Received a call today at work

cher, if they're a legit company, they would have no problem sending you any kind of documentation. I know they can scare the hell out of you. But, most companies that will not cooperate, send documentation, verify anything, threaten, etc. are not legal. If they can not send you anything, you can't do anything. Do not let them scare you. Try not to take their calls any longer.

I wouldve laughed at him and made him mad.

I agree, they are full of crap. Why can't they send you the legal documentation that you are asking for. Because they don't have anything that is why. They are just blowing hot air up you know where. Don't pay them a dime until you have proof in black and white.

ladybug

I also agree. all of this is indeed a load of crap. These places can not touch you. They are not legal. They have no legal documents and they dont have a leg to stand on. All they have are their silly scare tactics.Thats all they are scare tactics.

So you guys are for sure that they can't take you to jail. He has me really worried. He is suppose to call back on Monday. I am just not going to answer the phone. He will be leaving crazy messages.

I didn't see if you responded as to whether these were internet payday loans that you owe on?? But no...no one is taking anyone to jail. They like to threaten people with stuff like that to make you pay up whatever they want you to. Please list what kind of debt you have and we can give you more advice...but I agree with the others...that if they are using tactics like this they probably are not legal ...demand to have copies of the bill ..or judgement or whatever...I wouldn't bother with them at all if they could not produce it!!

This was a internet payday loan

Cheri, No, you can not go to jail, in fact, many companies using that threat are under investigation for using such illegal tactics. I said before, get those complaints into your Attorney General's Office. If you need to read about an illegal company that just got sued by the Florida Attorney General for using illegal threats, come to my site, and click on 'Bass and Associates'. Stop allowing those illegal threats of arrest to worry you, you were the victim of a crime. Having debt is not against the law, and most internet payday loan companies are illegal, meaning that they are not licensed to loan in any state but where they are based. Get the complaint in, and you will see just how silly it was to be worried.

I forgot to mention; A collection company must also be licensed to collect in any state that they are attempting to collect. Most are not properly licensed.
Next time, ask for their license number, for your state. They will either hang up on you or become enraged. If they do either or, you can be confident that they are not licensed, making them an illegal company. Be sure to tell them that they are being reported to the Attorney General's Office. I would also like to know, which company was threatening you.

Hi Anthony,

He claims he was from US National Bank Financial Crime Division. I can't find anything on the internet about that company. When i call the number back they don't say what company they are from. They just say front desk and then ask who you are calling for and you name. The number is 641-237-5573.

Thanks For All Your Help.
I wil lkeep you posted.

cheri, I'm jumping in here! :D I've read other posts with the same bull crap with that name! Do not be afraid! "Crime division". Please........... Do not take them seriously. This is insane. Try not to take their calls. They are not "real". Just like the majority of these pdl's saying they're sending you to the "fraud" department. Oh, please........... It'll illegal crap to scare the pants off of you so that you'll cave and send them money. Please don't be afraid.

Hi Tweety,

That is the same company that called me saying the same mess. What has happened since they called you.

cannr,

thanks for the feedback. he says he is going to call back tomorrow. i will not be answering his calls.

thanks for the feedback

cheri, if he calls you and you have voice mail, hopefully he'll leave a message. More than likely he'll hang up. But if you do get a recorded message from him, document everything he said, the date, the time, etc. Comes in real handy when filing complaints.

will do cannr. thanks so much. it makes me feel better knowing they are just trying to make money by scaring the crap out of me and they can't really put me in jail.

You're welcome! :D And, please know that you're not going to jail. They are so full of you-know-what. They are so illegal. So they use illegal tactics. So sad. I'd hate to have their job. Scaring people half to death. And, don't let them pull the old "run now and pay us with a money gram/western union payment". They tried to pull that on me. Did I send them a stupid money gram/western union payment? No. Where am I? Sitting at home on my computer. Not in jail. Please rest assured you will continue to be fine. Just harrassed unfortunately.

Cheri, find out if it is legal to record phone calls in your state. If it is, take the call from these crooks, and act ignorant of the laws, and try to record them making threats. Then after the threats are caught on tape, be sure to inform them that your recording is being sent to the Attorney General's office.

So Many people have gotten calls from US National Bank
They are not a real bank. They just use that made up name to scare you silly. Dont let it scare you. I actually called the number they left for another member , played dumb got someone even dumber on the phone who admitted to being a collection agency.nothing more, just a collection agency

Kash is correct. They are a collection agency and have no authority to do jacksh*t to you. Like I said, they are not licensed to collect anywhere, and be sure to tell them to fuk off.

Isn't there some kind of law against people impersonating a bank. Really an illegal company.
Dont be scared of them . I think I will go to RIPOFF and report. These kinds of things get me so angry. Out right illegal agencies trying to intimadate and scare the hell out of people.

He just called me again this morning and i asked him for there address. All he said was he was in Creston Iowa. He would not give me a physical street address. He kept saying why is that important to you. I said well send me something in writing stating that what i owe. He got really upset with me and said he was just going to send a investigator and hung up in my face.

Cher, all you can do is laugh at this silliness. They can not touch you. Its almost funny what these people say. Very creative. I hope your fears have been alleviated. Stay strong there is an end in sight. Just know that you will not be arrested or investigated. Again its all scary bulls**t

Thanks kashzan. I am trying not to be worried. I am actually pretty upset that people do things like this. I was wondering why they would have not done this a long time ago if it was so serious.

Cheri..listen to Kash...some of these places have even told people to get babysitters cause the police would be there in 10 minutes to arrest them...such stupiness. If you really want their address try going to the BBB site and looking for them..that's how I got a lot of my address' when I started out.

To get around the recording laws that require two party permission just say before anything "please be advised that this call is being recorded. By continuing to speak you are giving permission for you to be recorded." See how fast they hang up.

cheri, see? Once you start asking questions like an address, their license number, etc. they hang up on you. Illegal company. It's amazing. Ask a couple of questions and get a "click" in your ear. Don't even let him bother you. Let it go in one ear and out the other. Give me a break! "Send an investiger". Bring him on! :D

My loan they want to collect on was through Arrowhead. This Company was United Federal Something... They want $2000, yes, $2000.00 to pay off a $300 loan! HA! I just filed the info with the Ohio AG Office. Have these people called anyone's friend/family or just harassed them at work? He actually demanded that I put my supervisor on the phone-I AM the manager...his accent was very thivck and said his name was Kevin Patterson, the Number was305/433-8368 or also 321/422-5133. Any info?

baha! How you been? :D Do a google search on this site for Arrowhead. You'll read posts with stories about them and their illegal tactics. What? You don't want to pay $2000 on that $300 loan? Good grief! These people are crazy.

i called them back and aksed what collection company this was and he just kept saying who am i speaking to and would not tell me. it's mighty funny that everyone who answer the phone sound the same but says there name is something different. i told him that i would just get my attorney to call back and he hung up.

Keep it up, cheri. You're doing good. Nothing like an illegal company harrassing you! They'll tire of you soon. They'll move on to some other unfortunate person.

No one here should ever allow crooked companies to scare you. Remember, it is they who are violating laws. The minute they dial your phone number to collect, they are violating Federal Laws, because they are not licensed to collect in your state. The minute they threaten with arrest or "proceedings in a court of law", they have broken the law. YOU are the one with the power, not those illegal criminals. They are also bound by law to divulge their contact information, I.E.: address, phone number, and business license if requested. If they do not reveal those items to you, they have broken another law. Get those complaints into your Attorney General's Office ASAP. Do it online.

Being from Iowa I immediately recognized the 641 area code. A quick search revealed the 237 prefix to from Fredericksberg, Iowa 50630.

I am still trying to figure out what downloaded means. What do you think it means, arrested? What a stupid comment that person made, how ridiculous is that. I am close to Iowa was born there but don't live there now, I have never heard of Fredericksberg Iowa, where is it close to?

ladybug

Downloading actually sounds like fun, lol....Now let's talk about being UPloaded. If I got a call like that I would play with them--I would adopt my sexiest voice and say "what are you wearing?" And the dial tone would be on SO FAST, lol......

Downloading is a term computer programmers use when they need to take a dump.

LOL! :lol: What's "uploading"???

Hey spawnofsatan,

Have you every heard of a place called US National Bank Financial Crime Division. That is where he say he is calling from.

Hey spawnofsatan,

He also said he was is Creston IA.

There is no such place. It is a scare tactic. Please
Cherimu, you need to believe this.You will drive yourself crazy if you keep thinking that the call was from a real company

I am trusting in you guys. I just want to stop them from doing this to other people.

You cant. There are an illegal company , and they will continue to do what they do best Scare people. These companies just dont go away. They prey on people who dont know any better and believe them. That is why the information here is so valuable. It teaches us what we need to know to get on with our lives

I had forgotten I had written this post.....

Listen to what everyone is saying here...It is a scare tactic.

These people rely on the fact that they can scare and intimidate you into paying them, whether you owe them or not!

A consumers best offense, is to become "debt educated" in your rights as a consumer. I am saying this from personal experience. I have been dealing with a collection agency for over a year and a half. They scared me alot in the beginning. After coming here and larning my rights, they don't scare me anymore, and I don't get alot of cr$p from them. They are the ones who told me, "We know from our files that you are very well debt educated"!!

Hang in there, try not to talk with them over the phone, they will only upset you..KAren

And another way to call their bluff here is to actually call US Bank and ask to be transferred to this division--and when they can't, you'll know for a fact they are lying!

They called me yesterday about 15 times at work and I just let it go to voice mail, of course, they didn't leave any message. They called again today and they are very hard to understand and of course they threatened me. I told them to send me the information in writing and they said they couldn't, it says in the contract. They kept asking me if I had the contract in my hands and I said no. He wanted me to say on the recorded line that I was unwilling to settle this. Again, I told them to send me any information in writing. I finally hung up on him. He called right back!

He then put his so called supervisor on the phone and we went throught the same thing. I told them not to call me back work and if they keep harassing me then I would be filing complaints everywhere. I again hung up on him!

I'm sorry this is happening. Unfortunately, it's to be expected. The illegal people are unhappy that they're not getting their illegal money. Try not to take the calls at all. I swear, they will bug the crap out of you, but keep not taking the calls and keep emailing (if possible) for them to stop calling. Eventually, when they figure out they're not going to get you on the phone, they'll move along and harrass the next person. Be strong. Try not to take those calls.

I got a similar call today for a Melissa Swan, Investigation Unit calling on behalf of US National Bank. WHat a joke. Does anyone have any other info about them because when I asked her for her phone number she hung up.

Do a "search" on this site and type that in. There was a thread going a couple weeks back regarding someone getting a call from a man stating he was from this place, etc. I do believe the phone number was posted.

Alright, alright, lets calm down those of you allowing illegal tactics to frighten you. You are not the law breaker, it is the ones violating Federal laws by threatening, lying and misrepresenting themselves as some sort of investigations/police entity. Cherimu, I thought we had this scare tactic thing cleared up. You should never be afraid of these illegal threats. Every Attorney General of every state knows about these crooked ass clowns, calling themselves US Bank. Stop allowing them to bring fear upon you, when you are the victim of a crime. Contact every damn agency known to man, that enforces the law, starting with your AG. Anyone allowing themselves to be scared by illegal threats need to catch their breath, get online, or the telephone and file a complaint. Federal Laws have been broken, and it is your duty as a consumer to assist in ceasing their illegal behavior.