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ShanG

Anyone heard of Liberty (collection agency/attorneys?)

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Let me start off by saying that we paid off ALL our consumer debt a year ago August. It tanked our credit, but we are debt free. Well except for an erroneous tax debt stemming from my husband's identity theft in Nov. 2000, that is -- we've been fighting this for nearly 12 years now. Yes, I have proof of all of this -- fraudulent w-2's, letters from those companies stating my husband NEVER worked for them and PIF letters from all our former creditors. And CR showing all debts "paid as agreed".

 

Wednesday morning, I got a call from an Andre Davis asking for my husband. When I asked what company he was from, he said he wasn't from a company, he was from [my county] "processing and assignment division 'in Cali'". I told him that the number did not show on the caller ID as being a county number and that it showed 'unavailable 1' which usually indicated a spam call. To which he responded "well you can think it's a spam call but there will be MISDEMEANOR charges filed against your husband for violations of section 3-1042b for fraud, fraudulent checks and attempting to defraud a financial institution ". But I could stop this from happening by contacting the "lawyer" handling the case at 866-373-2394.

 

Ummm...

 

I already knew this was a scam because no criminal charges can be filed against anyone for consumer debt, but I decided to fish because, quite frankly, this guy pissed me off by pretending to be an officer of the court, lying about criminal charges, and, most importantly referring to California as "Cali". Sorry, but that dumb rap song from the 90's has screwed up more conversations than I care to remember. LOL

 

I called the number and a man answered who did not give his name and reiterated what Andre Davis had said to me. The "lawyer's office" is a place called Liberty. He said the collection account was for a company called Plain Green Loans and my husband owed them over $1800. I told him I knew nothing about this company and he needed to send me something in writing via US mail in accordance with the FDCPA. He said he had sent emails. I told him that wasn't legal, no one could be prosecuted criminally for debt and that he had violated federal and state laws regarding collections by the statements he and the other man had made to me, including giving ME information about my husband's supposed debt.

 

He, of course, disagreed.

 

I hung up with him and called my county DA's office. I asked if the stated department even existed and was told no. I was also told that the special prosecutor's office had received many calls about similar types of things and did I want to file a complaint. Which, of course, I did. I then called the state AG and found out that this Plain Green Loans is not licensed in CA.

 

Then, I decided to call these asshats back and tell them what I'd discovered and that I was filing charges and complaints against THEM for violations of the FDCPA, impersonating an officer of the court and anything else I could find. I also told him that if they attempted to contact my husband, his place of employment, myself or anyone we know again, I would take them to court and any and all correspondence MUST be via US mail ONLY.

 

Then he put his supervisor on the line, a woman named Sarah Cain. She proceeded to tell me that their client was a company called Think Cash. Never heard of them, just like I've never heard of Plain Green Loans. She proceeded to tell me that the FDCPA did not apply to Liberty, only 3rd party collection agencies. I said that unless she was in-house with PGL/TC, she was THIRD PARTY. She didn't like that. When I said that PGL was an illegal company, she stated that if they were illegal, then my husband bears responsibility for taking a loan from an illegal company!!

 

SERIOUSLY?!?!?!

 

She asked about an email address and I said I had no idea who it belongs to because my husband does not have one, only one for work that is just a few months old and strictly regulated. She told me she was doing a background check on the email address to prove it was his. LOL I told her that she wasn't going to get me, she needed to send a letter in the mail with validation of this debt, proof it was my husband's and to never contact either of us, family members, employers or friends by phone again or there would be a lawsuit. In fact, I would likely sue anyways for the false representation of an officer of the court and threat of criminal charges.

 

That really got her. She stated she had heard the entire conversation between myself and the "lawyer" and he'd never said anything about misdemeanor charges. I had to tell her that it was during my initial contact from Andre Davis & my first conversation with the "lawyer" in which the false claims/threats had been made. I also told her that section 3-1042B existed, but only in the IRS tax code. She had no answer for this.

 

I again reiterated that they were to ONLY contact us via US mail and hung up.

 

Ok, after that lengthy story, here are my questions:

 

Does anyone have ant info at all about this Liberty place? Address, phone number -- other than the one I gave earlier?

 

Who are Plain Green Loans/Think Cash?

 

How should I proceed to get them gone and hopefully prosecuted/fined within an inch of their lives?

 

If the FDCPA truly does only govern 3rd party collectors, what laws govern in-house collectors?

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:clapping: :clapping:

 

 

 

it's a payday lender scam.

 

Plain green loan and think cash are Payday lenders located on indian reservations.

 

http://www.businessweek.com/news/2012-06-04/payday-lenders-and-indian-tribes-evading-laws-draw-scrutiny

 

 

if an inhouse collector goes by a different name than the OC lender , they are considered CA's subject to the FDCPA. many rulings on this at the federal level.

 

http://www.ftc.gov/opa/reporter/finance/paydaylending.shtml

 

The FTC has also filed recent actions against scammers that contact consumers in an attempt to collect fake “phantom” payday loan debts that consumers do not owe. Further, the FTC has filed actions against companies that locate themselves on Native American reservations in an attempt to evade state and federal consumer protection laws.

 

 

 

File a complaint with the FTC and make sure you give them the phone number you used to call them.

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Does anyone know where I can find an address for this Liberty place? And is there a link to the FTC ruling against these type of people who try to evade the law by locating themselves on reservations?

 

Also, is there any chance at all that I can nail these SOB's with fines?

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Does anyone know where I can find an address for this Liberty place? And is there a link to the FTC ruling against these type of people who try to evade the law by locating themselves on reservations?

 

Also, is there any chance at all that I can nail these SOB's with fines?

 

 

 

File the FTC complalint.

 

 

did you follow the links, read the article and google a few names, you arrive at the FTC site.

 

 

http://www.ftc.gov/opa/2012/04/amg.shtm

 

 

 

http://www.libertycashloans.com/

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Does anyone know where I can find an address for this Liberty place? And is there a link to the FTC ruling against these type of people who try to evade the law by locating themselves on reservations?

 

Also, is there any chance at all that I can nail these SOB's with fines?

 

 

 

File the FTC complalint.

 

 

did you follow the links, read the article and google a few names, you arrive at the FTC site.

 

 

http://www.ftc.gov/o...012/04/amg.shtm

 

 

 

http://www.libertycashloans.com/

 

That's not the same place. This Liberty attorneys/collection agency is not a lender, they are collecting for Plain Green Loans. I need info/address on Liberty for the complaint.

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I bet it's the one and the same - and I'l bet you were not talking to an attorney either.

 

 

http://www.libertycollection.us/

 

 

 

and here is thier information from whois.

 

Domain Name: LIBERTYCOLLECTION.US

Domain ID: D29410434-US

Sponsoring Registrar: PDR LTD. D/B/A PUBLICDOMAINREGISTRY.COM

Sponsoring Registrar IANA ID: 303

Registrar URL (registration services): www.publicdomainregistry.com

Domain Status: clientTransferProhibited

Registrant ID: DI_12444617

Registrant Name: Tito Fernandez

Registrant Organization: Liberty Collection

Registrant Address1: 602 East Market Street

Registrant City: San Antonio

Registrant State/Province: Texas

Registrant Postal Code: 78205

Registrant Country: United States

Registrant Country Code: US

Registrant Phone Number: +1.2105196785

Registrant Email: libertycoll@aol.com

Registrant Application Purpose: P3

Registrant Nexus Category: C32/US

Administrative Contact ID: DI_12444617

Administrative Contact Name: Tito Fernandez

Administrative Contact Organization: Liberty Collection

Administrative Contact Address1: 602 East Market Street

Administrative Contact City: San Antonio

Administrative Contact State/Province: Texas

Administrative Contact Postal Code: 78205

Administrative Contact Country: United States

Administrative Contact Country Code: US

Administrative Contact Phone Number: +1.2105196785

Administrative Contact Email: libertycoll@aol.com

Administrative Application Purpose: P3

Administrative Nexus Category: C32/US

Billing Contact ID: DI_12444617

Billing Contact Name: Tito Fernandez

Billing Contact Organization: Liberty Collection

Billing Contact Address1: 602 East Market Street

Billing Contact City: San Antonio

Billing Contact State/Province: Texas

Billing Contact Postal Code: 78205

Billing Contact Country: United States

Billing Contact Country Code: US

Billing Contact Phone Number: +1.2105196785

Billing Contact Email: libertycoll@aol.com

Billing Application Purpose: P3

Billing Nexus Category: C32/US

Technical Contact ID: DI_12444617

Technical Contact Name: Tito Fernandez

Technical Contact Organization: Liberty Collection

Technical Contact Address1: 602 East Market Street

Technical Contact City: San Antonio

Technical Contact State/Province: Texas

Technical Contact Postal Code: 78205

Technical Contact Country: United States

Technical Contact Country Code: US

Technical Contact Phone Number: +1.2105196785

Technical Contact Email: libertycoll@aol.com

Technical Application Purpose: P3

Technical Nexus Category: C32/US

Name Server: NS1.MD-23.WEBHOSTBOX.NET

Name Server: NS2.MD-23.WEBHOSTBOX.NET

Created by Registrar: PDR LTD. D/B/A PUBLICDOMAINREGISTRY.COM

Last Updated by Registrar: PDR LTD. D/B/A PUBLICDOMAINREGISTRY.COM

Domain Registration Date: Wed Sep 08 12:09:20 GMT 2010

Domain Expiration Date: Sat Sep 07 23:59:59 GMT 2013

Domain Last Updated Date: Sat Aug 25 06:09:33 GMT 2012

 

>>>> Whois database was last updated on: Fri Dec 14 01:56:20 GMT 2012 <<<<

 

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information for the WHOIS database through a .US-Accredited Registrar.

This information is provided to you for informational purposes only and is

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All domain names are subject to certain additional domain name registration

rules. For details, please visit our site at www.whois.us.See Underlying Registry Data

 

 

 

 

 

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Oow, oow,,,,, they have a face book page too....

 

http://www.facebook....177362082301607

 

 

why don't you post and see if you can be unfriended. ?

 

have you ever used GOOGLE?

 

everything I need to know about FDCPA case law I've learned on Google

 

It's how I found CB ! .

 

 

EEEWWWWW on the Fb page. LOL

 

The ORIGINAL link you gave me was this: http://www.libertycashloans.com/

 

I googled "liberty collections/attorneys" and the phone number until my fingers were numb and came up with zilch. LOL

Edited by ShanG

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"whois" is a database of all domain names and addresses associated with same.

 

 

 

so once you google their main website page, and they don't have an address listed,

 

 

 

use whois, using the website domain address

 

 

http://whois.net/

 

 

 

or if you're searching for a companies main corporate officers and address, and you know it's publicly traded,

 

search the securities and exchange commision website.

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But I need to connect that place you found with this number 866-373-2394 and I can't yet. OY.

Edited by ShanG

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But I need to connect that place you found with this number 866-373-2394 and I can't yet. OY.

 

 

it's an 800 number - let the feds do it -

 

they picked up the phone and they ID themselves, didn't they?

 

And since this is a real live CA, your DH may have a different problem altogether. and are back into the ID theft.

 

 

SO, Before you do this all, have you checked yoiur DH credit report recenetly and see if there are any other fraudulent accounts?

 

if someone took out a online Payday loan using your DH name and phone # , but with a different email address, you may have a bigger problem than just the CA calling and FDCPA violations.

 

Have you recieved any notice letters from them yet?

 

Send LIberty a letter to the attemtion of the "Compliance Dept" immortalizing all the conversations, Claiming all the FDCPA violations and Claim ID theft and demand All the information that they have on who took out this loan, when and where and the IP address of the originating computer.

 

links to the FDCPA and FACTA are in the laws laws laws forum, and you should probably read the ID theft forun pinned topics why your at it.

 

they have to provide this under federal law.

 

 

if yoiu find that they have just contacted the wrong person, that's not ID theft,

 

but it remains a FDCPA Violation.

 

 

 

As far as the " erroneous tax debt stemming from my husband's identity theft in Nov. 2000, that is -- we've been fighting this for nearly 12 years now. Yes, I have proof of all of this -- fraudulent w-2's, letters from those companies stating my husband NEVER worked for them and PIF letters from all our former creditors. And CR showing all debts "paid as agreed"."

 

File a complaint with the CFPB against the CRA's http://www.consumerfinance.gov/complaint/

 

When you have all the documentattion and the IRS states that the debt isn't your DH's, it needs to be deleted.

 

 

the CFPB isn't taking complaints about CA's yet - the FTC still is.

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So I received a call from this company named Liberty the number was‭ (855) 207-8617‬ & the lady name was Raven Burns. They also called my mother, brother, & uncle. I don’t know how they got my uncle’s number because I never put him down for anything I may need references for. Any who they told my brother that if I didn’t call them back my next step would be jail. They gave him a case number (which I didn’t think they’re suppose to do).

When I called and gave the case number they asked for my date of birth and gave it to them then she asked was the last 4 digits of my social correct and she told me the last 4 digits (which one something else I didn’t think they’re suppose to do).  She proceeded to tell me she had to get a lock off my case and when she came back to the phone she stated my whole social security number. She told me I owed a loan place $285 and if I didn’t pay that I would be taken to court and I would have to pay $1,000 of dollars because of the court fees. 
 

I’m only 21 so I don’t really know much about this, so my mom asked for her name, her badge number, and the company she works for. She said they didn’t have badge numbers she only had an extension number. My mom told her that we were trying to make sure this was legit before we give our information. The lady then got mad and began talking loud and got an attitude. After the conversation she asked for a BANK card to link back to my social security number. I was about to give my bank card then I thought about it and decided to give my cash app card number. Yes, cash app ask for your social but it is not a bank where you can write checks or anything like that which is what she said she needed. Once I gave it to her she made me answer questions on a recorder line saying that I agree that they could take the money off my card Wednesday morning at 9. 
 

I don’t know if I did the right thing and I need help ASAP so I can know if I need to cancel my card and get another one or if this may be real. 

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The dollar amounts in both the original dusty OP and the bump of the thread are clearly consistent with payday lending.  However, these are not matters, even when legitimate, where one is going to do well trying to resolve them by phone.  You WANT a paper trail for MANY reasons.  The other party is not apt to have the paper trail because of how those accounts were sold after so many of the bubble-wrap generation went crying to the Legislatures because they were incapable of doing simple math.  Some people have simply received a 1099-C for the amount they chose not to repay while others are getting calls such as are described in this thread. 

 

However, there is another misconception advanced in the early days of this thread.  Where one takes out a loan and does not ever attempt to repay, then prosecution absolutely CAN be sought in some jurisdictions.  This is especially true with the payday lending outfits where they were essentially taking a check in advance of the payment.  It becomes a bounced check, which IS something that can be prosecuted.  In most jurisdictions, the dollar amount is not going to rise above the misdemeanor level.  Whether a County or District Attorney would accept the prosecution is not relevant for the purpose of discussion here.  The simple fact is that, yes, one COULD be prosecuted criminally for a refusal to make good on certain debts...

 

There are also, outside of the payday lending avenues, cases where prosecution can occur if there is collateral involved in a note or where there is the faintest whiff of fraud in the application process. 

 

Base to the bump of the thread, it is not incorrect to assert that additional fees could be owed if the matter went to court and the Plaintiff obtained a judgment.  The Court will generally award attorneys fees, costs of prosecution and both pre- and post-judgment interest.  However, service of process has to be perfected first. 

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8 hours ago, Ms2012 said:

So I received a call from this company named Liberty the number was‭ (855) 207-8617‬ & the lady name was Raven Burns. They also called my mother, brother, & uncle. I don’t know how they got my uncle’s number because I never put him down for anything I may need references for. Any who they told my brother that if I didn’t call them back my next step would be jail. They gave him a case number (which I didn’t think they’re suppose to do).

When I called and gave the case number they asked for my date of birth and gave it to them then she asked was the last 4 digits of my social correct and she told me the last 4 digits (which one something else I didn’t think they’re suppose to do).  She proceeded to tell me she had to get a lock off my case and when she came back to the phone she stated my whole social security number. She told me I owed a loan place $285 and if I didn’t pay that I would be taken to court and I would have to pay $1,000 of dollars because of the court fees. 
 

I’m only 21 so I don’t really know much about this, so my mom asked for her name, her badge number, and the company she works for. She said they didn’t have badge numbers she only had an extension number. My mom told her that we were trying to make sure this was legit before we give our information. The lady then got mad and began talking loud and got an attitude. After the conversation she asked for a BANK card to link back to my social security number. I was about to give my bank card then I thought about it and decided to give my cash app card number. Yes, cash app ask for your social but it is not a bank where you can write checks or anything like that which is what she said she needed. Once I gave it to her she made me answer questions on a recorder line saying that I agree that they could take the money off my card Wednesday morning at 9. 
 

I don’t know if I did the right thing and I need help ASAP so I can know if I need to cancel my card and get another one or if this may be real. 

welcome to CB!

 

sadly it sounds like you were snookered. What is the cash app (I assume this is some sort of debit account)? is there much money loaded? be careful as scumbags like this might take more than you authorized.

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12 hours ago, hegemony said:

welcome to CB!

 

sadly it sounds like you were snookered. What is the cash app (I assume this is some sort of debit account)? is there much money loaded? be careful as scumbags like this might take more than you authorized.

Cash app isn’t a bank card. I can order another card with no problem. 

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On 10/22/2019 at 8:52 PM, hegemony said:

welcome to CB!

 

sadly it sounds like you were snookered. What is the cash app (I assume this is some sort of debit account)? is there much money loaded? be careful as scumbags like this might take more than you authorized.

 

+1,000.

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