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HoustonLynne

Absotively, posilutely FLABBERGASTED I am.

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I've spent the past 4 hours hammering the johnny-come-lately payday loan scammer who made the woeful error of calling me from a local spoof at 3:49pm CDT.

 

FTC...CHECK

CFPB (including .wav files of voicemails)...CHECK

Family who can expect a call to "locate me" any minute now...CHECK, CHECK

 

But the part at the end of this story floored me.

  1. I mistakenly answer the first call and can tell it's a call center. I quickly wiggled out of it before he could launch into his routine, because I truly was on another call.
  2. He calls back 30 minutes later...I let it go to voicemail. None left.
  3. Nineteen minutes pass; call #3.
  4. Half hour passes; call #4.
  5. FOUR MINUTES later comes call #5...and voicemail #1. (Guess who's getting served tomorrow...?!) :wave: AND...he left a toll-free number with his extension. :yes2:
  6. I call him right back and go right into MY "routine" as soon as I told him my name.

ME: Mr. Castillo, do you have something to write with? Good. I'd like you to meet me at my attorney's office tomorrow to serve me. Her name is ________ ___________,

and I'll spell it for you. That's __ __ __ __ * ...are you writing this down...??

HIM: Um...well...let me transfer you to a claims agent who can explain the situation to you...

ME: You can't tell me the info...? Your voicemail sounded rather authoritative -- actually, Mr. Castillo, it sounded overtly threatening -- so I'm quite sure you can handle this yourself.

HIM: Well, don't you wanna know what the claim is about??

ME: No, I don't. From your tone, I am clearly in a lot of trouble. You haven't mentioned that this was an attempt to collect a debt, either, so I assume you're calling about criminal

charges. My attorney will take it from here, but I'll meet you there tomorrow. Take down this address... (he fumbles through paper...) She's a federal and state felony defense

attorney, and her office is the entire 24th floor of 987 Main St., Hou...are you getting this on paper, Mr. Castillo...?? (he repeats the address so far...) Good. And I'll see you there

at 1pm. Please don't be late, because she play tennis with District Attorney D@v0n And3rs0n at 3pm.

HIM: Well, let me get you over to a claims agent to discuss this first...

ME: NO. I've told you where to find me. Your voicemail said you needed to verify an address for processing & serving a "claim" tomorrow. And ALL further communication

WILL go through my attorney. DO NOT EVER call this CELLULAR NUMBER AGAIN. Do you understand me, Mr. Castillo?

HIM: (He places me on hold to shut me up; muzak commences; I promptly hang up.)

 

Now I'll be a MONKEY'S UNCLE if he didn't call me back in 90 seconds...called THREE times (those were calls #5, 6 & 7 inside of 90 minutes!) trying to force me to pick up...and then left a ridiculously aggressive message and said his next call would be to my "references" if I didn't call him back immediately.

 

Now I have to confess that, for those 90 seconds between hanging up on him after he was squirming and stammering and confused as H3LL...I felt sorry for the putz. I know his buddies were sitting next to him in that rinkydink cubefarm ...laughing their butts off at him. :cry2:

 

But when he lost his mind -- conceded to his assaulted pride -- and CALLED ME BACK..........?!?!??! Meh. I got over it. :dntknw:

 

Interesting tidbit: I've filed CFPB complaints against companies whose addresses I didn't know in the past, and they fell flat because the company isn't "registered" with the CFPB.

This one actually pre-populated when I filled in the "company" field -- but the CFPB doesn't have their address, either, it would appear. Looks like someone is already

watching these nimrods. :clapping:

 

SEVEN calls & 2 voicemails in 90 minutes...? :swoon:

Harass much...?! :rofl:

 

ETA -- Post #1000 for me!! Yaaaay!

Edited by HoustonLynne

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Can't believe this post made it to the 2nd page without a comment.

 

You've sure got the power. :aggressive:

 

I'd say "you go girl" but I don't want to have my head be lonesome for my shoulders. (or is it the other way around?) :blush2:

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Good work...they can't stand when a consumer is aware of their rights. Houston, now you gotta hit 'em where it hurts...the wallet. That's the only way to slow them down IMO.

Edited by BamaInvestor

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did you have any idea about what debt he was calling about? I only had to get this mean once...the guy CAME TO MY HOUSE and handed a bill and discussed it with my HOUSEGUEST...and yes he knew it was not me (wrong sex, different name).

 

I sent him a list of the laws he had broken. Guess I am not buying my flowers at THAT nursery again...but it is upsetting nonetheless. Of course, we could have that job and be ready to jump...

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It's so empowering when you know what to do! I almost WANT a collector to call me now.

I had one on the phone a few weeks ago and I had a PFD in writing and had paid it. It had not been deleted yet, so I called. I know I'm not supposed to, but the female on the line said "we will list it as a paid collection". I said no you will delete it. She said " I'm glad you think that we will." I responded with "you will and you will like it!"

 

Well maybe I got a little cocky, but three days later gone from all 3 bureaus. Haha!

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Grats to your success with the caller but I would not be fooling with these guys and simply hang up and not answer any other calls that they make, it is very easy to slip up and give them info that they can use without you even realizing it. All communications with legit debt collectors should be made by US Mail...

Edited by gdale6

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I know. I wonder if they teach them classes on how to get a rise out of people or it's just human nature.

I have worked in collections for years in the RTO industry in all levels and it's funny the folks that had their lives together seemed to be more polite and understanding and therefore better collectors. On the other hand the folks that were irresponsible with their lives seemed to take it out on the customers.

 

It was not the same as the collectors we deal with here, but principals are similar.

 

Houston- sorry for the hijack!

Gdale- I was just trying to illustrate a point. I don't want any newbies to get the wrong idea. Thanks

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I know. I wonder if they teach them classes on how to get a rise out of people or it's just human nature.

I have worked in collections for years in the RTO industry in all levels and it's funny the folks that had their lives together seemed to be more polite and understanding and therefore better collectors. On the other hand the folks that were irresponsible with their lives seemed to take it out on the customers.

 

It was not the same as the collectors we deal with here, but principals are similar.

 

Houston- sorry for the hijack!

Gdale- I was just trying to illustrate a point. I don't want any newbies to get the wrong idea. Thanks

No worries at all -- those are some keen observations about humans, my friend. ;)

 

Yeah, I would NOT want anyone to follow my example if they don't know exactly what they're dealing with.

I should have added the following obligatory disclaimer:

Don't try this at home! *Professional stunt driver on a closed course.* :wave:

 

If there were ONE chance in a GOOGLE that these people actually had a legitimate claim against me, I'd never have called them back.

And by legitimate claim, I mean ANY debt, whether time-barred or not.

These peeps are complete fraudsters. In fact, one of the top Google hits I found using a quoted search of their name was this:

http://www.ftc.gov/news-events/press-releases/2013/08/ftcs-request-court-orders-halt-debt-collectors-illegal-practices

 

I'm not certain these are the same people, but I'm wondering if these bottom feeders are using the same or a very similar name as a smokescreen -- like a copycat killer. :dntknw:

And the CFPB sure had them on the books, but I thought it odd that their address isn't listed with their name in my complaint.

When I file one against EQ, for instance, I can choose EQ among a list, and it doesn't ask for their address...but my complaint HAS their address when I look at the finished product.

This company popped up right away when I typed their name -- no address requested. But there's no address for them on my complaint.

And the CFPB already "forwarded" my complaint to them for review. Hmmm...

 

Haha...I read my OP again, and I was off on the math. I was so amped on adrenaline! I double-counted call #5...EIGHT calls in 90 minutes. :swoon:

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Can't believe this post made it to the 2nd page without a comment.

 

You've sure got the power. :aggressive:

 

I'd say "you go girl" but I don't want to have my head be lonesome for my shoulders. (or is it the other way around?) :blush2:

Welllll...I'm still feelin' pretty outraged, so I'd be careful with my language, if I were you! ;) And YOU'VE sure got the power -- of a *D Amex! Congrats, Mr. 1984! :clapping:

 

did you have any idea about what debt he was calling about?

Oh yeah -- I know exactly what debt he was calling about.

A debt that never existed. It changes shapes and sizes -- sometimes I'm told it was done online; other times they tell me it was a walk-in facility.

The original loan amount varies. Sometimes it's bank fraud; one was wire fraud; some are felony theft by check.

The only characteristic they ALL have in common is that every last one of them is 100% fiction. :wave:

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Grats to your success with the caller but I would not be fooling with these guys and simply hang up and not answer any other calls that they make, it is very easy to slip up and give them info that they can use without you even realizing it. All communications with legit debt collectors should be made by US Mail...

+1000

 

Sent from my SCH-I605 using Tapatalk

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My new friend hasn't called today, and I didn't get served.

 

Do you think I hurt his feelings by not taking the "ONE FINAL OPPORTUNITY" he gave me to call him...? :(

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My new friend hasn't called today, and I didn't get served.

 

Do you think I hurt his feelings by not taking the "ONE FINAL OPPORTUNITY" he gave me to call him...? :(

Maybe he was just looking for a date....

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Haha...he picked the wrong chic on both counts! I don't roll over for scam artists, and I don't date anything that remotely resembles (or impersonates) a cop. :D

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have never gotten one of these calls. Great reaction... do you think that some people pay this chocolate? I guess some people have lost track.. I know that I have been near that place but not with payday loans...

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My new friend hasn't called today, and I didn't get served.

 

Do you think I hurt his feelings by not taking the "ONE FINAL OPPORTUNITY" he gave me to call him...? :(

 

It's so hard to get good service these days. They promise and don't deliver. What's the world coming to? :cry2:

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you should file a complaint with the FTC on CA calls too.

 

the FTC is the one who's been going after the scammers, every little bit helps.

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There should be a rule/law which makes the OC responsible for these CA tactics. That would solve a lot of problems.

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I've spent the past 4 hours hammering the johnny-come-lately payday loan scammer who made the woeful error of calling me from a local spoof at 3:49pm CDT.

 

FTC...CHECK

CFPB (including .wav files of voicemails)...CHECK

Family who can expect a call to "locate me" any minute now...CHECK, CHECK

 

But the part at the end of this story floored me.

  1. I mistakenly answer the first call and can tell it's a call center. I quickly wiggled out of it before he could launch into his routine, because I truly was on another call.
  2. He calls back 30 minutes later...I let it go to voicemail. None left.
  3. Nineteen minutes pass; call #3.
  4. Half hour passes; call #4.
  5. FOUR MINUTES later comes call #5...and voicemail #1. (Guess who's getting served tomorrow...?!) :wave: AND...he left a toll-free number with his extension. :yes2:
  6. I call him right back and go right into MY "routine" as soon as I told him my name.

ME: Mr. Castillo, do you have something to write with? Good. I'd like you to meet me at my attorney's office tomorrow to serve me. Her name is ________ ___________,

and I'll spell it for you. That's __ __ __ __ * ...are you writing this down...??

HIM: Um...well...let me transfer you to a claims agent who can explain the situation to you...

ME: You can't tell me the info...? Your voicemail sounded rather authoritative -- actually, Mr. Castillo, it sounded overtly threatening -- so I'm quite sure you can handle this yourself.

HIM: Well, don't you wanna know what the claim is about??

ME: No, I don't. From your tone, I am clearly in a lot of trouble. You haven't mentioned that this was an attempt to collect a debt, either, so I assume you're calling about criminal

charges. My attorney will take it from here, but I'll meet you there tomorrow. Take down this address... (he fumbles through paper...) She's a federal and state felony defense

attorney, and her office is the entire 24th floor of 987 Main St., Hou...are you getting this on paper, Mr. Castillo...?? (he repeats the address so far...) Good. And I'll see you there

at 1pm. Please don't be late, because she play tennis with District Attorney D@v0n And3rs0n at 3pm.

HIM: Well, let me get you over to a claims agent to discuss this first...

ME: NO. I've told you where to find me. Your voicemail said you needed to verify an address for processing & serving a "claim" tomorrow. And ALL further communication

WILL go through my attorney. DO NOT EVER call this CELLULAR NUMBER AGAIN. Do you understand me, Mr. Castillo?

HIM: (He places me on hold to shut me up; muzak commences; I promptly hang up.)

 

Now I'll be a MONKEY'S UNCLE if he didn't call me back in 90 seconds...called THREE times (those were calls #5, 6 & 7 inside of 90 minutes!) trying to force me to pick up...and then left a ridiculously aggressive message and said his next call would be to my "references" if I didn't call him back immediately.

 

Now I have to confess that, for those 90 seconds between hanging up on him after he was squirming and stammering and confused as H3LL...I felt sorry for the putz. I know his buddies were sitting next to him in that rinkydink cubefarm ...laughing their butts off at him. :cry2:

 

But when he lost his mind -- conceded to his assaulted pride -- and CALLED ME BACK..........?!?!??! Meh. I got over it. :dntknw:

 

Interesting tidbit: I've filed CFPB complaints against companies whose addresses I didn't know in the past, and they fell flat because the company isn't "registered" with the CFPB.

This one actually pre-populated when I filled in the "company" field -- but the CFPB doesn't have their address, either, it would appear. Looks like someone is already

watching these nimrods. :clapping:

 

SEVEN calls & 2 voicemails in 90 minutes...? :swoon:

Harass much...?! :rofl:

 

ETA -- Post #1000 for me!! Yaaaay!

 

 

In case I forget.... Pls remind me not to ever mess with you .... hehehehe

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I know. I wonder if they teach them classes on how to get a rise out of people or it's just human nature.

I have worked in collections for years in the RTO industry in all levels and it's funny the folks that had their lives together seemed to be more polite and understanding and therefore better collectors. On the other hand the folks that were irresponsible with their lives seemed to take it out on the customers.

It was not the same as the collectors we deal with here, but principals are similar.

Houston- sorry for the hijack!

Gdale- I was just trying to illustrate a point. I don't want any newbies to get the wrong idea. Thanks

 

No worries at all -- those are some keen observations about humans, my friend. ;)

 

Yeah, I would NOT want anyone to follow my example if they don't know exactly what they're dealing with.

I should have added the following obligatory disclaimer:

Don't try this at home! *Professional stunt driver on a closed course.* :wave:

 

If there were ONE chance in a GOOGLE that these people actually had a legitimate claim against me, I'd never have called them back.

And by legitimate claim, I mean ANY debt, whether time-barred or not.

These peeps are complete fraudsters. In fact, one of the top Google hits I found using a quoted search of their name was this:

http://www.ftc.gov/news-events/press-releases/2013/08/ftcs-request-court-orders-halt-debt-collectors-illegal-practices

 

I'm not certain these are the same people, but I'm wondering if these bottom feeders are using the same or a very similar name as a smokescreen -- like a copycat killer. :dntknw:

And the CFPB sure had them on the books, but I thought it odd that their address isn't listed with their name in my complaint.

When I file one against EQ, for instance, I can choose EQ among a list, and it doesn't ask for their address...but my complaint HAS their address when I look at the finished product.

This company popped up right away when I typed their name -- no address requested. But there's no address for them on my complaint.

And the CFPB already "forwarded" my complaint to them for review. Hmmm...

 

Haha...I read my OP again, and I was off on the math. I was so amped on adrenaline! I double-counted call #5...EIGHT calls in 90 minutes. :swoon:

You've got all the ammo you need for a lawsuit. Is there a reason you're not filing?

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have never gotten one of these calls. Great reaction... do you think that some people pay this chocolate? I guess some people have lost track.. I know that I have been near that place but not with payday loans...

Sadly, a LOT of people pay them. Otherwise, they'd be outta business already. And they wouldn't be mushrooming like they seem to be doing. :(

 

My new friend hasn't called today, and I didn't get served.

 

Do you think I hurt his feelings by not taking the "ONE FINAL OPPORTUNITY" he gave me to call him...? :(

It's so hard to get good service these days. They promise and don't deliver. What's the world coming to? :cry2:

I know, right?! I've made it as easy for them as possible -- they keep tellin' me they wanna serve me at "my residence or my place of employment"...I work AT home!

 

you should file a complaint with the FTC on CA calls too.

 

the FTC is the one who's been going after the scammers, every little bit helps.

I filed with them first. :) The only disappointment was that the FTC complaint doesn't allow any attachments, and I have the voicemails in a .wav file. So I filed with the CFPB, too, and attached the voicemails. :wave:

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There should be a rule/law which makes the OC responsible for these CA tactics. That would solve a lot of problems.

That's the problem -- there ISN'T an OC. This is all fiction. :dntknw:

 

In case I forget.... Pls remind me not to ever mess with you .... hehehehe

Haha...don't worry...if you ever "forget" in a way that looks like this guy did, you'll be promptly "reminded"...! :grin:

 

You've got all the ammo you need for a lawsuit. Is there a reason you're not filing?

I'm really never certain of who these jokers are when they start calling. It hasn't been the same entity along the way. I don't know if they pass my info around or if they all just bought it from the same source, but most of these peeps don't even exist on paper. They usually use Google Voice numbers that change weekly, they give fake company names, etc. They're very slippery. This one MAY be identifiable by the CFPB, based on what happened to my complaint (see earlier posts.) But I'm not sure I, personally, have enough info to go after them. :dntknw:

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have never gotten one of these calls. Great reaction... do you think that some people pay this chocolate? I guess some people have lost track.. I know that I have been near that place but not with payday loans...

Sadly, a LOT of people pay them. Otherwise, they'd be outta business already. And they wouldn't be mushrooming like they seem to be doing. :(

 

My new friend hasn't called today, and I didn't get served.

 

Do you think I hurt his feelings by not taking the "ONE FINAL OPPORTUNITY" he gave me to call him...? :(

It's so hard to get good service these days. They promise and don't deliver. What's the world coming to? :cry2:

I know, right?! I've made it as easy for them as possible -- they keep tellin' me they wanna serve me at "my residence or my place of employment"...I work AT home!

 

you should file a complaint with the FTC on CA calls too.

 

the FTC is the one who's been going after the scammers, every little bit helps.

I filed with them first. :) The only disappointment was that the FTC complaint doesn't allow any attachments, and I have the voicemails in a .wav file. So I filed with the CFPB, too, and attached the voicemails. :wave:

 

:clapping::clapping::clapping::good:

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Well well well...lookie here. I DO have confirmation of these salamanders' identity -- but I still don't have an address!

 

Will the CFPB give it to me, if I want to file suit...?!

 

IdiotResponse_zpsbac62d18.png

Edited by HoustonLynne

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