Reported to Colorado BBB - Get rid of GCS

The Collection agency has to validate the debt under the fdcpa act. If they are legitimately holding the account, they will have no problem giving you the validation. The saying of they are going to procede with legal action if you don't pay by tonight is their way of scaring you into it. Don't fall for it. This a common practice of theirs.

thanks!

Do you know how I can record the calls from them?
Is it as simple as just getting a regular tape recorder?

I just received a phone call from a woman asking me if I had an attorney to represent me because legal action would be taken if I didn't pay my debt by 5p.m. today. I asked her for the amount due and she put me on hold because she had to figure out the restitution amount. I was on hold for over 5 minutes and I hung up. I am so glad I came across this website. Her threat of me facing criminal charges scared me and I was ready to send the money. I'll be checking this site for further information.

amy314,

you can go to radio shack and get an adapter that suctions onto your receiver or if you have a speaker phone, just use the speaker and start recording. Be sure to check your laws in regard to recording. Some states allow one party permission and some require both parties knowing of the recorded conversation.

amy,

Check this thread; hope it will help you out:

http://www.debtconsolidationcare.com/forums/waytorecord.html

Do not send those people anything, they tried the same tactic with me I laughed, really ticked them off... They are NOT LEGITIMATE. They are frauds...

I was just harrassed by them and they stated they were collecting on behalf of my own credit union. I also informed them I was looking on the internet as we speak and stated they are listed as a fraudulent collection agency. They got really nasty and threatened me with imprisonment. I called my credit union and the rep botified thier security department. I was advised not to send them anything because anything I owed to my credit union has been paid and they did not have any dealings with this company.

I just got a call from them today stating that I need to send a money gram payment today or I would be arrested at my job or my home. What is the validity of this company? Are they a collections agency? Should I be fearful of the arrest happening? Personally, I do think that it is strange that I have not gotten a letter or anything related to the debt prior to the phone call. This is my first encounter with them can anybody help?

Tiffany,

If you browse this forum, you will find lots of information scattered here and there about IWCB and their bad practices. These are very common threats they use to get consumers scared.

Please understand they cannot arrest you without winning a judgment against you and there is no debtors' jail in our country. You have the right to demand something in writing before you pay. Ask them to validate the debt they are collecting. If they can validate the debt accurately, then only you need to pay them.

Try to contact your original lender to verify your account status. Try to get your account settled with original creditor as well.

Hope this information helps. Feel free to post your queries in forums.

i think these same people are harrassing me too. although they to;d me their name is interstate compliance bureau. and that i'm going to be arrested for an un paid payday loan. i called back, and asked the name of the company, they asked my name, put me on hold, then disconnected the call!! do you think this is the same company? there number is 1866 201 4603

Guest:
Yes, these are the same people. I recieved a call from that number also. He used the name of James Jordan and gave me to different direct ext. numbers each time he called. Read the posting on this site they are very very helpful

Guest,

Try to clear up your debts with original creditor. Members and visitors have posted negative feedback about IWCB. You can browse this forum to know more about them.

IMHO, send them a cease comm. letter so that they stop calling you. Meanwhile contact your creditor and make suitable arrangements to repay it. Use certified mails to send your correspondence and keep the return receipt with you. It can be served as the evidence of your activities in paying the debt.

I just received a call from a Mariah Varance stating that I must call her back.

The voice message her assistant Malcolm Williams left is that I should have my attorney involved.

I am thinking of calling her back and asking for her telephone number and address to verify who the company really is, etc.

CS

Darscott,

Interstate Wire Compliance Bureau is a collection agency. Perhaps they called you for any of your unpaid debts. You can verify it with them by asking for debt validation.

However, according to the responses posted in this forum, this collection agency seems to be very tough to deal with. IMHO, once you can figure out which account they are collecting for, call the OC and get it solved with them directly.

Also browse this forum to know more about IWCB.

Got a phone call from their collection agency. When I asked for verification of debt. They told me that I have already recieved it and should have printed it out in the very begining. Explained to them that I have asked for this information and under the law I am entitled they told me I was not entiltled to this information I have already recieved it and are going to mark the file not willing to pay or something along those lines. When I told that under the law I was entiltled to this information they told me I was not. Who is right and who is wrong?

Under the fdcpa laws you are entitled to a validation of debt they are trying to collect. Send them a debt validation letter and cease and desist by certified mail with return rceipt and document all conversations. If it is legal in your state, tape record all conversations. Know your rights and don't let them get away with refusing validation.

Third party collection agencies must send debt validation to you before start collection efforts. Did you receive the call from Interstate Wire Compliance Bureau? Members of this board have raised question about their authenticity. Please browse this forum to know more about them.

This article might help you understand your rights-

http://www.debtconsolidationcare.com/validation.html

Stanley,
No the call was from United Cash Loan.
Do you have any info on them. They used pinnorth(if I spelled right)for their collection agency in NM

All the collection agencies abide by the fdcpa rues. So they must send you debt validation. The reason behind asking for debt validation is not only confirming your debt amount, but ensuring if they are licensed to collect in your state too.

What exactly they mean by saying that you have already received it? Are they claiming that they have sent validation or they are referring to papers of agreement that you got at the very beginning? A paper of agreement is not validation. So you have the right to see something in writing.

You can also contact with your creditor to settle the account directly with them. Get more info on United Cash Loan here-

http://forums.debtcc.com/forums/unitedcash.html

I recieved a call from Pinion North Collection Department in Albuqerque, NM which they claim is not a third part collection agency but a payment and processing center. I explained that they had to send me debt validation under the fdcpa law and they claim they did not have to follow this law nor did they know anything about it and they were going to send the paperwork tonight or tomorrow my choice to NJ for processing. What are they? They only thing I recieved from them was an e-mail, tellimg me that my account was with them and I had 10 days to respond to make arrangements and it gives the name United Cash Loans, %Pinion North Collections Dept. and the address and phone number. How should I handle this matter? The first person I talked to could not handle the information I was giving her and she put me on hold and was connected to her supervisor and again told them about the debt validation, the FDCPA and at that point I was told they were not a third party collection agency they were a payment and processing center.

I think pinion is an in house collections for United cash loans. I received a call from them back in October he stated he was from pinion and when he called back he told me he was from oneclick cash. And they will not send you validation, I am still waiting since October and have not heard from them since. no calls and no validation letter. What they did do, was after the last call they called and left a message and told me since they didnt get any where with me they had to do an employment check. They did that because I had asked for validation and they refused and wanted me to pay right then. That was the last I heard from them.

Pinion Management is inhouse collections for United Cash Loans. United Cash Loans will threaten and make your life miserable. Pinion Management has to provide proof. If you are having trouble with them, file a complaint against them and United Cash Loans with the Nevada Attorney General office, Consumer Affairs in Nevada and in your home state. United Cash Loans loves to play games. Don't let them get you down, fight back and don't take any crap from them.

I called the FTC and by defination-United Cash Loan and turned my account over to Pinion Managment, regardless if they are in-house or payment and processing center, they are still considered a third party collection agency and are still required to validate the debt. What I find interesting is they when they called my home last night, telling me this was my last chance to settle before they sent the paperwork to NJ for processing, my caller ID was showing a name of a person and a phone number, did not recognize either the name or number, and when I heard the message they left is when they told me who they were, etc.and gave me the office number to call.

Hey, thank the lord for this website. My sister received a call today from a Kyle Watson saying he was with this company and that she needed to wire 802.00 within the hour or she would be arrested. She luckily didnt think he sounded legit so she hung up. When he called back I spoke with him, he wanted my name and i refused to give it to him, when I started questioning him he got very defensive and hung up. I called them back at the 904-483-5040 number and spoke with a lady named Angela Rodriguez, she refused to tell me what business the company dealt with unless I gave her my name. I refused and she transferred me to a Don Freeman, he is the supposed director, he too got very rude and defensive when I started questioning him about his company and he refused to give me any information. After reading all these responses we agree that they are a fraud....

thanks again

Pepper,

Also try to figure out if any of your accounts is with them or not. In that case, contact your creditor and pay the due directly to them.

Collectors cannot behave rudely with consumers. This is an offense and you should file complaint against them with FTC, BBB and AG's office.

Members of this forum have posted negative feedback on IWCB. You can browse various sections of this forum to know more about them.

INterstate wire and ellis crosby & anthony galloway are all the same, please contact the attorney general as they are working on a case against them.

People do say that. Many postings in this forum state that these are the alias of the same company. You are right, once huge number complaint is filed with AG, these companies will surely undergo an investigation. Anyway, thanks for the info friend :D

Can anyone tell me what the SOL is in the state of nj?
Having a problem finding this information

Thanks

Guest

The statute of limitation in New Jersey is 4 years from the date of last activity on your unsecured debt account.

David
Thank for the information. Let me ask you this, I recieved a call from Alliance One. A person claiming to be Linda Baker left a message, that this was not a sales call this was a bussiness matter, it would be in mybest interest to call. Did return the call to find out that this was an automatic dialer and no Linda Baker at this number, just some lady who I could not understanding very well tellimg me that PNC has given them this account to collect for bank fees and that this account was open in 1998 which I do not remember opening, never recieved anything from them in writing/phone calls all this time, nothing has ever showed up on chex system when I opened a new checking account in Aug of last year. They claim the amount owed is $400 for over draft fees. How should I handle this. They gave me a mailing address in Southeasten, PA 19398.

Ask Alliance One to give you the details of the account in writing because they must follow the fdcpa law. Moreover, this account is past the SOL period. You just don't have to pay anything even if they can prove it to be your account. You must be sure that you never made any sort of payment in this account within the last 4 years.

Use your legal consumer rights mentioned in the FDCPA. Calls can't make them get money from you. You can expect them getting harsh on you as they often do. You can take legal advice from your attorney.

Since you are sure that this is not your account, send a cease and desist letter to stop all communications with you. They must not call you over the phone or in your job. If they have to communicate with you, it should be done only through mail. Once this letter is received by them, they must not call you further. If they do, you can file charges against them for violation of the cease and desist law. If your state laws allow not taking permission from the other party, you can record the phone calls secretly.

david,

No payments were ever made by me because this is the first I am hearing about it from them. Will get out the letter to them. Thanks

Since the account is past SOL, no one can legally force you to pay it. Moreover you cannot remember opening this account too. Send them cease and desist letter and state clearly that as the SOL has expired for the said account, you are not going to pay it. So they should stop all collection activities.

Hope this will stop them, if they don't you can file complaint with FTC, BBB or AG's office.

I received my first call back in January (Karen @ 866-201-4603) relating to a payment due to Arrowhead Investments on a payday loan. They request a moneygram from Walmart in the amount of $565. Receiver code was 4192 - company name Interstate Wire Compliance Bureau. I never sent this moneygram because I felt I did not owe this money. Yesterday, I received a call from a Russell Crenshaw - 866-201-4603 ext. 208 stating that I had better get an attorney because they were going to file criminal charges for various charges and would be serving me papers as soon as they verified address, etc. Is this legit or a fraud?

Ginger,

DO NOT SEND THEM ANY MONEY, read the postings on this site you will learn more about Interstate Wire.

Sent them a validation of debt letter- todate have not recieved any thing back from them. They went and debited my account for $$. Filed a complaint with FTC
What else can I do? This arrangment was made before I sent the letter because I was scared of what they said over the phone.

They went and debited my account for $$

Do you have your bank statement for this transaction? If yes, you can prove that they received money from you.

Have they updated your credit report accordingly? If not, contact them and ask to report latest updates of your account. Also claim some proof of your payment to them.

If they cannot clear up the credit report matter, dispute the issue with credit bureaus. Keep us posted.

In the validation letter it states all collection activity must cease and desist(which I underlined and bold)and have not recieved any information from them since they recieved my letter. I used the sample that was on this site and outlined what I wanted. They have not answered my letter so how come they can still debit my account. Don't understand - they never sent me anything after the first phone conversation with them. If if heard the FTC customer service rep - and she aked me that quetion - that is also a violation of the fdcpa. Unless I am not understanding something.

Hi,

I had a credit card from a bank, had problems with the account, never put anything in writing, the bank changed hands and now I have been contacted by an attorney for collections of this account. How should I handle this matter. Never recieved any type of call or letters frim them until now.

First, send a debt validation letter to the attorney requesting for the details of this account. This should clearly itemize the amount that you owe in the credit card account. Through this validation process, you will also come to know if the attorney is authorized to collect the money from you.

After you have received the information in writing, make arrangements with the company. Prefer to have a written statement that after the account is paid in full, the update will be done in your credit file. You will sure of handling the matter in the proper way.

In a letter I got from the attorney, I noticed that the creditor is CACH,LLC and the orginial creditor was Fleet Bank. Who is CACH,LLC and Fleet Bank was taken over by Bank of America. This attorney is from MA. Will be sending a validation of debit.
I don't understand this one at all - confused

Fleet Bank is an alias of BOA and CACH, LLC is a collection agency. Seems your account has been transferred to collection agency. Ask for debt validation, collection agencies are supposed to send you debt validation according to fdcpa.

Recieved a call from United Cash Loans,from a Ms.Robison. I have sent them a validation of debt leter the end of February, no response. Changed me bank account so that they could not make a withdrawal from my account nad had the previous one reversed by the bank. They called me at work, and told me I had 48 hours to return their call. Never recieved any response to my validation letter now they are calling me, in letter they were to contact me by mail only. What should I do?

Have you sent the debt validation request to your lender or to the collection agency? Original creditors are not abided by fdcpa laws.

If your account is still with your creditor, work out some payment plan and try to get it settled with them.

United Cash Loans is very difficult to work with. I have been dealing with them. They are liars, not licensed to lend in Nevada and have several complaints against them with the Attorney General and Consumer Protection in Nevada. Also, their Carson City, Nevada address is a mail forwarding only. If you would like more info, pm me and I will give you the low down.

I sent it to Pinion North Management who is the collection agency/department for United Cash Loans.
It is the collection department who is calling me and who I sent the letter of validation too.

Pinion Management is inhouse collections for United Cash Loans and they are as difficult as United Cash Loans. I was told by Mike Tank that the address they give in Miami, OK is a false address and he works for United Cash Loans.

The address I have for Pinion Management which I got off the e-mail they sent me in December which was there first and only notification to me is listed as follows:

United Cash Loasns
%Pinion North Collection Dept - EM301
2730 San Pedre NE, Ste H
Albuquerque, NM 87110

According to the FTC they are a third party collection agency because United Cash Loans gave it to Pinion North Collections get collect the debt.
When I called the FTC - they told me I should have had some kind of correspondence from them within five days after I made the orgiinial call back in Dec and never dot anything and I have the certified mail returen card signed by someone in that office. Does the fdcpa stop them from doing anything since I have not recieved any validation from them, They recieved my letter the end of February over a month ago. Again do I pay or tell them to go fly a kite until they validate the debt

Tell them to fly a kite til they validate.

What will happen if I do tell them to fly a kite?
Have filed a complaint with the FTC -