866-716-1545
 | John Dodo 2013-06-11 00:31:58 Debt Collector |
This number is actually a fake company, that tells you that you owe 10,000 or whatever amount gets you surprised and angry. they record the call, to have a voice print of you (i have no idea why). this company and number has been reported multiple times to various law enforcement agencies and multiple sites like this but none of them has done anything to stop it. when this number calls record the conversation or call back and make sure you record the conversation for your own protection.
| You people need to get a life 2012-11-29 16:39:24 Unknown |
All you people were probably picked on when you were in high school huh? All you do***e bags need to just pay your bills. Stop stealing money and get a life.
| Sunshine 2012-06-22 18:39:33 Unknown |
I thought this woman was calling me about her husband or something. The first message left was that she is calling regarding Sam Santos. I got her slip up on voice mail. She needs to go to school and take the 10 week training for Certified credit counselors. Collectors are not to leave a message like this. They are to say this call is regarding file no#...... pls call ms. santos at whatever number. She is preliterate in debt collections, and most likely given favoritism as spoken below. FTC compliance will be sent this details of collection agency.
| Sunshine 2012-06-22 18:06:57 Unknown |
Here is more input:
The seven year statute of limitations on information listed on your credit report figures from the date of last activity.
According to the FCR Act Section 605 a debt can remain on a credit report for 7 years and 180 days after the delinquency that caused the account to go bad. Sometimes creditors will sell their bad accounts or post information on the credit report to show an activity date that is less than 7 years. THIS IS PROHIBITED. (I ended up having a judgment removed, the collection accounts removed, and the original creditor account removed.) In short, the time clock starts on the month the original delinquency started by the original account, regardless of whether the account has been sold to a collection agency, was paid at a later date, or a judgment was placed. The FTC has ruled this to be the law when it comes to time periods. If the credit reporting agencies are showing an account on your record that originally went bad more than seven years ago, regardless of date of last activity, dispute the information and they will have to remove it. The reasoning behind this is similar to chapter 13 bankruptcy which stays on your credit for just 7 years instead of chapter 7. The courts have ruled if you did not file a bankruptcy and had several bad credit items they would strictly fall in under the chapter 13 guidelines. I ended up paying on debts that were less than 7 years old and had all the collections, judgments, and original creditors of more than 7 years removed. Even though the judgment was only 2 years old and unpaid and the collection account was only 3 years old, they were still bound to the time line of the original creditor. This regulation prevents accounts from staying on your credit forever.
Read more: http://wiki.answers.com/Q/How_long_does_infor ... t#ixzz1yXxTya00
The seven year statute of limitations on information listed on your credit report figures from the date of last activity.
According to the FCR Act Section 605 a debt can remain on a credit report for 7 years and 180 days after the delinquency that caused the account to go bad. Sometimes creditors will sell their bad accounts or post information on the credit report to show an activity date that is less than 7 years. THIS IS PROHIBITED. (I ended up having a judgment removed, the collection accounts removed, and the original creditor account removed.) In short, the time clock starts on the month the original delinquency started by the original account, regardless of whether the account has been sold to a collection agency, was paid at a later date, or a judgment was placed. The FTC has ruled this to be the law when it comes to time periods. If the credit reporting agencies are showing an account on your record that originally went bad more than seven years ago, regardless of date of last activity, dispute the information and they will have to remove it. The reasoning behind this is similar to chapter 13 bankruptcy which stays on your credit for just 7 years instead of chapter 7. The courts have ruled if you did not file a bankruptcy and had several bad credit items they would strictly fall in under the chapter 13 guidelines. I ended up paying on debts that were less than 7 years old and had all the collections, judgments, and original creditors of more than 7 years removed. Even though the judgment was only 2 years old and unpaid and the collection account was only 3 years old, they were still bound to the time line of the original creditor. This regulation prevents accounts from staying on your credit forever.
Read more: http://wiki.answers.com/Q/How_long_does_infor ... t#ixzz1yXxTya00
| Sunshine 2012-06-22 17:59:42 Debt Collector |
Receiving calls from Mercantile Adjustment (Roxanne Santos) about a debt charge off since 1995 I am fully aware of. This woman never quoted a fair debt compliance. This is an attempt to collect a debt.....blah blah blah. She violated the FTC. If her call was monitored unless she owns the business she should be fined.
This woman claim a judgment was brought up against me and that I owe a credit card debt money from all these years. I check TransUnion, Equifax, and Experian. And there is no debt on my credit report about the creditor. I shop in the store still yet today and pay with debit card, and spend more money in that store since a young teen. If I owe them. All that money spent shopping in that store, should be a wash.
These home made collection agencies what they do (because I have worked for them) is collect old out dated debts they purchase and are breaking the law about judgments are made against consumers of debts past 10 years old. These type of statements ARE NOT to be disclosed to anyone over the phone if its not true. If there is a judgment, this judgment has to be assisted by attorneys and mail in writing to the person(s) owed the debt. Threatening behavior and ruthless character to collect a debt is violation of the FDCPA in the range of $1000 per call made to your home coercion to receive payment on a debt owed or charge off many many years ago.
I once worked in these sweat shops and they get off on making themselves look BIG to set examples to new hires with big eyes desperate to make a lot of money harassing consumers. It is a roller coaster job and many people just don't have the money to pay back a debt. The bank accounts are closed unable to cash check at the bank. And many unable to get apartment buy a house or any of these things over debts owed. This country is unfair regarding paying back debts and implementing fair debt practices on collect a debt.
The debt collectors are commission salaries. If they do not collect a check or post date interval payments, they are not paid. The boss might give them minimum wage to train, but after training your quote is to collect at least $500 daily. Their voices are firm and cold, angry and stressed when you call about what debts owed. They are unreasonable to speak in a two way conversation, and feel as though must have control of the call on all ends. Many times I have call creditors to pay back debts, and attempt to arrange payment, but the way they handle me. I sent all my debts to CCC and owe no one debts like this woman speaking. Its not on my credit report and I am not paying it.Most especially this debt is what she speaking back 1980's. Come on now. Get real.
These debt collectors sit around all day smoking lots of cigarettes and eating at desk all day. It is a stinking environment. Carpet filthy and bathrooms stench like a back out house. I quit the first day work in one of them cold calling debt collections offices Credit Card high interest rate collecting pieces of s***. Big fat huge men and women sitting around in broken chairs leaning back talking BS on the phone to consumers who once or did, have a hard time after losing job, divorce, etc. In turn, people end up in debt and unable to pay. People have to live. Debts is not on their list first hand, when have to pay car note, light bill, and house note. No one is going to get out thousands of dollars to satisfy the commission quota of Roxanne Santos. She is not God, most definitely is not my emperor. When a person does try to pay back overextended debts the same collection agencies become unreal asking for most of the money when all folks have is $50 a month, or $25 per month. When they refuse payment, I would call a CCC to arrange consolidation restructure of debts when debt collectors are greedy and refuse your payments. Get out of here.
The employer Mercantile does not pay them. These collectors are on a commission salary. If no debts are collected you don't get paid. You might get a base up front minimum wage added to the commission salary. Of which many get big checks sporadically and it boost their ego to get that same pay check again. Creative therapy they call it. Harassing consumers pays some of them well when they frighten you to pay by threat of judgments, never sent to court.
It is why when they call you the collector pass on the stress to you. Nothings working and people are hanging up on them or cursing them out. They need money, and they need it NOW! It is really sad that they are getting away with this, but many are collecting debts pass 10 - 20 years old because people are frighten and fear property and such will being seize. When you pay them they get 50% of that debt. All debts are written off after 10 years, its similarly to bankruptcy. The creditor has insurance and write it off. If within 10 years you owe a debt and it is no longer on your credit report in an active name you are using, are identifying you as the debtor, these people cannot harass you for money 2 decades old.
How they find you is if you have probate or any thing going on in public source, sale of property and other items, they see this listing. Purchase of car, signature loans, new job. And then the attempts are made to call your employer to get you fired, and or they even come to your house. Any damn collector come to my house I am going to beat damn a** down right in front of my house. Consumers has rights. Call FDCPA or be inclusive to Class Action Law Suits against Cold Callers breaking this law.
The seven year statute of limitations on information listed on your credit report figures from the date of last activity.
According to the FCR Act Section 605 a debt can remain on a credit report for 7 years and 180 days after the delinquency that caused the account to go bad. Sometimes creditors will sell their bad accounts or post information on the credit report to show an activity date that is less than 7 years. THIS IS PROHIBITED. (I ended up having a judgment removed, the collection accounts removed, and the original creditor account removed.) In short, the time clock starts on the month the original delinquency started by the original account, regardless of whether the account has been sold to a collection agency, was paid at a later date, or a judgment was placed. The FTC has ruled this to be the law when it comes to time periods. If the credit reporting agencies are showing an account on your record that originally went bad more than seven years ago, regardless of date of last activity, dispute the information and they will have to remove it. The reasoning behind this is similar to chapter 13 bankruptcy which stays on your credit for just 7 years instead of chapter 7. The courts have ruled if you did not file a bankruptcy and had several bad credit items they would strictly fall in under the chapter 13 guidelines. I ended up paying on debts that were less than 7 years old and had all the collections, judgments, and original creditors of more than 7 years removed. Even though the judgment was only 2 years old and unpaid and the collection account was only 3 years old, they were still bound to the time line of the original creditor. This regulation prevents accounts from staying on your credit forever.
Read more: http://wiki.answers.com/Q/How_long_does_infor ... t#ixzz1yXrrptwl
This woman claim a judgment was brought up against me and that I owe a credit card debt money from all these years. I check TransUnion, Equifax, and Experian. And there is no debt on my credit report about the creditor. I shop in the store still yet today and pay with debit card, and spend more money in that store since a young teen. If I owe them. All that money spent shopping in that store, should be a wash.
These home made collection agencies what they do (because I have worked for them) is collect old out dated debts they purchase and are breaking the law about judgments are made against consumers of debts past 10 years old. These type of statements ARE NOT to be disclosed to anyone over the phone if its not true. If there is a judgment, this judgment has to be assisted by attorneys and mail in writing to the person(s) owed the debt. Threatening behavior and ruthless character to collect a debt is violation of the FDCPA in the range of $1000 per call made to your home coercion to receive payment on a debt owed or charge off many many years ago.
I once worked in these sweat shops and they get off on making themselves look BIG to set examples to new hires with big eyes desperate to make a lot of money harassing consumers. It is a roller coaster job and many people just don't have the money to pay back a debt. The bank accounts are closed unable to cash check at the bank. And many unable to get apartment buy a house or any of these things over debts owed. This country is unfair regarding paying back debts and implementing fair debt practices on collect a debt.
The debt collectors are commission salaries. If they do not collect a check or post date interval payments, they are not paid. The boss might give them minimum wage to train, but after training your quote is to collect at least $500 daily. Their voices are firm and cold, angry and stressed when you call about what debts owed. They are unreasonable to speak in a two way conversation, and feel as though must have control of the call on all ends. Many times I have call creditors to pay back debts, and attempt to arrange payment, but the way they handle me. I sent all my debts to CCC and owe no one debts like this woman speaking. Its not on my credit report and I am not paying it.Most especially this debt is what she speaking back 1980's. Come on now. Get real.
These debt collectors sit around all day smoking lots of cigarettes and eating at desk all day. It is a stinking environment. Carpet filthy and bathrooms stench like a back out house. I quit the first day work in one of them cold calling debt collections offices Credit Card high interest rate collecting pieces of s***. Big fat huge men and women sitting around in broken chairs leaning back talking BS on the phone to consumers who once or did, have a hard time after losing job, divorce, etc. In turn, people end up in debt and unable to pay. People have to live. Debts is not on their list first hand, when have to pay car note, light bill, and house note. No one is going to get out thousands of dollars to satisfy the commission quota of Roxanne Santos. She is not God, most definitely is not my emperor. When a person does try to pay back overextended debts the same collection agencies become unreal asking for most of the money when all folks have is $50 a month, or $25 per month. When they refuse payment, I would call a CCC to arrange consolidation restructure of debts when debt collectors are greedy and refuse your payments. Get out of here.
The employer Mercantile does not pay them. These collectors are on a commission salary. If no debts are collected you don't get paid. You might get a base up front minimum wage added to the commission salary. Of which many get big checks sporadically and it boost their ego to get that same pay check again. Creative therapy they call it. Harassing consumers pays some of them well when they frighten you to pay by threat of judgments, never sent to court.
It is why when they call you the collector pass on the stress to you. Nothings working and people are hanging up on them or cursing them out. They need money, and they need it NOW! It is really sad that they are getting away with this, but many are collecting debts pass 10 - 20 years old because people are frighten and fear property and such will being seize. When you pay them they get 50% of that debt. All debts are written off after 10 years, its similarly to bankruptcy. The creditor has insurance and write it off. If within 10 years you owe a debt and it is no longer on your credit report in an active name you are using, are identifying you as the debtor, these people cannot harass you for money 2 decades old.
How they find you is if you have probate or any thing going on in public source, sale of property and other items, they see this listing. Purchase of car, signature loans, new job. And then the attempts are made to call your employer to get you fired, and or they even come to your house. Any damn collector come to my house I am going to beat damn a** down right in front of my house. Consumers has rights. Call FDCPA or be inclusive to Class Action Law Suits against Cold Callers breaking this law.
The seven year statute of limitations on information listed on your credit report figures from the date of last activity.
According to the FCR Act Section 605 a debt can remain on a credit report for 7 years and 180 days after the delinquency that caused the account to go bad. Sometimes creditors will sell their bad accounts or post information on the credit report to show an activity date that is less than 7 years. THIS IS PROHIBITED. (I ended up having a judgment removed, the collection accounts removed, and the original creditor account removed.) In short, the time clock starts on the month the original delinquency started by the original account, regardless of whether the account has been sold to a collection agency, was paid at a later date, or a judgment was placed. The FTC has ruled this to be the law when it comes to time periods. If the credit reporting agencies are showing an account on your record that originally went bad more than seven years ago, regardless of date of last activity, dispute the information and they will have to remove it. The reasoning behind this is similar to chapter 13 bankruptcy which stays on your credit for just 7 years instead of chapter 7. The courts have ruled if you did not file a bankruptcy and had several bad credit items they would strictly fall in under the chapter 13 guidelines. I ended up paying on debts that were less than 7 years old and had all the collections, judgments, and original creditors of more than 7 years removed. Even though the judgment was only 2 years old and unpaid and the collection account was only 3 years old, they were still bound to the time line of the original creditor. This regulation prevents accounts from staying on your credit forever.
Read more: http://wiki.answers.com/Q/How_long_does_infor ... t#ixzz1yXrrptwl
| Pam Moran should be banned and arrested 2012-05-31 16:33:43 Unknown |
This lady told my daughter they would take her to jail if she didn't pay her 250.00 cap one bill. She said she would send the sheriffs out to her place of employment if she did not pay. Take her children and her dog if she had to. This lady needs to be stopped asap.
| an aty 2012-03-23 16:05:38 Unknown |
Wow learn how to spell. You have a law degree? You don't even know when and how to use the word they're? Your the scum bag. You a stupid one also.
| Pam Moran should be sued 2012-03-16 15:23:44 Unknown |
She is a bum. Pam Moran is a Bum. Her sps is owed money from Mercantile. So she gets everything handed to her which is a conflict of interest. Mercantile should be shut down a.s.a.p. When you have collectors working there a** off. Then because Pam Moran sps is owed money from the owner. She will take what ever is the best clients at that time and the owner will feed her all the best stuff so it looks like she is the best. but she sucks and is being fed from the owner because he owes her husband money. This is the biggest conflict of interest and this Mercantile company needs to be investigated. They ruin people lives that dedicated them selves to them to feed Pam Moran. This company needs to be INVESTIGATED asap. Or the aty general should be contacted and something needs to happen. If you get a call from this lady h/u on her and call the aty general.
| I agree 2012-02-14 15:56:04 Unknown |
100%
| Pimple Face 2012-01-28 16:10:51 Unknown |
By skip tracing you corn ball. Why did you lie about your legal matter. It was your last four digits of your ss# and it was your cell #. Obviously it was a bill you decided not to pay back. Now your just a prime example of a dbtr who takes the c.c. and Spends the money. Then does not pay it back. Typical bum.
| conflict of interest 2012-01-16 16:38:45 Unknown |
Mercantile is a office that is ran off of conflict of interest, favoritism, and stabbing people in the back. If the owner owes money to someone they give that person a job then feed the person so they take home big azz bonus checks and give the person a salary. Pam Moran anyone?
| aaa 2011-09-21 15:50:17 Unknown |
the best....yeah your the best..right,,the only thing your the best is lying to the debtors...being a low life sleazy debt collector...using scare tactics...and stealing peoples money,,
PEOPLE..this low life company is on bud hibbs he is a consumer advocate of slimy debt collection companies for over 25 years he haws successfully closed down these low life's and even law firms
GO TO BIDHIBBS.COM/COLL_TO_AVOID_LIST.HTM
you will get a list of low life debt collection companies and yes you guessed it mercantile is on the list and read what they do to the debtors and after reading this you will have second doubts about doing business with these low life's..call the original creditor and complain about these low life's and the original creditor will drop them..
the only reason why there on here because there not making any money,,these low life's gets paid 7.00 an hour and 15% of what they collect and being collections is way down there desperate
when this FOOL goes home i bet debt collectors are calling him for money and that is most embarrassing to a debt collector RIGHT IDIOT
PEOPLE..this low life company is on bud hibbs he is a consumer advocate of slimy debt collection companies for over 25 years he haws successfully closed down these low life's and even law firms
GO TO BIDHIBBS.COM/COLL_TO_AVOID_LIST.HTM
you will get a list of low life debt collection companies and yes you guessed it mercantile is on the list and read what they do to the debtors and after reading this you will have second doubts about doing business with these low life's..call the original creditor and complain about these low life's and the original creditor will drop them..
the only reason why there on here because there not making any money,,these low life's gets paid 7.00 an hour and 15% of what they collect and being collections is way down there desperate
when this FOOL goes home i bet debt collectors are calling him for money and that is most embarrassing to a debt collector RIGHT IDIOT
| aaa 2011-09-20 14:12:13 Unknown |
suk a dik..attys are scum bags,especially when they sue or low life sleazy company for violating the FDCPA LAW....IDIOT
| ITS NOT HARASSING 2011-09-15 13:30:53 Unknown |
They wan thier money back from thieves like you. You peopl take money and spend it but when it is time to pay it back you dont. Then you people whine on here to get a hard on. America is in debt because of you people. Not because of debt collectors!
| HEY A** 2011-09-15 13:16:59 Unknown |
SUE ME FOR CALLING YOU AN A**! OH WAIT SORRY THERE IS NO LAW FOR THAT. GET A LIFE AND GET A JOB. INSTEAD OF DOWNLOADING PORN ALLDAY!
| WHINERS 2011-09-15 13:15:05 Unknown |
YOU PEOPLE ARE THE LIARS WHO NEED TO JUS SHUT UP AND PAY YOUR BILLS!
| SUK A DIK 2011-09-15 13:07:28 Unknown |
ATY,S ARE SCUM BAGS
| EXCUSES, EXCUSES, EXCUSES, 2011-09-15 13:03:17 Unknown |
PAY YOUR BILLS!!!!
| The Best 2011-09-14 12:52:53 Unknown |
Because we are the BEST!!!!
| Lisa 2011-08-26 15:11:45 Unknown |
There are plenty of "Stories" on this post...why dont you contact everyone if you are interested in a lawsuit?
| Lisa 2011-08-26 15:09:55 Unknown |
I continued to get messages for someone else on my cell phone. Finally, today...I called them back...got the rudest b***** you could ever encoutner. I told her I did not apprecaite the repeated calls, even if the VM says..."if you are not name, plesae hang up". She stated, the message is required by law...I told her I didnt care what the law requires, she is being informed to delete my number...and than if it continues we will see what the law says. She deleted my number....and hung up. We shall see where we go from here.
Whoever had my cell number before had some awful credit, lots of folks after him.
Whoever had my cell number before had some awful credit, lots of folks after him.
| Amber 2011-06-06 21:02:55 Unknown |
This is their number that called me 866-839-7277 , 866-716-1544 , 866-716-1545 , 000-000-0000
never a live person that calls just a recorded message saying if you are so and so if not hung up if you continue the call they assumed you are that person they looking for.
never a live person that calls just a recorded message saying if you are so and so if not hung up if you continue the call they assumed you are that person they looking for.
| CLASS ACTION ATTORNEY 2011-06-06 21:02:55 Unknown |
IF YOU HAVE BEEN CALLED or TEXTED BY MERCANTILE ADJUSTMENT BUREAU ON YOUR **CELL PHONE**, PLEASE CALL (626)683-8291. THE MATHEWS LAW GROUP IS CURRENTLY FILING A CLASS ACTION LAW SUIT AGAINST MERCANTILE AND WOULD LIKE TO HEAR YOUR STORY.
If you have been called or texted for any of the following reasons, please call us at (626)683-8291:
-Being called on a cell phone number that you never provided to Mercantile
-Being called for debt you do not owe
-Being called in error
-Being called because you were listed as a reference
-Being called for a family member's or friend’s debt
If you have been called or texted for any of the following reasons, please call us at (626)683-8291:
-Being called on a cell phone number that you never provided to Mercantile
-Being called for debt you do not owe
-Being called in error
-Being called because you were listed as a reference
-Being called for a family member's or friend’s debt
| Ruby Webb 2011-06-06 21:02:55 Unknown |
Just rcvd a call, no name given just a message left on the answering machine to call back even on Saturday!!! Voice was full of static!
| Tony 2011-06-06 21:02:55 Unknown |
We received a very rude call from someone named Lori Warner or something saying we have not answered her calls and she had to call "yet again." We have no idea what this is about. I don't appreciate these kinds of calls when we have done nothing wrong. Very irritating on the weekend especially.
| Amber 2011-06-06 21:02:55 Unknown |
I been getting calls for a year now and at the exact same time of the day 8am. I never answer cause I know its them and I owe nothing so why worried for. Anyways guy/gals even if you file chapter 7 in the past they will try to collect from you. My lawyer said to ignored them if they still harassing you just report them. My bankruptcy was from 2005 so 2012 I shouldn't get any calls from anyone trying to claim money from me my bankruptcy will be cleared by then. Just tell them to call you lawyer this is a past debt that was included in the bankruptcy if they still harassed you for money tell them you will report them.
| Ana 2011-06-06 21:02:55 Unknown |
Just received a call from this number at my place of business. When I picked up it was a recorded message asking me to call back "Mr. Frost". I called the number back and it disconnected as soon as it picked up.
| Andrea 2011-06-06 21:02:55 Unknown |
They have left 2 messages on my machine so far saying they are calling about some kind of account that I don't have. It almost sounded like it could have been an actual person leaving the message but after receiving the 2nd one and hearing that it is identical to the first, it's definitely a recording.
| Chris 2011-06-06 21:02:55 Unknown |
The person who left a message said it was a Mr. Baker and to call him back at 877-230-8414
| laurie 2011-06-06 21:02:55 Unknown |
ive gotten 2 calls from this number rude also telling meto call them back about some account ad a file number
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