Caller left a message stating that there have been fraudulent charges against my bank account using my Social Security number. The call back number was 844-805-4497. This is a scam as my bank would have contacted me regarding any fraudulent charges. Plus, I always reconcile my bank statements immediately upon receipt. They identified themselves as JDS Legal Services.

They call and wont give me information

Looks like you are a shill for a fraudulent debt collector/extortionist.

? Illiterate
? Writes in all caps
? Uses too many exclamation marks
? Uses the old "pay your bills" straw man argument

Yep. Four out of four.

IT LOOKS LIKE YOU HAVE MORE THEN ONE DEBT! COLLECTION AGTS ARE NOT GONNA CHANGE THEIR PHONE NUMBERS JUST FOR YOU SOO GET OVER YOURSELF! AND PAY YOUR BILLS! YOU LOOK LIKE THE SCAMMER TO ME!!

This number called me too threaten me are they real

JDS Legal Services called  1/877/560/9763

Easy there tough guy. Or should I say boiler room tough guy hiding behind a telephone. HAHAHAHAH

william YOU ARE A IDIOT...how come you  didnt  mention the SOL on bounce checks in FLA, under 150.00 is 2 years over 150.00  is 4 years and you must be licensed and that means you have to be license in the other states where you lend money and in new york your not license and PDL is illegal in new york and 12 other states...this fool will not take you to court because the judge will fine this low life company thousand of dollars for violating the FDCPA LAWS you should pay back just the principal..you borrow 500. pay back 500. YOU DO NOT PAY ANY INTEREST OR PROCESSING FEES OR WHATEVER BOGUS FEES THEY MAKE UP MAKE SURE YOU DEDUCT ANY PAYMENT S ALREADY MADE AND PAY THE PDL STORE NOT THE LOW LIFE LYING SLEAZY DEBT COLLECTION COMPANY AND THEY CANT DO ANYTHING ABOUT IT...in FLA. the PDL is legal but many restrictions on the loan they can only allow you to borrow x amount money and how much there allowed to charge interest and im sure this low life company is not following those restrictions ..
the reason why this IDIOT is on here because he is not making any money and i am very happy..
if you do decide to pay these FOOLS use money orders only.. do not give them your banking info because they will wipe out your account and all future deposits dont use green dot card or WU the money is untraceable they will say they never got the money even though they did get it
you need there name of the company and address(NO PO BOX ADDRESS) AND YOU PAY WHAT YOU CAN AFFORD NOT WHAT THEY TELL YOU TO PAY.. they dont care if your living in the streets or your kids are hungry..
pay your mortgage/rent and utility bills first and make sure you have enough food in the house and you have pocket money for the month
if they say they dont accept money orders..then you say when you do accept money orders then give me a call and hang-up...RIGHT IDIOT..
   FAMILY FIRST,,DEBT COLLECTORS LAST..

How could you just forget about a debt for six years?   First off,  I think I would go back to the lender and see if I could make an arrangement to settle the debt with them.  Never admit liability to any collections company over the phone because they probably have nothing to validate the debt anyway.  Sounds like this debt should be out of Statute of Limitations.  Check your state laws concerning statute of limitations.  In many cases,  admitting liability resets the clock on this.   However,  if the statute of limitations does apply,  the debt is legally uncollectable.   I would bet that the Original lender has already written off the debt and the collector is a buyer of old outdated debts and trying to collect Big dollars for what they purchased for pennies.
Incidentally,  most payday loans carry an interest rate of up to 400%.  I wouldn't send any debt settlement to anyone via green dot or any similar payment.  There is no paper trail to prove they got it,  and the debt will surely pop up again when that collector sells it again, on a list,   to another sleezy collector.

Crack Pipe breaks over.....Now back into the Boiler room,  and on the phones for you....

Ahh Yes! Another desperate low-life trying to validate his fraudulent BS. You really should have kept your nose clean in your younger days. Then you wouldn't have been forced to be stuck trying to scam money for a bogus debt collector.
Your claims concerning Checks are completely irrelevant and completely incorrect for too many reasons to go into here. Florida laws, even if applicable, are only applicable in Florida. PDLs are illegal in many states and the firms that deal in them know that..and don't care. A loan is a civil matter and regardless of how many of you minimum wage scumbags come on here threatening 'jail time' it is not going to happen. Never has, never will.
PDLs are a scam from the get go. The people giving them are nothing but barely legalised con-artists and the people trying to collect on them are outright frauds with big mouths and low IQs. Ignore them or find a consumer Attorney. Once a collector understands that you're not a fool and are not in the slightest bit intimidated by their bluff and bluster they will move on to the next target.
If you owe a debt, pay it. That will help the rest of us who don't owe debts finally put the last nail in the coffin and bury the bogus and 3rd party debt collection industry in a deep grave. Which we can then visit as often as possible..and piss on it!

That pretty much says it all as far as their credibility.  In accordance with the fair debt collections act,  they must provide the requested information.  It simply means that they don't have it and they are relying on threats to make people pay.   Many 3rd rate (or less)  collections companies will use this method,   not just Scammers.

YOUR AN IDIOT AND A LYING LOW LIFE SLEAZY DEBT COLLECTOR IM SO HAPPY NOBODY IS PAYING YOU AND YOUR NOT MAKING ANY MONEY WITH YOUR STUPID LIES...RIGHT IDIOT..

Shill alert!  The only scam artist here is you.  Since you clearly cannot or did not read most of these posts, many of the calls were not for the people posting here.  And one of them asking for payment by a Greet Dot money card -- a clear sign of  a scam.  I encourage you to feel free to check the law -- the FDCPA -- that has been violated many times as reported in the above posts.  At no time do any of the posters say they received in the mail any debt validation letter (required by law).  Further, any threats of arrest are bogus, and threats of lawsuits that are not followed up on are also illegal.

You all sound like a bunch of cry baby scam artists yourselves! These payday loans you scumbags never pay back have extremely high interest rates so the balances are astronomical by the time they get to the 3rd or 4th collection agency. And the bounced check issue is because your original repayment method that was agreed to when you took the loan was an ACH (electronic CHECK) to be drafted for the amount borrowed plus the agreed upon interest. When you scumbags intentionally close your bank accounts....the check bounces/gets returned. Most of the payday lenders are based out of Florida. Feel free to check FL state laws on bad checks, it states that if you intentionally (which the payday lender[s] are left to assume it was intentional) present a check/ACH draft out of a closed account that exceeds $150 it can be charged as a B misdemeanor = maximum punishment 60 DAYS IN JAIL + $500 FINE.

*QUIT BEING DO***E BAGS & PAY YOUR DAMN BILLS!*

You know what's funny. It was a legit debt but hunny u paid probably 100's of dollars more then what u had to pay. Even if u got a letter which if i was u get one

They called my father in laws and left a nasty message on his answering machine saying that they have been trying to reach my husband to serve him court papers and they pulled up his social to get his number. That they would be going to his place of business to serve him the court papers. 1) that is total BS a legit company cannot call other people that are not you and leave messages like this. 2) they cannot threaten you garnishment of wages, say that you are going to be arrested, say they are a lawyer or serving with court papers and it goes on and on. This is how you can tell they are just your average debt collector that is so desperate to get u for money. They can be very low and nasty, but don't worry they cant do anything. A lot of times you will start to get calls when its about that time that ur debts will be wiped from your credit report. Check your states statue of limitations to see how many years it is for a debt to be wiped off. Most are 7yrs. I do feel bad for some people like the elderly, cause if you are innocent minded and don't know the tricks of these a**holes they can be very scary. The best thing u can do if they call is NEVER recognize the debt to them unless you know they are 100% legit. Once you acknowledge the debt they are talking to you about they can keep on u about it. Before you agree to them that yes I owe this and want to take care of it ask them who they are, where they are located and the name of who you are talking to. Any legit debt collector will give u all that info. Also ask them to send you the original copy of the debt, not a piece of paper from them that states what you owe. Cause obviously they have a little info about you and your debt from buying it for pennies on the dollar from the original place. Tell them you want the actual original debt that they are talking about. You can also which I highly recommend, call the place you owe and ask them if you can take care of the debt through them. More times then none anymore they will work with you to do that, this way you know 100% the debt you are paying off is going to the actual company and you can feel safe giving them ur CC info, checking account info. NEVER pay a debt collector with a money order of ANY kind. There have been many times where people have done this and the debt collector will act like they never got it and will continue to go after you about the debt. Oh and if they really did pull my husbands social they would have known where we lived, not have to call his father lol these people crack me up! The number that called was 1-877-544-4294

jds recovery called me in an attempt to make a collection. I do however owe money and I know this. I literally forgot about this its been about 6 years. I went to the store its self to find out how much I owe exactly and they told me 180.00 dollars. when this jds recovery called me they told me I owe 800.00 dollars and asked if I had anyone that would help me pay this and I could pay them back, they sais, I was going to go to jail it was a pre-legal matter, then they send me a letter and the amount of the letter said 180.00... so confused I called them fully ready to make this payment, when they told me this letter was now void and they cant do that, therefore they were scamming me into calling them again I assume. right? I also asked if there was a way I could send a money order to them, they told me "if we just let anyone person do this I wouldn't be able to pay my power bill here at the office, or have a job" in there exact words.... that doesn't seem very professional at all to me. they wouldn't give me any information on where to send anything too except that I needed a bank account or a green dot card to make a payment. I want to know if this is legit and how come the store is telling me one thing and the jds recovery is telling me another. I know I owe money and I am willing to pay it just not over the phone or through my bank account no body but me had that information. is this legit?

hey guys idk what you guys are all complaining about???? i had a long over due payday loan and they had great knowledge and were very skillful at their job. i realized i had the loan and was tryin to pay it off and they called me at the right time. and if you look up the laws they are trying to tell you they in fact are true. you guys are right they cant sue you for the loan but it is legal to sue for the bounced sheck issue. all in all these guys were very helpful and if i ever have another debt id be glad to hear from JDS legal services

Michael Sullivan sent a fax to my job threatening to file charges against me if i didnt settle with them TODAY! When i asked what the exact amount of the debt was he couldnt tell me how much and continued to be reallt nasty and mean on the phone. When I asked to speak with a supervisor, i was transfered to someone named ZACK who proceeded to be nasty and mean and say to his buddies in the back round "Hey go ahead and issue the warrent for her arrest!" REALLY???? SCAM SCAM SCAM

Watch them there steal your information from banks payday loans and etc there will call your job send faxes watch the letterhead of the papers if you get something from them it is all out of order one name is charles ross  .877-544-4294.

These jack a-- keep call me about some loan I have been waiting to get serve my court papers but the jack a-- change the subject telling me that the sheriff is coming watch these a--- protect your information.

This message is constantly being left on my answering machine for someone who doesnt live here. When i told them this they claimed they would remove my number. Well that was 3 weeks ago and they're Still calling me! they are terrible.

We have received numerous calls from this number and from Michael Sullivan, looking for another person with the same last name.  I tell them they have the wrong number and they keep calling and leaving mesages.  I called back to the 877-847-2530 number and told them they have the wrong number for the person they are looking for.  This morning when I called back to that number (after yet another message on our answering machine) I got a recording that said it's not a working number.  So I called the number that actually appeared on our caller ID which is a 904 area code.  Michael Sullivan (so he said) answered the phone and gave a new number to be called back on.  877-544-4294.

They did the same to me. They are illegal scams. I filed with the attorney general and an taking it higher. These people need to be stopped not just ignored. they actually called me a scumbag over a bill that was paid.  Something needs to be done about them

this number keeps calling this house and they have wrong name and number  how do i stop number from auto calling me?

This 877 number belongs to a car shop in California... Calling them today to make them aware that their info is being used to illegally harass people.

Message from 904-416-0769 saying they are JDS Legal Services that I have a bounced check and must call them back at 877-847-0769.  Information is a scam and fraud.  They keep calling but do not verify any information.  Reported them to the FTC.  Do not talk to them and do not pay them any money for any reason.

A strange computer message calling me saying they have Fraud Check bounce and to call back.  When I called they couldn't and wouldn't give me any information.  Total scam... don't give them any info.  They can't use scare tactics, its highly illegal.

A James Morgan called me and stated he was calling me about a cash advance that I took out in 2008 for $1500 dollars and I told him I never took out a loan for that amount he then said it might have been around $400 dollars but not $1500...I told him he can speak to my attny and he started to get rude so I hung up on him.. I told him how do you want me to pay you for something and you dont even know how much it is.. SCAM... please have these ppl stop calling and harrassing me and my family...