F OFF idiot!

I was ready to pay an outstanding bill that Jim Murphy said I owed and recieved a phone call telling me I better pay this bill or else this guy was coming after me (Loanshark ?) I then called the # back to try and stop the threat of violence and Jim Murphy answered the phone at this other number. These people are nut cases not professional debt collectors. The original debt they say I owe is nonexistent. Something really bizarre going on

After he called repeatedly he identiied himself as two different people  ---Ryan Rydley and Ryan Slater and then said to call him back yelling "got that !".  I guess he got confused as to who he was but he didn't forget to remain rude.  I kept 9 of the recordings just in case.  His behavior was enough to get him fired from any legitimate service.

csi investigation called stated there was fraud on my credit report.  prev these same people called from a fake attorney  stated I have never paid several thousands of dollars in loans.  They were going to send the police to my employer to collect the money or arrest me.  I had one loan that was almost paid off. called my lender and my lender gave me a code.  I called this fraud guy back asked him what the code was.  He did not know that the code and disconnected.  I block the number which was a cell phone#.  Then csi called me the same person about three weeks later.  I knew the voice. They left me a phone message.  I called them back as what their business was csi investigation I told them they are a fraud.  they have not called me back since.  Do not give these fraud guys any of your personal information or pay them any money they are a fraud scam!

I just got a call from PSV Investigations and figured it was a scam but I called back just to make sure and the guy who answered said CSI investigations!!!  THIS IS A SCAM!!!!!!!!! STAY FAR FAR AWAY!!!!!!

Don't call them back!!!  Ignore them!  I got a call just now and looked up the company online and found their website which is ifindunow.com!!!  I can't even locate them on the BBB website.  Do not call them, don't set up payments...this is a scam and they will take everything you give them.  

It is important to know that anyone that has a REAL claim of debt or anything owed they have a legal obligation to inform you of this debt in writing!!!  Don't believe these people.

I received a voicemail today from some Ryan from PSV "needing to speak with me about a person of interest living at my address and need to call 888-929-1343 back ASAP".  First you called me from 719-428-0069 which for those of you looking is in Colorado Springs, CO.  I'm not stupid enough to call you back seeing you gave absolutly no info as to what you are investigating.  But by reading all these other comments I'm assuming you want to SCAM my money.  Well guess what, I only have 2 debts, my house and my car which I still own and have NEVER been late with a payment on so you can kiss my a** if you think you are going to fool me.  So for those that think this is real, seriously wake up!  These people are LAZY and just want your hard earned money. PLEASE DON'T FALL FOR IT!!!

You cannot get a default judgement legally unless you have been notified correctly about a legal debt and the impending court action.  You need to speak to the original person who is the debtor.  No professional person acting in a legal manner does the things these people do.  Old debts are not collectible.  Laws vary from state to state.  Contact the Attorney General in your state.  From what I'm seeing and hearing these people are doing things very wrong.

debt collections is legal. buying and selling debt is also legal, i have no idea why people think its a scam. i thought so to but then when i spoke with the rep handeling my case, i am now getting a garnishment off of my checks weekly. I tried to call this company back and settle with them immediately! Thank you to all of this stupid s*** on here, I believed U guys!...and i should never have. this company really did put a default judgment against me and this is just insane. If i were you i would settle. My debt was real, I owed it and I just read stupid crap on here thinking it was a scam and now im up s**** creek

Wow! Unbelievable... I have also received the phone call sayin I owe money to citi bank when I have never even had a bnk account with such bank! Of course the rep told me then in that case u have nothing to worry about! Well how they expect me not to worry, this ppl have my social n my info! Is rediculous what this works has come to and nasty how this company threatens people for their own benefit but karma is a bi*** n I only hope they all end up fuked in the a**! B***s*** scammers ugh boils my blood I wis the really do come serve me the summons as suupostly they are..! Of ourse people with no common sense or a lil it of law knowledge will believe this a***oles n make their day..

Brian Slater from PSV Investigations has called my house several times from (720) 240-9552.  I've attempted to call them back, but now that I've read all of this, I won't be doing that anymore.  I have no outstanding or past due debt.  The number I was given to call (855) 251-1592 goes to a company calling themselves S.I.R. They don't answer the phone either.  I'll be calling the State Attorney General's Office today instead.

I was half asleep when I wrote last night and upset, so I mispelled alot,, typing in the dark ,,, I checked out the other names CIS Recoveries and CIS Group which was on the letter head too of the email and PSV investigaters .. that is when this site came up for me to look at, I was shocked to find so many with the same story,, I had,,,

Today I recieve a call too,,, They contacted my step sons girlfriend first,, how they got that number I will never know, she called me,,so i called which I had seen this first,, the guy that left a message for her was a Bryan Slater and when she called back she talk to a Mark, who said he was looking for me, and ask how to each me. Smart girl gave them nothing but called me,, I called to see what it was about,, talk to a Ken Reyonlds, very polite .. said they had sent me letters to an address I have not lived at  for 5 yrs then he said so your living at and knew my new address,,, said a ez pay day loan hired a company to sue me and they were doing the investigation for them, I told him I have not recieve anything,, he said well Mrs Ritz your statue of limitaion is out and you have to pay this debt now,, I told him i couldn't so he said let me see what I can do for you,,, he stated I owe ez pay 700 but with interest and all I now owed 16590.88. but If I could pay 165.88 today or 700 they would close it and no action would be taken against me,, it was ver convincing,, then ask me what I could afford . I told him 75.00 next wed,, he said ok.. Now how would you like to pay for this,,cc checking ,,, I told him by phone,, alright I need that number of one of those two things,, I told him no,, I had idenity theif years ago,, and your just a voice to me,,, He said okay I will mail this to you,, call me back as soon as you get it,,, told him I am leaving town for awhile,, so emailed it to me,, My husband said check them out first,,, so I checked with my the credit bureau no ezpay is there on my credit, strange,, why did they not have it there as a black mark,,, got me curious so I ended up here on line searching putting in the  physical address came on email,,, ,, could not find  CIP investgaion,, looked did a bbb no results,,  then I found this site, and read all this also another one too,, same words used,, same everything,,, even taking down what we made or bills etc,,, and gave me a deal to pay it out,,,  I then contacted my friend who is an attorney told him,, he explained to me in the state of Texas the statue of limitaition ran out,, it is 4 yrs for written and oral,, I told him what Ken said they could put a lien on our home which is not mine my husban owns it,, I can not even get on the lease  or have a bank account due to my idenity thief,,, which I refused to press charges on  which was my teenage daughter who meet a boy n line and gave him my info,,, so I lost alot then,, but  I am so thankful you all have put it all here,, the address I have for Cip  is at 17011 Beach Boulevard, Suite 900 Hunington Beach CA  phone is 877 251*1592 They are very convincing,, and if I had one I really dont remember it was in 2007 which add 4 yrs makes the statue passed in 2011,, VEry Scarey tatics they use,, good luck who ever else they try,,,

Really? I would not respond, because you don't even get proper, or accurate answers. If this was the case... Owing a debt... Everything needs to be documented.. Meaning if you had potential find.. You needto have everything in writing for your sake and the person that owes... Heck if I could call someone and say you owe this, or else... You really think?. Debts, regardless worse comes to worse, still need to through the court system, unless there was a tiny signature signed somewhere, but you would then need to verify that with the person in question...

Do not give them the time of the day. Hang up the phone.

PSV Investigations has a new phone number. 855-251-1592 Just got a call about an hour ago. What a load of crap. I've had to deal with people like this before and I know for a fact I do not owe anything except one credit card that is paid on time every month. They will also have CSR or CSIR call from this number 601-566-1933 to have you call the 855 number. Crazy.

Nichole,

Is there more infromation on what we can do about this here in the state of Arizona.  I know they have violated a few laws just by what they have called and said to me.  I am starting to document everything but my blood starts to boil the longer I am on the phone.  I wish there was a slap them button on our phones.  ;)  

Anyway, if anyone is in Arizona and wants to get together to go after these guys please let me know.

Kris

You guys are crooks, i had a freind that had an old dept on a credit card for $300./dls. ang you guys bought that from the credit card company for pennys and  tried to to charge over $2,000./dls. on it.

You guys are full of s***...don't anybody fall for it !!!!!

I revieved a call today, When they leave a message they dont even say who they are calling for so sends up red flag right away, I dont owe anyone and I have just pulled my credit 1 month ago and nothing is on. The news station AZfamily.com just reported on collection scams so beware

 
3 On Your Side
by Gary Harper
azfamily.com
Posted on February 27, 2012 at 5:50 PM

Updated Monday, Feb 27 at 1:56 PM

EL MIRAGE, Ariz. -- While driving home recently, Cheryl Austin decided to check her voice mail. What she discovered was an alarming message from a man she has never heard of before.

"It was a message stating I needed to call him back,? Austin explained. ?There were legal repercussions if I didn't call him back by the end of the day."

Concerned, she called the New York telephone number back and spoke to a man she says was ?shrewd, direct and downright intimidating.?

"They were telling me that I took out this loan and never paid it back,? she said. ?Now, they are coming after me legally. They're telling me they're going to come to my work and arrest me. If I'm not at work, they are to come to my home and arrest me in front of my family and friends."

Austin said the man demanded $500 to pay off her so-called debt, something she refused.

Even after hanging up, she says the calls kept coming for two days straight.

And the caller not only cursed at her, but he kept mixing in legal jargon.

"Affidavit? they used the word ?authorities,?? she recalled. ?They used words that scared me."

Austin said she knew she did not owe the debt, but said the caller was so intimidating and almost convincing.

Finally, she changed her cell phone number just to stop the harassment.

"It's not fair that people can do this to other people out there,? Austin said.

Her caller was most likely a con man who violated nearly every rule established by the Federal Trade Commission for legitimate debt collectors.

For instance, they cannot use obscene language or repeatedly use the phone to annoy you.

They also cannot say you will be arrested. These are all things the caller used against Austin.

Still, it goes on every day.

Austin said the ordeal has been a real eye-opener and does not want people to be tricked.

"I think that people need to know about this,? she told 3 On Your Side. ?If people don't know that they are out there scamming people, then they will fall for it. It's dangerous.?

Remember, there are things debt collectors are allowed and are not allowed to do.

There are also certain hours that they are supposed to call between. For more information, visit

You obviously worked for thsi piece of s*** company! Don't pay these scumbags a penny.

These are scum back collectors trying to collect on old debtrs that are since the statue of limitations. They can sue you or take you to court because the time to do so has passed.

A "Michael" called and said he was from PSV Investigations, and I must return his call immediately to schedule an interview for a "pre-litigation" investigation. He mumbled terribly and I had to listen to the message several times to understand even that much. He gave a number--720.240.9552--to return his call and 855.250.2616 to talk to the "client" who is supposedly going to litigate. I called both numbers from a totally random phone here at work and got voice messages on both, with no company identification or anything to make me think this was legit at all. If PSV Investigations is for real, then act like it.

I beg to differ Mr PSV Investigations... It is not part of anyones job to be an a-hole, persistent maybe. I think we all understand that debt collectors have a job to do but believe it or not, when people tell you that the person you are looking for does not live there, or they have no contact, they are being honest. You people have been calling my home lately and I know you aren't calling for any sort of debt for me as I do not have 1 thing financed. Some of us do know the value of saving rather than spending so we can pay for things with cash. In the event that someone unknowingly used my phone number, I would absolutely love if you sent and investigator out to my address so that I could tell him/her that they are jerks to their face and that they are full of crap. That won't happen of course because it is much easier for you people to talk crap on a message machine or over the phone than to actually come deal with someones wrath face to face.  Good luck with your professional SCAM..... looks like you need it. :)

This may be true, however, you have called us several times from different telephone number saying you are trying to find our son.  We have told you over and over that he has not spoken to us for several years.  You say you will remove our telephone number.  However, the calls keep coming.  My husband and I both have severe heart problems and, of course, it concerns us that our son may be in trouble.  Any further calls received will be referred to the attorney generals office in West Virginia.

I received a message on 1/18 to call "Ryan Thomas of PSV Investigations" at 855-250-2616, 720-316-7004, or 720-240-9552.  The message stated it was urgent I call/trying to collect a debt.  I went ahead and called back.  (I had received a similar call about a bogus debt claim quite a while back and I was told it must have been an error, etc./never heard anything else.)  I was transferred to 888-925-9485, ext. 214 for "Ken Reynolds of CSI Litigations" (once it sounded like Kevin).  I talked with him several times that day.  He was pretty cordial.  Supposed to be looking for me under a previous name with a "CashNet Pay-Day Loan" taken out on 9/21/07 for $500.  He said a couple of payments were made with a balance left in 2008 of $482.80.  Then, it was "charged off" on 12/5/10 for $711.97.  I informed him I have never taken out a pay-day loan and that nothing like this was on any of my credit reports that I obtained less than a year ago.  I mentioned the similar call I had before but this sounded like it was supposed to be different.  He said this type where some payment was made usually is where a family member takes out the loan with the full intention of repayment -vs- one where no payment is ever made.  This sounded plausible since I know people who would stoop to using my info, etc.  He said 2 "demand letters" had been sent to me--1 at my current physical address and 1 at my PO box address.  I told him I hadn't received anything.  He said he couldn't resend the demand letter, that there was a 24-hr hold on my account, but that he could "release the documents" they had (mail them to me) so I could contest it.  He said the next step would be to prosecute, etc., but he would contest it himself if this happened to him, etc.  He also offerred the option of "settling" instead, and I informed him I wouldn't do any such thing.  He mentioned a lot of times these types of loans don't go on credit reports and that it was unusual that this one was from "CashNet" -vs- "CashNet USA" (what he usually sees).  He gave me 2 numbers for CashNet (888-801-9078 or 888-801-9075) and an account number.  I called both.  Neither of them recognized the number as any of their accounts.  They offerred to look up an account under my social security number.  I declined this, but gave the name the account was supposed to be under.  Again, nothing.  I call Mr. Reynolds back with this info.  He didn't have much of an explanation except through "chain of title" (where original loan is sold to a 3rd party--which he told me was where CS Litigations got my file) maybe it had changed.  I called CashNet back again and was transferred to their fraud department.  I was told by Michelle Atkins, their Third Party Fraud Specialist (866-254-3581) they are not affiliated in any way with and have an ongoing investigation into CS (or CSI) Litigations in cooperation with federal and state authorities.  She sent me information to confirm this.  [They recommend you call the police and complain to the Federal Trade Commission if caller is "abusive, uses threats or otherwise".  The BBB and the Community Financial Service Association are also aware/have issued consumer alerts.]  I made several calls the next day back to "PSV" and "CSI".  Each of these times my name was recognized from my phone number.  I attempted to get physical addresses.  At "PSV's" number, a woman always answered as "corporate office" for PSV or "CSR Group".  She wouldn't give me a physical address/just that she was in California and then transferred me on to where my account was.  Mr. Reynolds said there were several addresses/finally gave me a physical address of "5942 Edinger Ave., Ste. 113 Huntington Beach, CA 92649" for "PSV" which is where the "released documents" would come from.  I did a little investigating on the internet.  PSV looked like they had a fairly new website and were based out of Denver, CO.  Today, I called Mr. Reynolds back.  This time, he didn't automatically pull up my information/had to look it up under my phone number (which, by the way, is a cell phone not a land line).  I explained it has been over a week and I haven't received any paperwork.  Only legitimate explanation is if there were some extended processing time on their end before mailing it out (he didn't deny that could be the case).  Again, he was fairly cordial.  I let him know if I still don't get anything, I will assume it is just a scam.  Told him about CashNet USA's fraud investigation of CSI.  He said they were a legitimate business, etc.  So, we'll see.  Good luck, everyone!

Might I ask what you were told specifically?  They are threatening to take me to court over something that if I do owe it, is beyond the statute of limitations.   I asked for they're mailing address and they gave me a false local one, but gave me a Corporate Headquarters address:  5924 South Edinger Seal Beach, CA. 92649.  Probably fake also.

Let me guess, Blonde... You workd for the company???  You actually think its OK to try to get people fired?? Are you serious???  :-o

So, you think it is OK to call someones employer to harrass them?  I wonder how the government feels about them finding jobs for people and you all getting them fired??  Ummm...

Funny dude, you call a number, you do not ask if so and so is there, then you leave a threatening voice mail.  Guess what idiot, I taped your scam and your voice mailed left on my phone, turned it over to the local police department, my attorney, the Federal Trade Commission and the US FBI Terrorism Division.  What I do know, your job is going to be non-existent for violation of collection practices.  As soon as they locate you, I have been told your computers, documents and yourself WILL be arrested.  You messed with the wrong person today, I know for 100% fact I do not have ANY outstanding debts!  You prey on innocent people thinking (MAYBE) they forgot about some bill.  You are obviously a bottom scum feeder collection agency, and I will continue to send your nasty voice mail message onto every federal and state authority until you are arrested.  Be warned RYAN, I have 57 people and counting saving your voice mail.

If they, CSI or PSI, whatever, remind them of the Fair Debt Collections Act.Tell them that you are not going to pay them one red cent. Tell them since they know now that you are not going to pay them, they have no further business calling you and if they do it is a violation of law stated below. Your proff that they called will appear on your phone bill and how many times they call. make a report to the Attorney General's Office and have one of the States investigators find out where this company is at.

§ 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
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.
15 USC 1692e
(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.
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