Bass & Associates 866-900-7694 Bank Fraud

If what these people are doing is so illegal, than why haven't they been caught.

Guest, They have been caught and they have been banned in several states. I can only have hope that the rest of the states join in this fight and get rid of these people forever. KYSIDE38

I already said to call our office to get the address, also we never asked for your bank information or life history, this is information you gave up to get money. Now how can you say you want all the attorney generals to get together and shut the companies down? So who will loan you money when you need it? I mean it is obvious you borrowed money otherwise you wouldnt be contacted right.

Hopefully legislation will someday be enforced to outlaw this type of interest on payday loans. To get these loans people do give out addresses, bank info etc. The difference is a legimate bank is not going to use this against you. Most of the people on this site pay their bills. Most have overpaid these vultures. I have posted before how can anyone justify 700 plus interest? If this was a normal bank they would work with you not call the abusive collection agencies, and they do abuse excessively. This site is helping a great deal of people. Good normal hard-working people. KYSIDE38

You are so right kyside. There is no reason for collection agencies to abuse the debtors they call. All they are worried about is their commission at the end of the month. If they don't collect, they can pay for their fancy toys. I have dealt with the worst and am so glad to be free of the bottom feeders. Thank goodness for the fdcpa. IF it wasn't for that, I would hate to imagine what would happen. The bottom feeding junk debt buyers give the few good collection agencies a very bad name.

You are right collection agencies should not abuse the people. However what do you consider abuse? When someone calls your job you get upset and when they call your house you get upset? A normal bank probably wont even approve you for a regular loan that is why you chose to get a payday loan.

You really want to know what I am caling abuse? First Credit of America threatened to have my kids taken away. Ellis Crosby called and stated that my husband was in jail and he wouldn't be released til I paid them $830.00 on a $200.00 pdl. I have been told to stand on a street corner and earn the money. I you would like proof of these calls, I would be more than happy to send you the tape recorded conversations and the police reports. But you will have to give me your address for Bass & Associates before I can send you the proof of abuse!

Tammy, I am there behind you. :) It's not that you need it for sure, but I will like to accompany you. Allow me :)

Quote:

Never Mind That, What is it your business if a regular bank would approve any of us or not? Just because you are a debt collector it does not give you the right to invade everybodys life. As I have stated before the majority of people on this site are hard-working people that want to pay their bills. Bad things happen to people, losing a job, illness, etc. Does that give the debt collector the right to do what was done to myself, Tammy and countless others? I think not!!!!! That is why there are laws to stop abuse... Its time that the debt collectors be brought to justice for not following the law. If we dont follow it we get locked up. What makes you all think you dont have to follow the law? KYSIDE38

Because they all think they are above the laws and violate them. Research tells me that companies are getting caught and they are getting severe fines and penalties or even shut down. Only problem is the ones that have been shut down, reopen under a different name and start the same tactics all over again. Learn the fdcpa bottom feeding collection agencies and maybe you will get farther.

Never Mind That: My problem with Bass and Associates is that they do threaten. I just got off the phone with them not more than an hour ago regarding a pdl. Yes I will admit that I owe the debt I know that I do but did any of them ever consider the extenuating circumstances that some people have. Take me for instance, my purse was stolen from me after I left work and was on my way to the parking garage. All of my bank information was in there (i.e. my debit/atm card and my check book). My back put a hold/freeze on my account for a certain period of time so nothing can be processed. Yet, Bass & Associates does not care about that. I did not intentionally default this was by NO fault of my own. What are you supposed to do when you are robbed? Now Bass and Associates is calling me and yes they do make threats that violate the fdcpa, I can prove it because I recorded the conversation. I was threatened by Bass & Associate with prosecution and losing my job (because I am not a trustworthy employee) if I did not pay this debt by 5:00 p.m. the same day they called. As I explained, what is a person supposed to do when they have a hold on their account. I offered to pay the entire amount but that it could not be done until the hold is taken off on august 31. They did not want to here it. So you can get off your high horse and just admit that your company makes threats.

The address for Bass and Associates if 17 E. 43rd Street, Jacksonville, FL 32208.

First off that is not our address that goes to some other company. Second off what do you consider a threat? We do not sit on a high horse we are here to do a job. But what is amazing is that almost 85% of the people that take these loans out always seems to have the same excuse "oh my purse was stolen, or there has been fraud on my account". If i had a dollar for everytime i heard that i would be rich. So it is not about threats. Also Erika i hope you informed the person you spoke to you were recording the conversation cause if you didnt then it is worth zero. So maybe you should have asked to speak to a manager to try to help you.

Here are the state laws regarding recording a phone conversation:

www.rcfp.org/taping/

Depending on where Erika lives, she may have every right to record and the other party has no leagal recourse.

First, lets keep in mind that there seem to be several Bass and Associates (I do not think that they are all the same company.) According to Bud Hibbs, who is a consumer advocate and that I have spoken to recently said that there is a Bass and Associates that is a reputable law firm with offices in Georgia and Arizona. There is also one in Jacksonville, Florida. So if you are with the law firm that is in Arizona or Georgia then this probably doesn't concern you.

Secondly I have three address, two of which are in Jacksonville, Florida and one for the law firm in Arizona. One of the two in Florida was found by doing a phone number search of the phone number that came up on my caller i.d. and the second was given to Bud Hibbs when he called the number that I gave him. The number that I gave him is the number that was give to me as a call back number and when he called that number they gave him the 17 E. 43rd Street address in Jacksonville. So if you are correct in the fact that when you call Bass will give you the address they did but now you say that is incorrect? So they are lying?

Thirdly, recording a conversation in my state is legal without notifying the other party. In my state all you need is one party consent which was me. I did speak to a manager and it was the manager that made the threats.

I'm still trying to figure out why when the lady I talked to said she was discussing my situation with the District Attorney's office. I'm also still trying to figure out why I got two different calls with the same number but I was given two different company names....something just doesn't seem right...Also collection agency's are supposed to send something validating the debt, especially if it's requested by the individual. I have yet to see soemthing in the mail. Also what is the official name of the company; Bass and Associates or Bass Enterprises. When I called the original creditor they told me Bass Enterprises.

When I call 1/866-900-7694 as listed in this post, I was told Bass and Associates.

PinkLady: Please go onto budhibbs.com. He is a consumer advocate and is very informative. I have had several conversations with him. Keep in mind also, that there seem to be several Bass and Associates. One is a law firm with offices in Arizona and Georgia. The other I am assuming is in Jacksonville, Florida because of the 904 area code that showed up on my caller i.d.

Hello all that are being bothered by Bass & Associates. AKA Ellis. Just an fyi. I have read a bunch of these posts and there are a few things that you need to understand before these jerks scare you.

1. They have a huge record with the State Attorney from Florida. If you were contacted and threatend you need to get in contact with the Florida State attorney. They will send you an affidavite to fill out and send back.

2. They are Ellis. The ***** thought she muted me and didnt when i asked her for her company name.

3. THEY MUST VALIDATE THE DEBT IN WRITING!!! IT'S THE LAW.

4. Nobody has ever gone to jail, to my knowledge, for a debt. Tell them when they start in with the threats "I think i may need to have my attorney contact you" or ask for their address. 99% of the time they will hang up on you.

5. You have to understand they are low class people with very little education and they are trying in anyway to get their commision.

6. Reguardless what they say, You have the right to settle the debt with the creditor. Meaning the person that owns the right to the loan. This is not these people. If you can get an address then send a cease letter and you wont have to hear from them anymore and if they do contact you, well, you wont need payday loans anymore. :)

7. DONT LET THEM SCARE YOU. They are a collections agency just like any. A Bother, but will be shut down soon.

Get in contact with the Florida STATE attorney. And laugh when they say they are getting in touch with the district attorney because FLORIDA doesnt have District Attorneys.

To all those Bass & Associates Employees (AKA Ellis Employees) I dont know if you know this but the State Attorney has a list of all your names and aliases and will be pressing charges on the employees as well as the owners this time. Maybe you will get the bunk that Martha Stewart Slept in. Wouldnt that be cool??? You threaten people that police will be coming to their office with handcuffs but it's about to happen to all of you!!!!!

Fraud on a record will be hard to get a job with. Good Luck.

By the By, for those who want proof they are the same company, 3 weeks ago the State Attorney gave me their address for verification. and it's the same street as the Ellis company in Jacksonville FL 32208. When I spoke to them reguard this address, I was told it was the other side of the building.

Good Luck all and dont let them scare you at all. I got their number and am calling them 10 times a day to mess with them. it's fun. you should try it.

I can't wait for a response from Never Mind That in regards to the post above.

By the way. Number 4 was atually a quote from the state attorney of Florida.

And a buddy of mine had the idea with another creditor to call from pay phones where ever you go bang them on the wall then hang up. To me that is extra funny cause they wear the headsets and it's SUPER LOUD when you do that. NOT THAT I AM TELLING YOU TO DO THAT OR ANYTING *EVIL SMILE*

Air horns and whistles work good too.

After much much research, and calling ART and FSM, they are the only *two* places that will handle your debt. Bass and Associates does not exist in any public record whatsoever. I spoke with them this afternoon, after they called me a FFFFing liar on the phone, and the only two people who apparently work there currently are Shaun Lee and her (supervisor) erwin cotch, who apparently is never in except to harrass you. I had me CO call him and they backtracked on the threats real quick. My next step is to record the conversation we are going to have, have them send me verification of debt due to the FCRP, and send them proof of payment from ART. I spoke with a lovly woman named fran at ART, and she said they are a bogus company and to not send a dime their way, your debt is paid in full. On the same note, let me impress upon you the damage payday loans have on people. They are a scam. especially the internet ones. If you are ever that desperate for money, find another way. It is not worth the ahssle all this has caused. I am getting with the BBB, and the FTC, as well as apparently now the Florida Attorney General. Harasment is not a appropriate way to do buisness. and im not standing for it. I'll keep yall posted of what happens. Thanks for the heads up. when i call traced their number tho, i got 9378 Arlington expressway, suite 323 Jacksonville Fl. It doesnt matter what basement these scams run out of, they will get their just desserts.

To PittsburghLawMan for your fyi no we are not part of ellis so maybe you need to do a little bit more digging, and no we do not wear headsets!!!! Sure contact the attorney general we are not doing anything wrong. No they are not coming to arrest us you dimwit so dont spread that rumor unless you have some legal documents that this will happen. Also since when do you know of an agency to tell someone that they are investigating someone or something and they are about to make a move? So you and Budd Hibbs who probably do not have a life show me some legal paperwork then we can talk until then please do not waist your time. It is funny to me that you will call us 10 times a day. That lets me know that we are doing something right!!!!!!!!!

Everyone sing... Liar Liar Pants on Fire.

1. You are them. You are just calling yourself a different name.
2. It's not the attorney general it the state attorney you hack.
3. I have proof but have no time to explain it to you or any wanting to give it to you so you can begin to form(make up)a defense.
4. Explain to me how telling people that you are processing them(downloading) for arrest or conviction is not doing something wrong. Dont deny that you say that cause it's on Tape. From Multiple people.
5. Why work for such a questionable company?
6. Why are you coming here trying to lie. The chick thought i was muted and I heard her say "We contacted him as Ellis, Crosby & Associates.
7. Attorneys have to communicate with their clients. Me being one of them.

Say what you want here. I have the proof. You are caught and I feel bad for the people that dont have this website and see exactly who you are.

AHHH I cant belive I am actually answering someone with less brain cells then my dog.

What am I thinking.

Never Mind That: If Bass and Associates does give you their address when you call, then why when I called on August 29 and asked them for their address did they refuse to give it to me? I called the number listed at the top of this page (866-900-7694) and they refused. When they answered I confirmed that they were in fact Bass and Associates and when I asked for their address they said they could not give it to me.

They wouldn't give it to me either, if they are supposedly a legit company than what's the problem with giving out the address.

Even though Never Mind That claims that they are not Ellis Crosby, which is fine, I thought the material below would be interesting anyway. I took it from the Florida Attorney General's website regarding Ellis:

Attorney General Sues Agency for Debt Collection Abuses




Florida Attorney General Website

This was just last year. Maybe all of us should band together and contact the Attorney General regarding Bass.

Excuse me PittsburghLawMan mr. know it all if indeed you have any type of recording about anything that was done here please reveal it. I will bet any amount of money that what you are saying was said was not said. Its what your little minds want to exagerate. Now before you say anything about your dog having more brain cells than me it is obvious that your dog has more brain cells than you. Maybe you need to learn how to spell.....So please waist more of my time with this nonsense of ellis who ever they are i wish i can meet anyone of the employees from there. They really had you shook up. Poor thing atleast i know we are doing something right because you all want to get together and close companies down that wont give you any payment arrangments!!!!!

Never Mind That: Who needs to learn to spell? You do by the looks of it. It should be WASTE not WAIST.

Anyway enough bashing. Is there some reason that you cannot give us the address? As I stated above I did call on 8/29 and the person that answered the phone refused to give me the address. If you could provide the address it would save time for all of us going back and forth arguing.

If you can't post the address, please give us the reason why. Also please let us know why your collection company does not send people letters verifying the debts?

[quote][size=2]809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.[/size][/quote]

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809

You will hear it at your hearing. Last I have to say to you.

"God be with you, For no one else will be" -- Mel Gibson - Ransom

What will happen when i give you my address? Will it change anything? Will you pay your debt or continue to be a debtor? What hearing? When you have documents of a hearing please let me know. When you call my office again ask for Maria Sanchez she is a manager and will not refuse the address ok!!!!!!!!!!!!!!!

What will happen is, you will have to validate the debts you claim you are collecting on. Why is it such a secret what your address is. If you were doing nothing illegal, you would have no problem giving your address. Only the companies that are conducting illegal activites are the ones who refuse to give their physical address. Why do you have a problem giving your address? Could it be so the AG in Florida doesn't catch you?

Yes actually I will pay the debt. I told them I would mail a money order so that I had some type of proof of payment. How am I supposed to mail it if no one will give me the address.

I think you are to throw the money in the wind and it will magically float to the correct destination.

Listen people since you want our address so bad here you go: 9378 Arlington Expressway ste. 323 Jacksonville, Fla 32225. So i am hoping to hear from you all!!!!!!

Belive it or not. I was able to verify through the USPS that it is the correct address. This maybe the first truth that possibly a member of this company has said. Amazing it took 6 pages to get it out of them.

Why do you assume we have something to hide? I already said to call our office and ask for Maria Sanchez? I havent heard from anyone of you!!!!!

Finally an address! Now everyone who has been contacted by this company, make them validate the debt they state you owe. Also, now everyone can file their complaints against this company for the threats they have issued to people.

Well Tammy filing a complaint will not make your debt go away!!!!! You will still be responsible for paying this!!!! If you dont want to pay us thats fine but you will pay to another agency!!!! So dont think you are getting off. You all want someone to feel sorry for you cause you think you were threatened please people get a life. If someone owed you money you would feel different but since you all had payday loans you probably cant afford to loan money out so you wouldnt know how it feels. Stay out of debt and you wont have any problems. If you dont pay your light bill and the light company says they are gonna cut your lights off will you consider that a threat? Will you file a complaint against them? Or better yet will you tell them to validate the amount of electricity you used? No you wont cause you have to pay your light bill to live. But since you think you all got free money it's ok to have a forum and talk about shutting companies down. Maybe you all need a job or a second job to pay these debts instead of being on a computer all day talking about nothing!!!!!

Actually, when you get your electric bill, they tell you how much electricy you have used. So I guess they beat the customer to the punch and provide that information.

And if I question the usage (as I have in the past), I can call them and they will send me something. Once, there was actually a billing error that my electric company corrected.

Ok - enough with the personal attacks. Let's all be adults here and when we contact each other on the phone.

The energy company sends us a bill and statement in the mail. The energy company also gives out the address and does not threaten us with arrest if we cannot pay our bill. They don't tell us they are submitting affadavits to have somebody come and pick us up. The energy company also sets up payment arrangements if needed. Nobody on here is saying they don't want to pay their bills. I for one am not going to just up and send a company a money gram for $700 without seeing something on paper.
Which goes back to my question in an earlier post....Why doesn't your company send out letters in the mail? It's required by law, especially when requested.

Quote:

Good goddess, where are these bottom feeders coming from anymore?
If they weren't so stupid, it would be funny.

I just want to let everyone know that i have filed a complaint against bass and associates for calling and threating me with bank fraud and jail at work. I will be sending it out in a few minutes to the attorney general's office.

See zeke - I find their inability to reason and their pathetic command of the English language enjoyable.

Makes me feel smart.

Jeff..you're on to something here!
It often amazes me that these picklepusses have no grammar skills, let alone social conscience. Maybe that's why collections is the only job they're suited for.

Well i work in collections and i am getting paid!!! I have no debt at all!!!! So if that is the only job i am suited for to not end up like all of you then thats fine with me. Now i gave you our address and i am hoping to hear from all of you.

U have obviously the mind of a child.
Come back when you've grown up or when u get a life,if u r not arrested first.

can anyone help me in writing a letter for validation. I am not sure what goes in the letter i never done this before