This girl named Melissa called me on my house phone and my work phone but not yet on my cell.  That will probably be next.  I think it is quite the scam and the next time I receive a call at my job I will be filing a complaint with the attorney general's office.  I am sick of these people trying to get money from defenseless human beings.  They do not have a conscience as far as I am concerned.  Don't know how they even sleep at night.

call 3 or 3 times a day with threats

I guess they have a new # now its 1 866 681 1776  a Michael called my # looking for someone else @ I told him that the person that he was looking for doesn't live here and in about a week later someone else called  

Got a call from Richard Goldberg calling from 804-250-1706 demanding money ...and gave me a threat...they been doing this a long time

This Chris Gravey called me today, I think it's BS!!!

I had several calls from ZFN & Assoc claiming they had court documents that needed to be served on me. They called me from 817-310-8917. When i contacted them, i realized it was collection agency and not law firm. They are rude and ignorant!!!

Doesn't "Luke" play professional basketball for the Milwaukee Bucks?

I just got off the phone with a guy named "Luke Riddenour"...I actually spoke w/him twice. Said also that I had a 1100.00sh balance from a pay day loan and threatened to call my references as it's the law to call them whenever there's check fraud involved. I haven't received anything in the mail from these folks and I was almost about to pay becuse I do have some loans to pay but it seemed a little shady. Wanted all the money up front and gave me a certain time when I would have to pay by the end of this month. Not gonna happen.....It's hard to undertsand all that "Luke" was saying since he was talking so fast. I called 888 266 2579 and 561 807 5899 showed up on my caller i.d. I too also plan on paying my bills but I can't pay a scammer. Also all he gave me was the Bank name and no number.  They somehow had ALL of my info. Address, people I would use as a reference ect. I also filed a BBB complaint.

add Chris Baker to the contact list....oops, sorry...CHIEF INVESTIGATOR Chris Baker. Called my 12 year old's cell last night, claiming there was an issue that needed to be fixed in regard to an unpaid check. Then they called this morning and left a rather rude message about a felony charge. What's funny is that I haven't written a check in over ten years as I pay everything with my debit card. The number he used today was a New York number: (917) 831-4434. When I tried calling them back, before I found the info here, I was directed to a voicemail for "August August," and that is not a typo. My wife wondered if I owed money to a stripper! lol. I am now on a mission. No one calls my 12 year old's phone and leaves threatening messages. I say we start a group on a group site so we can all gather info and hunt these fools down so they can be properly prosecuted for fraud and harassment.

They call on 561-807-8599 & spoofed local #'s like 281-231-0004

This is a SCAM: a so called "collection agency" that tries to collect "ghost debts" by calling people's friends and relatives to harass them into giving up information on where the person allegedly owing a debt can be found. They operate in a covert, underhanded manner, calling constantly and acting in a mocking way, as though they believe they are untouchable. Quite harassing!

Here's their actual contact information:


NAME:    
Zenith Financial Network, Inc

CONTACT:    
Amy Robbins , Melissa, Ms. Bower, Mike Jaguar

ADDRESS:    
1489 W Palmetto Park Rd Suite 360
Boca Raton, FL 33486

PHONE #'s:    
888 266-2695, 888-266-2579 , and more

FAX:    
888 290-4845

Website:    
http://www.zenithfinancialinc.com
Caller: Zenith Financial Network
Call Type: Debt Collector

NAME:    
Zenith Financial Network, Inc

BBB MEMBER:    
NO

CONTACT:    
Amy Robbins

ADDRESS:    
1489 W Palmetto Park Rd Suite 360
Boca Raton, FL 33486

PHONE:    
888 266-2695

FAX:    
888 290-4845

Website:    
http://www.zenithfinancialinc.com

WOW POWERFUL WORDS BUT MANY SPELL ERRORS MAYBE IN YOUR TRAVELS YOU CAN HIT SPELL CHECK!! i AM NOT IN COLLECTIONS SO WHO'S THE IDIOT!! NEVER WILL BE EITHER, WHO THE HECK ARE YOU TO COME AT ME ( DON'T KNOW ME ) WITH THIS GARBAGE!!!! DO YOUR THING BUT DON'T EVER SPEAK TO SOMEONE YOU HAVE NO CLUE WHO THEY ARE AND MAKE THREATS?? NOT GONNA WORK CAUSE I AM NOT IN COLLECTIONS AND HAVE NOTHING TO LOSE BY BEING HONEST. GET A LIFE!!!

Lately I've been getting this call from a Melissa from 1-888-266-2579,stating that she has a very important business matter,That I should call that 1-888 number & press 9 to immediately go straight to her desk,& that I need get a hold of her by the end of the day today,or there will be drastic measures that will follow,but she does'nt say what company she is calling from!!! So I goggled scam phone calls from 1-888-266-2579,& just as I thought"A SCAM"!!!! I reported it to my Attorney General's Office!!! This is just scamming"B.S."!!!

If you are  a legit company than why cant you provide original creditor and phone number, no collection agency says i cant give it to you because they dont want you to call them, me asking for this info i just want proof before paying someone something, if you can provide proof than we might change our minds, until than you are a scam!

Allmthisminformation is false get the correct info first

Not if they have proff you owe the amount

Mam iwhennyou do a loan all of your infor is there before you are approved for the loan

To all above some if not all of you some were some how did a on line loan and now call it a scam when it's time to pay but if you do a on line loan are a walk in to do one thats money you owe back with interest no one is calling you for no reason check your past I'm sure its clear you did a loan and just pay iT back

I have received several calls from those losers who told me I owed $3,000 on a $500 bill. They told me that I was going to go to Jail, and I asked if they were going to come all the way to Texas to get me? I also after lots of research found out the Zenith Financial Network is in Atlanta, Georgia and is owned and ran by the same owner of EBSS, that is now closed down. Matt Carlisle, and Lavelle Bown, I have contacted the Georgia Secretary of state on this and my attorney general in Texas. I have found several links to their previous company, same company just a different name.

800notes.com/Phone.aspx/1-678-974-1606?
Lavell Bowen of EBSS and Associates. lbowen@ebssassociates.com officel @ 404-227-8135. They are a collection agency based out Georgia and these ...

Ripoff Report | ebss-associates directory of Complaints & Reviews
www.ripoffreport.com/directory/ebss-associates.aspx?
EBSS Associates is a fake and illegal agency that preys on victims! Dont fall for their tactics Atlanta, Georgia Author: Anywhere, Virginia Collection Agencies: ...

This is the adress I found for them:1100 Hammond Dr NE
Atlanta, GA 30328

Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

Also read up on the laws and your rights:

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

And see:

http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
*******************************
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.

Same scenario. This guy saying he was chief investigator robert dickson me I was going to be arrested for check fraud and called my employer amd had me so upset ay work I had to leave. Still feel violated by the way he talked to me.

wow  wow  youve got a name youve got witnesses  to third party disclosure  what are you waiting for  this is the kind of practice that us as a whole cant allow  file a complaitn today and get this company to pay their dues they cannot violate you  like that think of all those people  that cannot help themselves paretns grandparents  no computer  ..

FILE A BBB COMPLAINT TODAY

Dont  delay and dot it today  call  NCA then  AG and bbb  take 10 min   nca  owns all dbts National creditor adjustors  the better business bureau then attorney  general  

help those who cant help themselves from these insignificant  agency

Do  it today  bbb and  NCA they are responsible for dbt

FILE A BBB COMPLAINT IF NOT FOR  YOU  THEN DO IT FOR ALL THOSE ELDERLY PEOPLE THAT ARE BEING TAKEN ADVANTAGE OF

FREE ATTORNEYS  FILE  A  BB COMPLAINT AND ATTORNEY GENERAL IT TAKES 5  MINUTES YOUVE GOT A NAME CALL  NCA NATIONAL CREDITOR ADJUSTERS  THEY OWN ALL PAYDAY  DEBT  ,,


FILE YOUR COMPLAINTS TODAY TODAY TODAY  

TEXAS  FIRE

FILE AN ATTORNEY GENERAL COMPLAINT CALL NCI  STANDS FOR NATIONAL CREDITOR ADJUSTORS SOMETHING  LIKE THATG THEY OWN DBT A LADY IN MEMPHIS FILE D A COMPLAINT WITH THEY COMPANY  THAT OWNS DBT THATS THE NAME  THAT WAS GIVEN ,,  NCA

WHAT ARE YOU WAITING FOR ALL COLLECTION AGENCIES MUST HAVE RECORDINGS .. FILE A BBB COMPLAINT PLEASE DONT WAIT DO IT TODAY   TAKE DOWN DATE OF CALLS AND  THEY MUST PROVIDE THAT  RECORDING TO BBB ITS THE LAW

WITH ALL DO RESPECT WHY HAVE YOU NOT  FILED AN ATTORNEY GENERAL COMPLAINT ..  YOUR KIDS OR PARENTS OR FRIENDS COULD BE NEXT THIS KIND OF PRECTICE SHOULD NOT BE TOLERATED .. ALL CALLS ARE RECORDED AT THIS COLLECTION AGENCY  ZENITH FINANCIAL  . MY DAD HAS SAME PROBLEM  AND SUED THEM RECEVD MONIES FOR  ALOT OF VIOLATIONS

DO IT TODAY FILE A COMPLAINT BBB AND ATTORNEY GENERAL TAKES 5 MIN

FILE  ANOTHER ATTORNEY GENERAL COMPLAINT CALLS NEED TO STOP .. THEY CAN ONLY STATE NAME AND NUMBER OF CO NOTHING ELSE ,,  $$$$