While she is filing tell her to let them know she committed fraud and stole money

Stop getting pay day loans on a close account

Thanks sally.. This lady is a criminal.  Now trying toplay vvictims.  She will eventually end up in jail

Yes you did. But there was no wrong done on KDE

Stop playing the victim... you know what you did.. I know you.. you and I did this several times

Stop writing checks to pay day loans on close account lady

Not only did you did this to pay day loans company. Per your family you have stolen from yhem. This is why your step mother cut you lise

LADY YOU ARE A LIAR. THOSE WERE THE FEES INCLUDED. YOU WENT TO PAYDAY LOAN WROTE A CHECK FOR CASH ON A CLOSE ACCOUNT AND YOU ARE THE VICTIM... ARE YOU SERIOUS

I suggest you get a confirmation of the bill.Be nice polite and get the info you need.Find out first if you are even connected to the debt in any legal form.In the event you do see your name on it[from what you said you shouldn't]don't make the mistake thinking your ex is in on it.She may be just as surprised as you.This actually may an indication someone has commited ID Theft.How you could handle it depends on what it is presented to you.I do suggest that if anything looks off that you report it.Also you may want to register your response with your local courts.Don't know if your state allows that,mine does.

These people have also been bothering and harrassing me saying I owe them 800.00 dollars for a check I didn't pay in 2008 at ACE Cash Express. They want give me an address but I could take care of it by phone on a credit card or debit card. These people are breaking the law. Something has to be done.

Kde fraud dept from Florida has been calling  not only me ... But my mother over the past few years ... I never had any reason for them
To call me . My ex wife ( divorced over 20 years ago ... And she is re Married)  and her husband defaulted on a loan  5 years ago .. And now they are threatening my mother and I for obstruction of justice ... And keep telling me I'm going to jail ... What can I do ? ... It's probly a scam ... But I want to help make them stop . The callers name is Scott Nichols ... And very rude .. Abusive and needs to be stopped  calls from # 561 922 7304

I have been receiving the same calls. I contacted Ace and I am paid in full have been for 3 years. I even have the letter handy for instances like this. I received a call 2 years ago the same way. When I spoke to Ace's home office they said they have never heard of them but it seems to me their files may have breached. I have told Mr. David Miller from KDE to file charges that we would square it away in court then. I paid my debt and have someone with my social security number out there threatening to throw me in jail. Yes I was late paying my debt but I paid it. You can't go after someone and get them to paid twice for something. If Ace is sending people after people who have already paid in full then they should have a lawsuit too. I will be filing with the appropriate people about KDE and their practices.

I'm sure not listening to you. You can't even spell. Pay your billsss..I'm doing research on over 10 collection agencies right now and this one is not fake...Check the state for collection license idiot..

I suggest you all read this...They sent me a validation letter and gave me a chance to check my files and make sure I hadn';t paid it...I did my research on them before I paid...I got the loan forgot but I have paid them. No calls since only a paid in full letter in the mail...

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

?is seeking payment on a debt for a loan you do not recognize;
?refuses to give you a mailing address or phone number;
?asks you for personal financial or sensitive information; or
?exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:

?Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.?Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
?Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
?Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
?Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

We are currently looking into this company for one of our clients.  They are definitely violating your rights if they continue to harass you in this manner.  We would like to speak with you or anyone else who has had a similar experience with KDE recovery and or Gloria James and their threats of arrest. Please contact us at your earliest convenience.  It is also advisable that you save any and all messages you receive for this company as it could be potential evidence in a lawsuit against them.  If you would like information on how to protect yourself and others, please call us at 877-475-7065 or email us at legal@usclg.com.  We do not charge for our consultations or to initiate lawsuits against FDCPA violators.

Katherine, we are currently looking into this company for one of our clients.  They are definitely violating your rights if they continue to harass you in this manner.  We would like to speak with you or anyone else who has had a similar experience with KDE recovery and or Gloria James and their threats of arrest. Please contact us at your earliest convenience.  It is also advisable that you save any and all messages you receive for this company as it could be potential evidence in a lawsuit against them.  If you would like information on how to protect yourself and others, please call us at 877-475-7065 or email us at legal@usclg.com.  We do not charge for our consultations or to initiate lawsuits against FDCPA violators.

THEY STOPPED CALLING ME AFTER I SENT THEM THIS LETTER:


To Whom It May Concern,

I just spoke with ACE Corporate Office and they said that you can call their Payday/Check Collection Department at 888-753-3100 to confirm that I do NOT and have NEVER owed them anything. ACE stated that they show NO record that they have ever sold any account to Collections for me because I am and have been in good standing with them. If you insist that I owe this debt, please provide a copy of the original written agreement between myself and ACE, such as the loan note signed by me. If the account has been sold to you by another creditor, please provide proof that the debt was assigned to you (i.e. a bill of sale, an ?assignment?, or a receipt between the last creditor holding the debt and KDE Recovery LLC). ACE also stated that the Account Number provide is not an ACE Account Number.

Pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, found under section 1292(c), I am writing this letter requesting KDE Recovery LLC, Eric Mosley, Lisa Brooks and all others to cease further communication with me by phone.

DO NOT communicate further with me with respect to this account by phone.

You are harassing me and my family by calling us numerous times and leaving messages continuously and repeatedly. I am keeping a record of each call.

You are threatening me with legal action, stating that you will sign-off on the recommendation to have a bench warrant issued for my arrest.

I demand that you communicate with me only in writing.

Cease all communication with me or any member of my household by phone.

Sincerely,

If they refuse to give you their address it's very likely that they are not real debt collectors at all but just con men trying to defraud people out of money.

Read the FTC warnings about fake debt collectors at http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
File a complaint at www.consumerfinance.gov/complaint

Has called me numerous times acting like a private investigator trying to threaten me into paying for a bounced check to check in go. Problem is I'm not the person they are looking for.  They don't believe me and wont give me an address to prove it. They call from many different numbers including Florida Washington and Texas.  I think that they are using a call spoofing service because the same person called me from Florida and then Texas 15 min apart.  So I subscribe to mr number now. Its great it blocks all of their harassing phone calls. Does anyone have their address?  And they do havea facebook  page.  

Raven

A call from "Miss Hutchison" to my mother's house. Caregiver said mom could not come to the phone and that Hutchison should call the daughter (me). Left a number of 904-404-8537 x1013. I called her back and the first thing she wanted was for me to confirm the last 4 digits of my mother's social security number. I refused. She then demanded just the last 2 digits of the social security number. I again refused. She said that if I did not cooperate she would have to "have the warrants sent out". I said okay, and hung up on her. A few minutes later "David Fleming" called me wanting the same information. I laughed. He said it was a check fraud matter. My mother has written checks in about 2 years! I laughed at him and asked him "what are you really about?" and hung up. He then called again and I let it go to voicemail. What a scam.

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

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.

THEY CALLED ME AND SAID IF I DONT PAY THEM 1500 .00 DOLLARS THEY GONE TO HAVE ME ARRESTED.

I am getting a call from the same lady that calling u  this is all a scam theydoing this just to get money off u and just scare u but I don't believe in this company

How can I have this pepole stop calling me I don't own them anything I just want them to stop calling me

This a a scammer calling people!! Add the number to your contact with name scammer or something and just ignore it.... not a lot we can do to keep these jerks from calling unfortunately

Thank u for your help I am going to file a complant on those pepole

That same lady call me 2 saying the samething she told u I know it all scam that not a relly company that lady don't know what she saying she is trying to scare us

I have filed a complaint with the Federal Trade Commission it helps if every one else having problems with these people will file also the direct site to file your complaint is   www.consumerfinance.gov/complaint

Thank you for the info :)