Collection Agency called Federal Check Processing claiming check fraud on me + criminal complaint

report these losers as they are not legit at all.there is no such place,and they broke the law hand over fist with that call.report them and ignore them.also alert your HR that this is a scam and to treat it as such.do that and know they are a botoomfeeding bunch of humanoids.

Ok, so they are really hard to talk to.

They claim that since this payday was never paid when was due in May
and that the payment requests came back as insufficient funds that this is considered a felony in California. Especially since have not tried to pay it since then.

He says since they are NOT a collection agency but a company that
processes bad checks so they don't have to validate the debt to me.
But then he says that they bought the debt from another company
that bought it from CashnetUSA. He also said a few times the words "the owner of our company"...meaning a small company.

He said that if we are worried about them being fraud, then
to make the payment on a visa and if we discover they are a fraud later
to then make visa give it back. (he said it better than that..Im just rephrasing).

He also told me about a how some overseas company that dont speak english well hacked into CashnetUSA's database in early December, so he can understand if we are worried and getting fraud calls.

I had him give me the company address:
Federal Check Processing
3500 Main St, Suite 130-277
Amherst, NY 14226

They dont have a fax number and wouldnt give me email address
but said would email payment arrangemen after payment arrangement
was setup.

The fax and email part is not a real surprise because when I was paying CashCall back, they dont have fax or email to give me too.

The address from my experience seems to be a mailbox, but he says that the number is like that cuz of all the suites they use.

He was able to give me ALL my information that was on the application.
Such as full SS#, bank account number, etc.

He said the only reason why hasn't gone to court yet is cuz the file
has been just sitting there....almost like they forgot about it.

So I dont know what to do now, because I do owe this money
and want to pay it AND I am afraid about having a felony if they
really have the right to collect this.

But what sucks is that they wont validate the debt.

Any advice would be greatly appreciated.

Thank you!

this is a bottomfeeding scam in ny okay.everything they told you was a bullsh*t bunch of lies.if that address checks out(which i doubt because i checked it)then file complaints,and stop talking to them.you won't be arrested,and besides an ACH debit is not a check.again file AG complaints against this piece of crap and do not talk to them further,or respond to any v-mails.it is a waste of time as all they will do is lie out of their a$$.

Part of the buffalo collection agency mob.....they total BS. Even their name is illegal....Federal implies governmental.

They in buffalo...they cannot sue you. They are not attorneys....they are not even located in your state! Send them a cease and desist letter and report them to your state AG's office and the FTC.

Hello,
Thank you everyone for the replies!

So any advice on how to proceed from here?

I called CashnetUSA payday loans and they
said they sold the debt to DMP (debt management partners) 800-883-9067
on Nov 30th and it seems that "Federal Check Processing " might be
connected to them or bought the debt from them.

Also when I called DMP it just goes to a woman's voicemail saying
they are DMP and SHE will call back.

Anyways, I want to pay this but I dont know who to pay now!

And it seems that I shouldnt pay "Federal Check Processing".

Am I suppose to pay them IF they are the people holding the debt?

Any advice is appreciated...feel free to message me(if possible)
if you feel more comfortable doing that.

Thanks

when any creditor legal,or not sells a debt they are no longer in the picture.in this case cashnet sold it to a complete dirtpile.if they can't at least send a basic letter then you don't pay them.they will pocket whatever you send,and either continue to harrass,or sell it to another dirtpile.refer to the link in soaplady's signature on the FDCPA.you will find it very educational,and interesting.

Once again...Thank you for the replies!

So "investigator" called my work and spoke to my boss saying his name and that he was an investigator with the county court and wanted to know the contact info for our IT guy cuz he wanted to research to see if I applied during business hours and while at work....luckily my boss is cool and gave no info. My boss also took detailed notes.

So then I called the guy and said 4 words "I heard you called..." and then he jumped in and rambling an explaination what he did and it was because I didnt call early this morning. ***I had told him I would call back today to setup a payment*** Btw, the company closes at 6pm but he gets off at 3pm (12pm my time).

Then he says "are we going to do this? Lets not talk for an hour, i get off soon".
...when he is the one rambling.

So I tell him that I was advised by my lawyer to not setup a payment until my lawyer calls him to verify some information and then we can setup the payment arrangement.

His tone changed and spoke quickly asking if my lawyer knows we have a commitment for an arrangement...I said no, but that the lawyer wants to some verify info before setup credit card payment arrangement.
Then he said that he dont have to talk to anyone and that he's not required to...and said "see you in court" then hung up.

Its funny because its not like im saying I wasnt going to pay and here is my lawyer to get you! I just said my lawyer wants to verify some info and then will setup arrangement if everything he wants to know is valid.

Wouldnt a normal collector or anyone collecting a debt be willing to speak to a lawyer? Unless of course they were doing something illegal?

So now im not sure who to pay. And if they end up selling to someone else, that new company will surely be collecting for a larger amount than my original debt
and more than what these guys are collected too.

you definitely do not pay this loser.he broke the law in so many ways including his call to your boss.you really need to file a police report from your work now on this douchbag.then get with you boss and devise a way to know when loserboy calls.just let him know you won't be talking to him,or returning furture calls.do not talk to this loser further.the more calls you return.the more he will call.i guarantee it.stop talking to this idiot now!

They call my house and cell at the same time everyday never leaving a message, spoke with my boss yesterday stating I was printing out bad checks and i have hot checks out all over the place and they are working with the sheriffs office to issue a warrant for my arrest.
I filed a complaint with the AG in my state as well as the NY AG since they are in NY. Additionally, I filed a complaint with the FCC, Ca Consumer affairs etc.
They are impersonating a federal agency, sharing priviate and confidental information, providing false information about me, defamation of character etc. Not complying with FDCPA rules. They state they do not have to however they clearly fall into the catagory of a debt collector.
Send them a cease and desist if needed, I have never gotten anything in the mail from them. They must validate the debt within 30 days of initially buying the debt and before they can attempt to collect this nonexistent debt. Ask them for proof you owe the debt, tell them your attorney needs to send them some documents you can get the address to send the cease and desist and to file charges against. Ask them for a copy of the original SIGNED loan document. They must provide you the name and address of the original creditor. You can ask for complete payment history on the account as well.
I do not have any outstanding debts or payday loans, however a year ago i applied for a payday advance. I have paid the advance off, all my accts in good standing with my banks. I changed my account numbers just to be safe since they stole or obtained a lot of my personal information.
I have never spoken with them, only my boss. They have left me a total of two messages stating they are from the office of the federal check processing, the debts are questionable, they want to speak with me about them as they seem suspicious etc. Also, they have criminal charges against me they will be filing with the sheriffs office. Funny my town doesnt use a sherriff. To my boss he is totally bsing about me writing bad checks. And an ACH debit which is how check advances usually process is totally different then a check.
I do not know what steps to take from here, I did think about contacting a lawyer for further protection and to figure out how to stop the harrassment of him calling my boss etc.

Here's how to deal with these people...when they call or you call them stare the following:1) I need to let you know this conversation is being recorded2) I need you to provide a SIGNED loan document3) I need you to provide the name and address of the original creditor4) I need you to provide a complete payment history5) I need you to provide me with your company name and address so that a cease and desist letter can be sent.They are legally required to provide you the information if it is a valid debt. Most will give up when you tell them the conversation is being recorded because they know their tactics are illegal.

MOD NOTE....DV'ING MUST BE DONE IN WRITING....NOT OVER THE PHONE. THERE IS NO LEGAL REQUIREMENT FOR THEM THEM TO RESPOND TO A VERBAL DV.

I made the mistake of paying them. What can I do now?

Did the payment go through already? How did you pay?

I did all this and the guy said that he would see me in court.

that is what most say just to neener,neener you.it is just a shot by a turdpile.there will be no court,and nothing else but nonsense from this bottomfeeder.ignore them.

call the FTC and file a complaint They were harassing me and it was not even my bill.