cpl mths to get my money back but I have now fled a criminal charge since I know now there was no unpaid debt. If they call you report it to police because it is illegal to even threaten that I found out n I will prevail!!
Eric
Eric
2012-12-05 02:05:39
Debt Collector
THIS IS A SCAM!!! This company called me back in February saying I owed 690.93$ and I would be arrested if I didn't pay. So I did. Today I get a call from a company called Unified Mediation saying I owe 890.93 for the same debt. I contacted my lawyer and she says it is a scam. DO NOT GIVE THEM ANYTHING!!!! Do not give them your account info and do not admit to anything. Simply tell them they are required by Federal law to send you a statement of the alleged debt. They have 5 days from the initial contact to provide you with this info.
esp
esp
2012-11-17 15:33:34
Unknown
Thank you for posting that!  I am so sick of these people....and them breaking the law.  I didn't even owe the money they claimed and I have been contacted and/or threatened by THREE "different" places now for the same alleged debt.  Today, they told me that they have video footage of me writing this "fraudulant" check. I have never been in a payday loan place in my life!  I wish someone would stop these people!  They are practicing illegally even if the debt is real, but there was a data breach of information that was not debt.  They obviously know nothing about the statute of limitations, or the other long list of laws they are breaking.  I appreciate you posting them for these idiots!
jahempress
jahempress
2012-10-11 22:26:17
Debt Collector
This is ridiculous i also recieve  numerous calls from them ignoring every last one of them....untill i recieve an voicemail from them stating jail time and they're had a warrant out for my arrest....a payday loan that i took out 175 n now i owe them over a $1000 n they said it can be settle for little over $700. I payed it with $$$ i dnt have and recieve a paid in full reciept in my email. thought nothing more of it till i recieve a call 2day from someone else stating the same thing, now i curse them out n started 2 look these  atlas people up n see that its a scam. Now i want to get a gun n blow their damn heads off for scaming me. WTF these people think they are that they can scam people out their money n get away with it.
shelly
shelly
2012-08-21 23:57:41
Debt Collector
i got my first phone call in march they said if i didnt pay i would go to jail i got scared and paid them becuse i have five kids and didnt want to go to jail
Fraud Alert
Fraud Alert
2012-08-09 06:23:05
Unknown
Actually, let me educate you.  It is illegal, under the Fair Debt Collection Practices Act, for a debt collector to threaten CRIMINAL prosecution for a CIVIL matter.  The majority of the collection efforts being made these individuals in question are in regards to past payday loan agreements.  These payday loans have specific contract agreements between the vendor (the payday loan company) and the person receiving the payday advance.  One such contacted agreement is that, in the event of a returned check (in other words, the receiver of the loan was given funds by the vendor, but the check on which the advance was written was deposited and subsequently returned to the vendor for insufficient funds); the vendor has the right to charge returned check fees and pursue the debtor through legal means in order to recover a loss through CIVIL ARBITRAGE.  According to the signed contract agreement between the vendor and the debtor, CRIMINAL PROSECUTION cannot be an avenue of rectification.  The contract agreement only allows the vendor to remedy the loss through civil arbitrage, in the event that the debtor will not agree to a repayment agreement (contingent upon a particular state's regulations).

Furthermore, it is ILLEGAL for a payday loan company, cash advance vendor, debt collector, or any merchant, to attempt to redeposit a check AFTER a payment arrangement has been made between a debtor and said vendor, because the repayment agreement acknowledges, in writing, that both parties understand and agree that the check has been returned to the merchant/vendor, and that a repayment agreement has been entered into.  This becomes a legal contract between both parties.  In the event that the debtor defaults on the repayment agreement, the vendor may only pursue collections efforts in CIVIL court.  The original check can no longer be collected upon, because the new repayment contract was contingent upon the understanding that the original check was returned, charges and fees were assessed, and that repayment through installments would be made.

Also, attempting to DEPOSIT a check or draft on a closed account by a vendor, merchant, or payday loan company, is considered illegal under the Fair Debt Collection Practices Act.  Debt collectors who claim to be attempting to collect a debt on a bad or worthless check AFTER payment arrangements had been made are Federally unable to pursue criminal action against debtors, regardless of whether or not a repayment agreement was defaulted on.

For information on the Fair Debt Collection Practices Act, you can follow the following link:

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

Again, any debt collector who attempts to threaten a consumer with criminal action for a civil matter is breaking the law.  The federal government has instituted legislative measures to protect consumers from illegal collection practices.  Individual states have also taken action to legally restrain debt collectors from harassing consumers.  

If a debt collector threatens you with criminal action for a bounced check, a defaulted payday loan, or any other monetary contractual default, they are in violation of the Federal Fair Debt Collection Practices Act.  Contact your state's attorney general office and the Federal Trade Commission immediately with all pertinent information concerning ANY debt collector who attempts to utilze the methods of extortion.
Rattled
Rattled
2012-07-29 21:48:41
Unknown
I just had this happen.  It was my son they were after.  Said if I didn't pay right then they would put a warant
out for his arrest.  I was very angry, had a funeral to go to and lunch.  Couldn't get rid of them.  My bank would not put it through without my OK.  That evening I talked to my son, he said it was a scam & he couldn't go to jail, a civil case, not what they told me.  They told me it was 7 years ago.  I asked if they would call back tomorrow.  Of course not, probably figured I would then have time to check them out.  After my son called me I called my bank.  Told me to report it to police & had me file fraud charges against them.  Canceled my account, my bank took care of me but it is a scam.  They told me it was a felony, I didn't want him going to jail for something they claimed happened 7 years ago.  My advice is to hang up immediately when called from these kind of people.  Don't know how they can even look themselves in the mirror doing this.  They harassed me, lied to me, threatened me, and they had no business telling me my son's business.  NO COLLECTION AGENCY is allowed to do.  Although my bank has helped me some of you may not be that lucky.  Don't fall for it, they are very rude crooks!!!!  They add on about 4 times of what
they say you originally owed.  Don't answer them, don't talk to them!!!!!
Juanita
Juanita
2012-07-18 17:38:33
Unknown
This company is still out there.  They just called me back in May and I had to come up with $600.  They used the same scare tactics against me.  The lady I spoked with was Melissa and she was located in Ohio but the auto draft came from Florida.  If they are scam artist then those of us are screwed.  If they are not and if you know you borrowed it then just pay it.  I am a full time student living off my VA benefits and they did not care.  She did take most of the charges off but it got paid.  I also received a email stating it was paid in full.
bbb
bbb
2012-07-13 15:47:33
Unknown
free bird....YOUR A IDIOT if you did got to jail you would cry like a little boy

PEOPLE be careful when dealing with this low life company they have two addresses in FLA. one location they have a F rating with the BBB the lowest rating you can get,that means they will wipe out your bank account if you give them your banking info.
the other address the BBB has an alert out on them
t replies to Free Bird
t replies to Free Bird
2012-07-13 14:58:20
Debt Collector
Is this your way to scare people into complying with your demands for money.  You people should be in jail.   This is no joke you are messing with peoples lives.  Threating everyday people with jail is wrong!!!!!!
Shill Alert
Shill Alert
2012-07-02 18:11:20
Unknown
You don't go to jail for debt. You can go for extortion, though, and maybe someday justice will catch up eith your sorry butt.
FREE BIRD
FREE BIRD
2012-07-02 18:10:02
Unknown
JUST GOT OUT OF JAIL BECAUSE OF THIS I WISH I WOULD PAID THE RESTITUTION.... REALLY SHOULD PAY ATTENTION NEXT TIME
julia coakley
julia coakley
2012-06-07 18:03:22
Debt Collector
this company ripped me off 500 dollars u need to do something
pam
pam
2012-06-01 01:45:46
Unknown
Who are these and how can I get help
Chuwinia Williams
Chuwinia Williams
2012-05-18 17:18:42
Debt Collector
I got a call from Mr. Baker at 513-442-0011 said I had a payday loan from 6 years ago and that I needed to pay them or they would arrest me. Who can I call?
ella skinner
ella skinner
2012-04-28 20:39:51
Debt Collector
I WAS ALSO CALLED BY THESE PEOPLE THEY MADE ME BELIEVE I DID SOMETHING WRONG, SCAMED ME AND MY HUSBAND OUT OF 500.00 THIS IS WRONG
ESP
ESP
2012-03-30 17:33:07
Unknown
These people contacted me at work also, posing as lawyers.  They even have a bogus website.
www.crowdercurransmith.org  I also got tricked out of $1000.  They are scammers.  What they don't know is that I know where they are.  I am calling every single agency I can to get them brought to justice.  My bank did refund my money, but others may not be so lucky.  I am smarter than this, but being threatened at work is a very convincing tactic.  I will not let this die.  They will be brought to justice and hopefully we will find out who is behind it and we can file a class action lawsuit against them!
ria
ria
2012-02-28 23:06:30
Unknown
People that I don't even have number for, told me that gateway mediation been calling for me and I have no clue who they are but I will not fall for their scam, if they want money well take me to court or prove to me that I owe them. The number that people give to me is 6317711635.
Fair Debt Collection Practices Act
Fair Debt Collection Practices Act
2012-02-25 08:26:06
Debt Collector
To everyone who has been contacted by Atlas Mediation, LLC:

The debt collection practices being used by Atlas Mediation, LLC. are in directly violation of the Fair Debt Collection Practices Act, the Fair and Accurate Credit Transaction Act, and the Fair Credit Reporting Act.

Abstract from the Fair Debt Collections Practices Act:

§ 805. Communication in connection with debt collection [15 USC 1692b]

(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt?

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o?clock a.m.and before 9 o?clock p.m., local time at the consumer?s location;

(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney?s name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or

(3) at the consumer?s place of employment if the debt collector knows or has reason to know that the consumer?s employer prohibits the consumer from receiving such communication.

§ 806. Harassment or abuse
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.

(4) The advertisement for sale of any debt to coerce payment of the debt.

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller?s identity.

§ 807. False or misleading representations [15 USC 1692e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of?

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to?

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector?s business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.

§ 808. Unfair practices [15 USC 1692f]

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

(3) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

Here is the address for Atlas Mediation, LLC., aka Oasis Financial:  Atlas Mediation  aka  Oasis Financial Solutions 7910 Baymeadows Way Suite # 3, Jacksonville, FL 32256.  19 complaints have been filed with the Better Business Bureau, and several with State Attorney's offices.
Tammy South
Tammy South
2012-02-23 15:01:45
Debt Collector
Received a call from Cassandra Perry, and her boss Tomas Gibson. (Cute isn't it, that is an actor on Criminal Minds) They threatened to arrest me for an unpaid debt. I called the FTC and reported them. I also call the BBB, the attorney general, and the district attorneys office. They threatened to call my job. When I offered to make payments, they accepted, then took the entire amount out of my checking account. And I had to close my account because of it.
Nicole barker
Nicole barker
2012-02-16 20:20:35
Unknown
They just called me did any ever get court papers I'm scared
JOE
JOE
2012-02-16 11:30:15
Unknown
This business is now located in Argyle Forrest near Orange Park, FL. GOOGLE  the name, and you will find more horrible information.
beverli5
beverli5
2012-01-10 18:49:40
Unknown
I just was told they were coming to my house to arrest me for check writing fraud! I attmpted to amke a payment arrangement and was told that he could not help me and a felony charge was beiing put against me and he was on his way to the court house now! it was just for a pay day loan ! I called mhy lawyer and he said in no was was this true and thye can not do this and he took the number of the individual and is calling them! Do not fall for this scare tactic!
Victim,
Victim,
2011-12-27 14:50:52
Unknown
I am in collections only busines to business. and we have to follow the same laws as consumer collectors. The Fair Credit Reporting Act. A collector cannot act like he is an attorney if he isn't or threaten you with jail or Felonies to collect funds. Loans fall under civil court and usually depending on the amount are handled in small claims court. If you have written bad checks they are handled by the District Attorneys office. However, there are certain bench marks that have to take place before the receiver of the check can turn it over to the DA. They had to send you a certified letter showing all the check info. date it was written the amount that needs to be paid. Usually they give 30 days to pay this. They use this tactic to try and get funds, and it is not right. Yes if you make a loan and you owe it needs to be paid back but we all know that there are circumstances in life that may prevent you from paying back and that is why we have bankrutcy courts. With todays economics and over 1 million people out work it is very hard on families right now. People like Atlas Mediation gives us all in this industry a bad name. There are honest collectors out there that try to help and work things out for you without breaking the law. They use the law to collect but at the same time they are breaking the law by their own tactics. The more that contacts the DA office regarding these tactis that are being use the more chances we have in getting these agencies shut down. There are remedies for these the court can find them $5,000 or more or say the debt is paid. In Texas the penalty is doubled. So we all need to be proactive and try to put the ones that are breaking the law out of business.
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