Has anyone got a call from Greystone Alliance collection agency?

No, not that I know of. Almost all collections (Legal ones) will call at least once first. However ONCE you get the call, they have 5 days to send the dunning letter.

Second is Global Payday legal in your state do you know? Do you know if the collection agency is legal to collect in your state? You can e-mail or call your states DFI and they will be able to tell you.

If they are illegal, can you go back to your bank and get bank statements for the year that they are saying and look at the roll over fees and add them up to see if you paid the principal back?

Second I would check your credit to make sure they haven't tried anything funny by putting it on your credit report. If they have before talking to you, that is in clear violation :)

HTH

Beware of any calls from the 716 area code. Western NY is a "wretched hive of scum and villiany" to quote Obi-Wan Kenobi. If you have not already done so, next time they call, verify you are the consumer they are seeking, verify your address and inform them you'll expect their dunning letter w/in the week. End the call. Do not allow them to engage you in any conversation.

for some reason I cant read the replies that people are posting....I posted this as a guest but then decided to register for the site

You guys are the greatest! Again, I have been reading this site for at least the past 3 years. And all the info has been such a huge help.

As far as the bank statements, I had a different bank then. I can't even remember who I was banking with. I'm in Kentucky and I'm not even sure if they are legal in Kentucky. I got myself in the payday loan trap a few years ago and after stumbling upon this site I found out how to get myself out of it. I did file complaints with the Attorney General on all of them. When I looked through my bank statements back then I had paid most of the 3 times the amount they had loaned me. That's when I got smart and closed my bank account and told them they weren't getting another dime from me.

Sassy, since your in KY i'm assuming this is an Internet loan?

If it is, your safe, as all internet loans are illegal in the state of KY per KY DFI (I have e-mails from two people confirming this). You can e-mail them yourself.. and they'll get back to you in a few hours usually.

If the idiot calls back, just ingore the call. Or better yet, let DFI know that they are trying to collect on a illegal loan.

Thank you so much for the info. I forgot about telling them about the collecting on an illegal debt stuff. Great advice.

What can I do about this company? They have called five different relatives of mine and said that I was being sued. When I talked to them they would not tell me who they were collecting for,the amount they just wanted my bank info to make payments. I told them it would be a cold day in hell and they better send me something in writing. What can I do to get them to stop calling since this is illegal.

You can send them a cease and desist letter. You can find a copy of the letter on this site. They should be able to tell you who they are collecting for. Have you received anything in writing from them?

I have received calls from these people as well. After looking them up and realizing they may be a bit on the shady side, I called the number back to see what they wanted. The person on the phone said he was collecting on a debt for something that happened over 5 years ago. Someone else called several days before but I have yet to receive a letter. When the guy called (the time I called back) he said the case was new and no letter had been sent out. How could that be if I was called at least 5 days prior? Does anybody know greystone alliance address? Please be careful. In this recession, people are trying everything.

I got a phone call from a man claiming to be a lawyer and that greystone alliance buffalo new york collection agency is a lawyers office Bank of America Hired to Sue me, it is a valid debt, but I just dont have the money since I lost my job last year to pay, he threatend to take me to court, he was asking for all my bank account information (which I didnt give) I simply hung up, I havent received ANYTHING in writing and this isnt the first time they have called, its been WAY longer than 5 days, what should I do? Has greystone alliance ever filed any court cases?

My mother has dementia and lives in a retirement community. This Greystone Alliance is calling her to try to get information on me. I KNOW I DON"T have any outstanding debt and have not received any calls or mail from them. It is very upsetting to her and to me. What can I do to stop this?

This person, also from a Ms. Howes, called my parents home (I don't live there), and when I called back ,she let me know of a debt that I do not have! When I asked why I hadn???t received any documentation about this debt, she told me that she HAD sent it. Then I asked her where she had sent it (after some discussion) she quoted some address in Brooklyn, NY. I have NEVER EVER lived in NY! NOT ever, and there is NO way I or any of my bills would be associated with New York. This, coupled with the fact that she just wanted me to make arrangement with her for money, no questions asked, let me know that something was up! You???ve been warned! This company is surely a scam.

if you dont anwser their call, they will call your relatives. Isnt that harassment?

If you owe them, the best way to redeem yourself and stop the harassing calls is to pay them. Just ask them to send verification of the debt by mail. See if you can find records that prove you indeed paid them. If you did not pay them, ask for a settlement amount and get that in writing. Then PAY THEM. It does not matter if it is illegal to offer these loans in your state. You owe them. Pay them & keep up with the proof until eternity. They will aggravate & humiliate you to no end. I know.

Also, if this is not your debt, PULL YOUR CREDIT REPORT TODAY! You may be a victim of identity theft. (Relatives ARE THE WORST!!!!) ALERT the social security administration, the credit bureau & the police. Get it all in writing. Move quickly!!!

Why is it you people complain about your debts. You know you owe them why all the fuss on past debts from 5 years ago that were sold off to collection agency's. Yes collection agency's call your parents, grandparents, place of employments beacuse you keep moving and hiding from your debts..... You didnt have a problem when you used your credit card to take out your high maintenance girlfriend to dinner and pay for it with a credit card that you couldnt pay back! Just settle with them and improve your credit report.

I'd suspect the above two replies are from Graystone themselves. They called me about an account I allegedly opened in 2007 that I honestly cannot recall ever having established. They even had an address that didn't match mine for at least 10 years as being shown on the account. I requested they send valid proof by mail of the account. To this their only response was that I needed to go file a police report for theft and accused my kids and wife of having opened the account in my name. Nothing shows up on mt credit report that I pulled however since this discussion took place they call every day yelling and screaming. Still nothing in the mail sofar from them either.

They ABSOLUTELY have no right to harrass relatives.

They are required by law to send you a dunning letter detailing the debt and including dispute procedure. File a complaint against them with the FTC, the FCC, the Bureau of Consumer Affairs, your State Attorney General, the BBB, etc. If they won't send you a letter (which is *required* by Federal law - the FDCPA) I would assume they are a scam and would treat them like one.

My husband got a call from them on August 20, 2009 this is the first time that I have ever heard of them. The lady left her name as Victoria Pearson from Grey Stone Allience and said she was calling in reference to some property that he owned. I did some research and found your post she left the same phone number that you posted. She also said that she sent him some information in the mail, but he haven't gotten anything. I knew something was wrong when she said it was about property that he owned because our property is paid up and everything is legal. He have not called her back, sometimes they will approach you ina way to try to get your physical address so they can send you mail. Thanks for your post.

i do not have this account it has been paid you take it off your report are i will make other planes. this is not the first time this has happen but please make sure it is the last time. this account was paid by me through american finicial years ago take it off my report now. thank you jackie jones

I actually have a debt that I am paying off with them. They faxed over my information and everything was legit. They work out my payments for me so don't worry. It was a bill I forgot about also. If you have any doubt though just have them fax over proof of you account and they should be able to prove it.

People. THIS IS A SCAM. Use your common sense. I absolutely hate that people are being scammed by this, especially the elderly. NO, YOU DO NOT OWE THEM MONEY. I don't care if you have bought something you owe money on, THIS COMPANY IS NOT LEGIT. Don't answer the call. Don't listen to some of these others that have posted. If you owe money on something, you will be sent letters in the mail *several times*. Don't do ANYTHING over the phone, unless YOU call a specific company that you work with. If it seems illegitimate, IT IS. Warn others. If you don't recognize a phone number, don't answer it. Listen carefully if a message is left. All calls from this number and several others have never left me a message. If you feel the need to talk to these people, record it for the police. Go ahead and tell them you are doing so. But better yet, don't give them the time of day. PLEASE DO NOT BE FOOLED.

You realize that any of the actions are illegal. They can only call a friend or family member ONCE and this to get information about if you are working or living there. They cannot reveal the nature of the call. If they call about anything else, that is a violation. You people who come on here and complain really need to file a complaint with FTC and sue!

I have greystone calling me on a debt I have already paid off over two years ago. But since then I have had a divorce and we used the ex's bank to pay the debt. When she left me she kept all the paperwork we had on anything and everything. I have no way of getting the bank records now to prove this has been paid off. what should I do?

I have reported this number from greystone alliance to the do not call registry.
Maybe everyone can do the same. Make a copy of your complaint.

I just got a call from this company. The guy asked me if I would give a message to my neighbor. Gave me her name and her file number even after I indicated the call was probably about a debt as this would be the only way someone would contact neighbors. I intend to contac a law enforcement agency.

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tell them idiots at greystone alliance that if they ever call your house again then you will tear their *** head off and put them on welfare. Works for me because one *** called me from there and asked how I was doing today I said "Fine but Im sick" they told me to get up and do something with myself then they hung up and I called them back and ripped them a new ****.

Offensive language removed by Shazzers

They are doing illegal things by calling anyone to say anything about your debt. Get a lawyer, and sue them.

Greystone has called me several times looking for someone that isn't me, doesn't share my last name, never lived at my address and is not related to me. The rep was very nice, but is calling random numbers really going to turn up your missing debtor? I don't think so.

Grey Stone Alliance is formly Elite Recovery.

Overall.... They can call before sending a letter. They are probably calling to verify the address is correct. They have 3 days to mail out the letter of representation, also known as a dunning letter, to give you a 30 day window to dispute the bill owed. It does not matter at what point in the conversation the mini-miranda (informing you that he is a debt collector and any information obtained will be used for that purpose).

Collection agencies are really easy to deal with. If you can find the proof that you paid it, send it to them. Ask what day the last time the bill was paid. That will give you a general direction of where to look.

Also, if you find it on your credit report before they spoke with you, that IS NOT necessarily a violation. They usually give you anywhere from 30-60 days to either dispute that debt or to take care of it prior to it being reported.

ALSO, something that people don't understand is.... although you may have an account that was opened in 1999, it would be 10 years old. BUT the statute of limitations is in effect 7 years from the date of last activity, meaning the last day the account was paid on. So if the last time you paid the account was any time after 2002, it will appear on you credit report. HOWEVER, for people who are interested in cleaning up their credit and can not afford to pay the whole thing at once, but would like to at some point.... well here is a good tip for you. Take a SETTLEMENT. This will stop the interest from accruing on the account and it looks much better than not paying it at all. Then when you have the money to pay the rest of it, you won't have any interest that has accrued since your last payment.

Collection agencies are really not that bad. You'll come across some people that are very rude and will be condescending, but that is when you turn to that collector and say.... "I'm helping you hit your quota by talking to you... you may want to change your tone and be a bit less evasive. This way we can help each other."

I think that everyone that posts their brilliant comments on what is legal and what is illegal should really brush up on the FDCPA before deciding to make a post. Take into consideration what state you live in as well because each state has different laws. I think the point I would like to make is that you owe a debt that you created yourself and instead of trying to hide from it make arrangements to start paying it. Everyone of you is complaining about the tactics that collection agencies use to find you. Did you ever think for one second that instead of swearing and telling people that actually have nothing to do with the position you put yourself in to do what you have to do, maybe just maybe you should try to work something out. Most collection agencies are very willing to work with you but you insist on pretending to know the law and being as vulgar and rude as possible to the collectors. The credit card company didn't put a gun to your head while you were signing that contract nor did you read the fine print about over limit fees and interest. Hmmmmmm, should you be blaming yourself?

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unfortunately they are the really loud minority,but you hear about them the most because of their tactics.

Greystone Alliance, Tony Fisicaro / CEO President, 1-716-218-4800 ex 4811
Danile Frisicaro/ Director of Support Services 1-716-218-4800 ex 4868
You can find their names on the website, I say call them and inform them of any harassment. Maybe they will stand up and take notice!

Called me today , wouldnt tell me what it was about. A past debt, told him it was being handled by a debt settlement company, he asked me to send a POA but he gave me no other information when I told him it was being handled by someone else.Came in on my caller id as716-218-4883.

I received a FIRST call from a Michael - 716-218-4861 from GREYSTONE ALLIANCE. He was as nasty as he could be. He started off RUDE and got much more rude (within several seconds of calling me for the FIRST TIME) -- comparing me (without even knowing me) with other people and himself. He yappered on and wouldn't let me get a word in -- as he talked abusively. This all took place within a few minutes -- I hung up on him because I wasn't going to take that kind treatment.

MY ADVICE IS IF YOU SEE A 716-218--- NUMBER BEWARE. IF IT'S GREYSTONE BE READY FOR ABUSE (THEIR MOTTO IS "A CLIENT FIRST" COLLECTION AGENCY). I CAN'T IMAGE ANY CLIENT BEING HELPED BY THIS GOOF!

Everyone is an individual with different situations. You have no idea what each of these situations are to judge people for what has happened to them (until you get the full story). If you don't know where these people came from or what they are going through to I think it is unfair, prejudicial, and very closed minded to lump everyone into one situation. I am glad I do not think like you and hope most people are not as close-minded as you appear to be.

You know who I heard has more unpaid debt than anyone? Debt collectors!

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Writing

Hello,
Could you research why I have paid you an aount of $307.95 on 5-6-09, hank You.
do not post your email address, it is against the TOS.
[EMAIL="Tilty.mfg@gmail.com"][/EMAIL]

Somebody claiming to be a Mike Mercer with Graystone Alliance telephoned here and left a message. His caller ID information was "Unknown number" according to one display here, and "Out of Area" for both name and number on another display. He said to return his call to 888-727-4798. A search on this number turned up as belonging to the president of a Muskegon, MI photography studio which does not seem to have a spotless reputation.

I am a collector not at this company but was looking up online and found this page....i agree with the comment on people in debt should no the laws of there state they live in. And as a collector i feel that people that are in debt and are getting calls from us shouldn't be rude and i have a reason behind that....not all collector's are rude and not all collector's threaten jail and or wage gar. So in that case i don't think people getting telephone calls from collections should judge us because for one we don't judge you when we are trying to local you. a collector like I am actually try's to help people get out of debt the best way they can afford with out taking food off the table for the family.... just please from a collector remember we all aren't bad and hear the collector out before judging them. yes alot are very very rude and i agree they shouldn't do the things they do to people its flat out WRONG! but we are just doing our jobs. Also a tip for some people in debt there are pre legal accounts out there and they do sometime sue. you need to no the correct status on your account and NO COLLECTOR CAN REFUSE A PAYMENT!!

- Sincerely
A collector trying to make a living just like you :)

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Just got a call from my mother saying that Greystone has been calling them at least 3 times a day looking for me, which is definitely harrassment! I called up the number she gave me and the man said I owed $998 to a company called HBBC, which I've never heard of. He said I could give him my debit card information and money could be taken out monthly. There is no way in hell I'm gonna give out my bank account information to anyone. SCAMMERS!!!!

Has anyone ever been sued or garnished by GreyStone Alliance? They are calling me about a debt that I do in fact owe, I do not have the money or the company would have been paid and not turned over to collections. I would have a house of my own to live in and not depend on my mother and grandmother for a roof or live out of friends and other relatives homes. If I had the money, I could afford new clothes as mine are years old. If I had the money my other bills would be paid too. If I had the money I would not be recieving medicaid to help me with my pregnancy. I agree the collectors for GreyStone are quite rude and angry. I lost my temper with one yesterday as I have told hime numberous times to send me a statement and I have not recieved one. he called me a liar and that made me MAD. If I had recieved one, I would have called him back and tried to work something out. I am now justy wondering if I should try and file bankruptcy or if they can or will sue or try to garnish my wages?

I bet this was written by someone from Greystone!