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Posted: Tue Dec 13, 2005 11:55 am Subject: United Federal Bank gave me a call

Hello,

Got a call from Steve Adams from United Federal Bank gave me a case number and everything. Also gave me a hotline number of 800-664-0596. Here a couple of weeks ago I received a call from Interstate Wire Compliance Company. I have a feeling this is the same sort of company. When I called the number they gave me I entered "0" to get the operator, but it gave me a message that all circuits were busy.

Well on with the story...This guy (who had a hard time speaking English) stated I owed for a payday loan ans started going through this whole process about who he was, name of company, case number, hotline number. I asked what company was this supposedly for? He would never tell me. When I told him I wanted an address and fax number so that I could send a letter of validation, he said he did haven't a fax number and told me listen to him. He said I had committed bank fraud??? They told me that last week too. After requesting an address and not backing down, he hung up on me. He tried to call again on my cell and work number, but I was in the middle of something. However, he did leave me a voice mail earlier that said I should have my attorney call them and that he wished me the best of luck if I didn't call him and a bunch of other stuff.

So has anyone heard of this company or do you know anuthing about it?

Thanks....

Posted: Tue Dec 13, 2005 12:33 pm Subject:

Htgt,

You did the right thing by asking their address. Always be on the right track. You should stick to your decision of debt validation. I don't think they can file any complaint against you, unless they validate the debt.

Here is a brief discussion on how to validate your debts, have a look-
http://www.debtconsolidationcare.com/forums/howto-validate.html

Try to contact your lender if you have any payday loans indeed. Settle them as quickly as possible. Payday loans are such headache that should be cured at the earliest; otherwise it might cause bigger trouble.

Posted: Tue Dec 13, 2005 12:52 pm Subject:

Well they called me again. Steve Adams started in again, and I still held strong. He put me on hold and a Jack Smith who couldn't hardly speak english also, stated he was not there to entertain me and he would not give me information unless I agreed to settle this matter out of court. He still wouldn;t tell me what company. He stated he was only calling to inform me of this information. He then stated he was with Jacoby and Mayers? Basically he started talking so fast an I couldn't understand him and he sais he was going to hang up on me now. It was actually kind of funny.

Posted: Tue Dec 13, 2005 1:44 pm Subject:

Htgt123

Don't let these calls annoy you further. If it is permissible in your state, start recording the phone calls and specify the debt validation requirement. If it is not permissible, inform the caller that you are recording it for legal purpose. During this recording, mention all points that can cover your basis.

Posted: Wed Dec 14, 2005 8:25 am Subject:

Can someone research their number they told me to call. I want to file complaints with Attorney General and BBB. The number they told me to call was 800-664-0596.

Posted: Wed Dec 14, 2005 11:12 am Subject:

I have a thread out there about the same company and the Jack Smith fellow.

Posted: Wed Dec 14, 2005 11:16 am Subject:

I too would like a way to send them a letter.

Posted: Wed Dec 14, 2005 12:32 pm Subject:

Htgt123

Some phone numbers are specifically designed to receive either incoming or outgoing calls. The number you have placed seems difficult to track online. Maybe, this number is used for some of their illegal actions.

Put your complaint to the AG's office and they will probe into the whole matter. This company is also not listed with the BBB.

Regards
Roxette

annie c · Posted: Sat Dec 17, 2005 2:26 pm Subject:

I have had pay day loans that were sent to ellis crosby and associates, I'm pretty sure we all know what they're like. I am now making payment with accounts rec. tech., and my rep first told me that ellis crosby was trying to collect under anthony galloway, and since they've been outed out also they are now going under this myers name. so i believe that this is ellis and crosby doing business or attempting to do business under another name. have an attorney call them or if u can't afford one state that you will contact your local authorities for harrassment and then do so.

cpowell · Posted: Wed Dec 28, 2005 3:02 pm Subject: same company same situation

they called me also, and when I talked to them and wanted to make payment arrangement, they told me that I had to send cash via MONEYGRAM, when I doubted them and said that was crazy I also was rudely hung up on. They stated that I owed $521.50, and if not paid by 6 pm yesterday that they were going to submit it to the courts, when I asked which court and where, they couldn't tell me. They also couldn't tell me which company I got the payday loan from all they could say was United Federal Bank. I talked to a lady name Laura, and a man named Supervisor, both with accents from the India, Iraq, Iran area. When I asked where they were located and where I needed to send the money too I was told Wyoming. I don't really know what to think about all this.

Posted: Wed Dec 28, 2005 4:36 pm Subject:

cpowell, it’s very simple. Most of the companies doing illegal business are trying to scam people. Make sure, not to send money unless you see the account details in writing. The federal laws are there to protect the consumers. Under these laws, a debt is required to be validated before making any payment. If any agency does not validate the debt and continues to call, file a case against them on charges of violation of the consumer protection afforded by the fdcpa under Section 809 (b). You can recover up to the extent of damages caused.

guest2001 · Posted: Fri Dec 30, 2005 9:10 am Subject:

I receive a call from these people also and once i asked them to validate the debt and ask for more info they didn't call anymore

Guest2006 · Posted: Wed Jan 04, 2006 10:05 am Subject:

Yeah - they did the same with me

Guest · Posted: Tue Jan 24, 2006 11:59 am Subject:

My daughter received a call from someone claiming to be working at United Federal Bank regarding a payday loan she had taken out, who gave her a case # and told her that her case was going before a court at 1:30 today and a warrant would be issued for her arrest. Has anyone else received a call similar to this? I have tried to look up information about United Federal Bank on the internet but couldn't find anything. Your help would be greatly apperciated!

Posted: Tue Jan 24, 2006 2:43 pm Subject:

Federal laws allow you to get the debt validation details after getting the initial phone call. Send a letter to the company's mailing address requesting for the details of the account.

Send your letter certified with return receipt requested. Keep everything documented in a file so that you have proof of your actions taken to resolve this matter.

BTW, no collection agency can threaten to send to jail. These are some of the scare tactics used by them to get money easily. Do not get intimidated by any of their call. Use your legal rights as per the FDCPA laws and handle the collectors in the most efficient way.

fluffycakes2006

On Feb 11, 2006 at 9:43 am, I received an out of area call on my caller ID displaying the number 305-433-8364 but no company named just "out of Area" and answered the phone. The first person that I spoke to would not identify himself but asked to speak with me and I asked him what company are you calling from but he would not tell me. Confused

The initial representative would not gave me his name but he puts his "supervisor" on the phone named a "David White". He told me that I owed on a debt but would not tell me the company he represented.

The scary part is that this man had my personal info such as my SSN, address, telephone, old bank account information and job that he quoted over the phone.

He sounded very belligerent rude and fussing at me on the telephone and I asked him NOT to raise his voice to me and then he "hung up" on me. Mad

I wanted to know what company this was so I decided to call this number 305-433-8364 back and again spoke to a supervisor "David White." Question

I also asked him what company are you with and he claims he is representing United Federal Bank based out of Cheyenne, Wyoming. I challenged him stating that the number he is calling from is in Florida. He stated that the main office is in Cheyenne, Wyoming but "representing" United Federal Bank under Platinum B services. He stated that this debt was from Platinum B payday loan from that Internet that I "supposedly" took out back in October 2004. I have never even heard of neither companies.

This "David White" character is very rude and demanding regarding this past due Pay Day Loan debt that I had with "Platinum B" services which I do not even remember taking a "payday" loan with this company. He also claiming he is trying to help me resolve this matter before something worse happens. I stated to him that I had filed bankruptcy back in 2004 and it was discharged last year The only info that I offered him was the bankruptcy information and the attorney's name so he could verify the info and declined to take this information.

I asked this "David White" what is the mailing address for this "so called" place of business but he would not disclose that information. I also asked him did he have a fax number where I could fax him a copy of my bankruptcy papers and he stated "no". He would not disclose any type of business contact information whatsoever.

This man had a very "heavy, thick accent and was over talking me barely letting ME get a word in edgewise. I asked him you do not need to call me any longer and to contact the attorney to confirm this. He told me why did I file bankruptcy and I told him that is personal information. Also stated to him that he is in violation of the Fair Debt Collection Act by acting inappropriately and his collection tactics towards me. He told me that what I am saying to him is "garbage" and I told him it is not "garbage" but FACTUAL. He hung up the phone on me AGAIN.

When I called that 305-433-8364 a 2nd time, I only received an a voicemail but it did not represent a company only stating to leave a message. This phone number did not make any type of representation that it was a place a business but it may have been possibly a cellular or residential number. I did NOT leave a message.

I called a 3rd time and spoke to "David White" again but he decided he did not want to speak with me anymore but put another representative named a "George Peter on the phone. " The second collector 'George Peter" gave me his supposed direct telephone contact number which is 505-213-2318 to phone him for "arrangements." I also provided George Peter my bankruptcy information. At this point, Mr. Peter did not want to hear anything I had to say and ended the conversation right then and there.

Both of these collectors both had very thick accents as if they were from a foreign country which I believe they are from India. I strongly believe that both of these collectors gave me "bogus" names for real. Both of the men had extremely heavy Indian accents and could barely understand what they were saying.

I strongly believe that this company is extremely shady because they have your personal information but do not want to disclose their address or fax number as if they have something to hide. I will never do business with another payday loan outfit in life. These people are crooks and use strong arm and intimidation tactics to get you to pay monies that you "supposedly" owe them. The sad part is that these "Payday lenders do "prey" on people who do not have choices in obtaining monies that they need from other sources. I have really and truly learned my lesson about payday lending. They are NOT giving you anything. You have to pay it back with enormous finance charges on top of it. These paydays loan collectors and others are a nightmare from hell for real.

I also believed that the phone call I received was in fact a "SCAM" for real. Evil or Very Mad

I tried to do a reverse telephone number search on both of these numbers but I did not come up with any company listing whatsoever. I only able to do a partial search on the phone number of 305-433-8364 but only the city BIG PINE KEY, FL. I also tried to do a reverse search on that 505-213-2318 number and again NO company listing but only displayed the city ALBUQUERQUE, NM . I also tried to call this number 505-213-2318 and it was a fax number not his own direct number as "George Peter had stated. I had tried to do a reverse phone search for both numbers using several online sources but no success whatsoever finding a business listing nor an address. I also tried to search for a listing for "United Federal Bank" in Cheyenne, Wyoming again using several online sources and no listing nor success for that matter.

To date, I have not had any other communications (verbal/written) with this "supposed" collection agency company.

I will be filing complaints with the FTC and the AG in the state for which this call was placed from. Mad

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