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Credit Card fraud now at collections...

Date: Sun, 02/10/2008 - 18:21

Submitted by anonymous
on Sun, 02/10/2008 - 18:21

Posts: 202330 Credits: [Donate]

Total Replies: 27


15 months ago, I received a false charge on my credit card for $874.91 CAD (I'm in Canada, the charge was in US funds) to an online gambling site called ULTIMETBET.COM.

I instantly informed the credit card company, and they reversed the charge, and sent me a letter informing me that the charge was determined to be fraudulent, and the amount was charged back to the merchant bank.

13 months later, I received a nasty phone call from Joseph, Mann and Creed telling me that they have been hired to collect the amount from me and that I am responsible to pay. I tried to explain that is was fraud, but they didn't care to hear. They called again, then sent a letter stating that Worldwide Processing Solutions has forwarded the account to them, and that they are pursuing full payment.

My credit card company has assured me that my record is clean, and I am now in the process of filing a fraud warning on my credit report with Transunion and Equifax.

I am very worried that this collection agency has my name and info. If the charge was made to my credit card, and the charge was then sent back to the merchant bank, apparently that means that Worldwide Processing has been paid their money... so how do I get them to leave me alone, and make sure I protect my credit rating?

I do not gamble, and I feel like a criminal!!! My credit card was in my posession at the time, so they can't possibly have a signature, or the 3 digit code on the back of the card. ( I have since cancelled the account, and no longer use this credit card company... I now only have a low limit card).

What do I do?

HELP PLEASE!

T. Kroezen


Joseph, Mann, and Creed are the scum of the earth. Do a search on this site for 'Bodog', and you'll see what I mean.

Do you have anything in writing from your CC company? If not, get something. Now.

I'm not sure about how things work north of the border, but... If you were in the US, I'd say contact your state AG immediately. Bood luck to you in this. And please keep us posted.


lrhall41

Submitted by unclewulf on Sun, 02/10/2008 - 18:35

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Yes... I have a letter from my credit card company saying that the charge has been credited to my account and the amount has been charged back to the merchant bank.

Sorry... what is AG??

Thanks again for any help.


lrhall41

Submitted by on Sun, 02/10/2008 - 19:27

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from what I have seen in these particular cases ...filing a police report in dealings with this particular company is not much help and if you send this police report to a company like Joseph Mann and Creed it only gives them more personal information about you that they shouldn't have in their possession.. on police report in order to try and resolve.. you have to have actual name of company who committed on line fraud in processing--Joseph Mann and Creed gives names of companies that you have never even heard of..if you provide police report disputing name of company who took money out of your account...it will not end up matching name that Joseph Mann and Creed ends up collecting for and is a waste of time because they somehow have a different name than one who took money from you..(never are the names that ever showed up on your credit card or Bank account eft)..you can file police report about fraud against Ultimate bet.com and list a complaint against Joseph Mann and Creed ..and contact everyone you can naming Joseph Mann and Creed and whatever names they are trying to fraudulently collect for..
the problems I have seen in these cases is that on-line gambling sites do not do enough to verify transactions..and when people have had their cards or identities compromised..or if gambling sites have made mistakes..they don't care..if you don't pay for the mistake they made..they simply turn it over to Joseph Mann and Creed and other unscrupulous companies who try to later collect ...don't pay!..and just make sure you complain to every government entity you can think of


lrhall41

Submitted by socksfullofrocks on Mon, 02/11/2008 - 01:15

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Thanks.. I feel a little better. The CC company said that since I have a $0 balance on my credit statement, I do not owe anyone any money. But JMC is insistent that this is my responsibility. Of course, I don't intend on paying this, but I want my credit rating to stay clean, and I don't want to have to pay lawyer fees! If I have a fraud alert with Transunion etc. can they affect my credit rating? Would this ever need to go to court? I'm obviously not used to having to deal with scary, underhanded financial things... I pay my bills!!!

You suggest that I file complaints about JMC and ulitmatebet, but to whom should I complain (remember that I'm in Canada)?

Thanks again for advice!


lrhall41

Submitted by on Mon, 02/11/2008 - 07:46

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Send them a letter certified mail return receipt. In the letter explain how the charge was put on your card fraudulently that you never authorized a transaction with this company. Include a total cease & desist and also inform them that if they put this item on your credit report, you will pursue them to the fullest extent of the law and take them to court for the violations.

Now, if they continue to try and collect after they get that letter, or if it shows up on your credit report, take them to court.


lrhall41

Submitted by goldenbast on Mon, 02/11/2008 - 08:01

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It willnot ever show up on your credit report online internet gamblingis illeagal and non-collectible...these overseas companies who allow the illegal transactions rely on unscruplouous and bad companies like joseph mann and creed to try the "Strong Arm tactic" and bully you into paying something don't pay them a dime..the transactions were illegal if anyone processed them do not pay any types of internet gambling transactions you are wasting your moneyif you do!


lrhall41

Submitted by on Sun, 04/19/2009 - 21:30

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Hi, I am in the UK and my father had a letter from Joseph Mann and Creed saying they were collecting on behalf of Worldwide Processing solutions the amount of $293.00. My father is in his 70's and has no idea who this company is, but I do have to say that whilst my parents were in the Dominican Republic about 18mnths ago they were they victims of identity theft and that their credit card details had been used to purchase items through Europe, the US and Canada in the space of 24 hours! Their credit card company saw that this was not physically poss for them to do all that travelling and refunded all amounts!
Just seems a bit of a coincedence. I have emailed JMC and told them to go jump and will contacting our fraud department here in the UK.
I agree with all everyone has said they are scum! My Fathers health is in a very fragile condition and he is currently in hospital, something to cause him stress like this would, could just about finish my dad off!
I hope these vultures can sleep at night!!


lrhall41

Submitted by on Thu, 05/28/2009 - 03:14

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take this bill collector to court the acting like criminal.
probably the are ex Conn people


lrhall41

Submitted by on Mon, 06/22/2009 - 15:56

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I had been receving calls from Joseph Mann and Creed about an online gambling debt. I just received a settlement out of court for $500 for these ass holes always calling me! If you are getting calls from them about an internet gambling debt get an attorney! The attorney I got was from LA called Krohn and Moss. Joseph Mann and Creed was responsible for $500 to me and $4500 to my attorney. I didnt pay one dime. So call Krohn and Moss if you receive calls from Joseph Mann and Creed, make sure you recored their voicemails, then after that chances are you will get a settlement out of court like i did


lrhall41

Submitted by on Fri, 07/10/2009 - 12:48

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Quote:

Originally Posted by SOAPLADY
if you read this old thread you will see he is in canada...it is not likely that joseph mann and creed even subcribe to the canadian credit reporting agencies so they wouldnt be able to report.



This is not true. Collection agencies that do business, such as my own, have rights to report in all countries. I am not saying they have to, but it is in their best interest to, and in most cases, they do. Canada has the same credit reporting companies as the United States, and offer packages to companies to report in both countries. Be sure to keep an eye on your credit reports. If you see the charge on there, be sure to dispute it with the credit reporting company.

Also, please keep in mind that a lot of the suggestions you are getting are good, and worth a try. However, the laws in Canada are not the same as those in the United States and are very different. So do not be surprised if some of the suggestions posted here do not work, because JMC is not required by Canadian law to comply. In which case, they probably won't.

I do not work for JMC, so I can suggest that you take whatever actions needed to protect yourself from unlawful actions taken by them or any other collection agency. The one I work for practices with the highest integrity, which is why we usually get paid before the creeps of the world do. We believe in treating debtors with respect and dignity. If our clients can't prove the debt, we will not collect on it. Needless to say, we deal mostly with companies that believe in using those great things call contracts!

Best of luck!


lrhall41

Submitted by on Thu, 10/29/2009 - 22:12

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My Grandmother has been abused by JMC. I have hired an attorney on her behalf and they have not responded to any of our request. Suggestion to eveyone who sees this send all you correspondence via certified mail to thier physical address. Do not give them any more info than you shoud. Name address only. These people are scammers and they have perfected thier skills. Beware of JMC!!!


lrhall41

Submitted by on Thu, 11/05/2009 - 13:08

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My son received one of these in the past, and now I have received one. You should send a letter by certified mail, return receipt required. In the letter, you need to write "cease and desist all forms of communication with me regarding this matter. This is not a legitimate debt". Once you do that, the credit agency is not allowed to contact you. At least in the US this is true. It's a statute of some sort. It worked for my son, so that's what I'm going to do now.


lrhall41

Submitted by on Mon, 12/28/2009 - 09:31

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Hi, I was wondering how this went? I am pretty much in the same situation.
This is now fully resolved with my bank as there were fraudulent charges and now I have Joseph, Mann, and Creed sending me voicemails and letters.

How do I owe a debt collector if they weren't my charges in the first place!
Any suggestions on what I should do?
The letter says if i do not respond within 30 days, they will take my debt as valid.
I want to avoid this company as much as possible from hearing this from you guys.


lrhall41

Submitted by on Tue, 04/06/2010 - 15:35

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Yes, I have a letter saying that the investigations, etc. has been finalized by my bank around 2 months ago. Should I contact my bank again?
I don't have a police report for this and I also don't want to contact the police about JMC because I read that they might get more of my personal information.


lrhall41

Submitted by on Tue, 04/06/2010 - 17:48

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Just for the record: I just received a letter from JMC asking me to pay $399.94 I supposedly owe the Worldwide Processing Solutions. Obviously, I have never heard of the WPS and I do NOT owe anything to anyone in the States. I am en expert in the field of data security and this is obviously what we call a phishing. They send whole bunch of letters to arbitrary addresses and hope that an elderly or incapacitated person would send them money. AFAIK, this constitutes a mail fraud which is a federal felony in the States (remember Al Capone?) What I did: 1. I E-mailed JMC to cease and desist. 2. E-mailed Better Business Bureau in Cleveland, OH. 3. Filed a complaint with the Fraud Squad of the Toronto Metro Police. 4. Filed a fraud complaint with the FBI. 5. Filed a fraud complaint with the U.S. Mail Investigation Service. They did not pick a very suitable guy to mess with...


lrhall41

Submitted by on Wed, 04/07/2010 - 07:11

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I have the same problem(sort of). at my university I ordered for a credit card that was never received. Through out the time that I ordered it and now I moved to a different city. As a result I never got the statements from bank of montreal(where the credit card is from) and a month ago a collection agency called my cell phone saying that I owe 4500! The collection ageny is saying that I owe the money still and that they will do a settlement. I have filled a police report and i am just waiting for the results. What is the likelyness of me having to pay for this?!


lrhall41

Submitted by on Tue, 08/17/2010 - 07:08

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Well this is more of Canadian issue and you should be looking for a board that deals with Canadian debt and debt protection/fraud.

Having said that, before I left Canada, I worked for TD in their head office. The fraud/police report should probably be sent directly to Bank of Montreal. The collection agency has no incentive whatsoever to follow up or follow thru for you.


lrhall41

Submitted by SOAPLADY on Tue, 08/17/2010 - 20:50

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They are frauds. Close your credit cards, and bank accounts if you have applied for anything online with your information. Start over, and they only have the information that the company has given them most of the stuff is masked. They have last four of your ssn# full address, name, and whatever telephone number you used on the internet. Don't give out any information.

SCAM! Do report to the attorney general, and the FBI. They go as far as telling you that you have a court date with court address. You call and they know nothing about it. SCAM. Everybody is broke and they are scamming to get money.


lrhall41

Submitted by on Tue, 09/14/2010 - 05:43

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