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Getting a call from a debt collector can be stressful. But it can be downright frightening when the caller uses lies, profanity and threats to try to get you to pay. In a case announced today, the FTC says a debt collection operation in Charlotte, NC pretended to be lawyers. Really, they were not lawyers and had no authority to collect debts.

The FTC says the “collectors” used a variety of names to make people think they were dealing with a law firm. The imposters told people they were delinquent on a payday loan or other debt and threatened them with arrest, jail time, or getting sued unless they paid by credit or debit card over the phone.

Sometimes, the callers had personal information, like Social Security and bank account numbers, or relatives’ names. The callers used this information to convince people that the calls were legitimate.

In truth, the FTC says, the defendants pressured people into paying debts they never owed.

You can’t be arrested for not paying your bills. If a debt collector calls about a debt – and before you agree to pay anything – ask for a written proof that says how much money you owe and to who, and what to do if you don’t think you owe the money. By law, debt collectors have to send you a written document, called a validation notice, within five days after they first contact you. If they don’t, that’s a warning sign that they may not be legitimate.

Debt collection complaints account for nearly one-third of consumer complaints to the FTC. If you, or someone you know, has gotten a suspicious debt collection call, report it to the FTC at With your help, we’re finding the bad guys and putting them out of business.


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The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Your thoughts, ideas, and concerns are welcome, and we encourage comments. But keep in mind, this is a moderated blog. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. We expect commenters to treat each other and the blog writers with respect.

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FTC Staff
February 22, 2018

In reply to by me

 If a debt collector calls about a debt, ask for a written proof that says how much money you owe and to who, and what to do if you don’t think you owe the money.

By law, debt collectors have to send you a written document, called a validation notice, within five days after they first contact you. If they don’t, that’s a warning sign that they may not be legitimate.

February 12, 2018
I have a collections company that now has my debt from breaking my lease about 2 years ago. The collections agency claims that they no longer have my account and it has been turned over to a "law office" (It is still reporting that the collections company has my account on my credit report and I have attempted to dispute this with no success) The law office has sent me a settlement offer in the mail. Should I pay this "law office"? I am afraid that it may all be a scam but I want to settle it to get it off of my credit report.
FTC Staff
February 22, 2018

In reply to by HELP PLEASE

You have rights when you deal with a debt collector. Read about what to do when you deal with debt collectors.

If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit. To preserve your legal rights, respond by the date state on the court papers yourself, or have your lawyer respond.  If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect.

February 16, 2018
My mom was contacted by a man named Richard Worthington who told her that my wages were going to be garnished. I called Richard and was informed by him that I owed over $2000 for a loan with Lazer Lending from 2012. I told him that I didn't take out a loan with Lazer Lending in 2012 but I did take out a loan with Ace Cash Express in 2014 and hung up on him. He called back threatening to have my license suspended as a result of me hanging up on him. As I believed I was being sued by Ace Cash Express, I set up payment arrangements after settling for $1400. However, I contacted Ace Cash Express and was told by the representative that her company has nothing to do with Lazer Lending nor would her company sue for more than the amount of loan (in my case, it was $500 plus $77 in interest) and was told it sounded like a scam. My bank issued me a new debit card number after filing a report with them. Today, I received a voicemail from Richard Worthington who stated that he was going to the magistrate's office(didn't specify which one) to file charges of fraud against me because my debit card declined due to fraud. He had my old debit card number file and tried to claim fraud on my end after my old debit card number didn't go through for him to collect the remaining $400. He was very disrespectful during every phone call and I have filed a police report, a complaint with the FL State's Attorney General office and a report with the FTC.
FTC Staff
February 20, 2018

In reply to by Dominique

Thank you for reporting to the FTC. The information you report at goes into a database that law enforcement uses for investigations nationwide.

April 20, 2018

In reply to by Dominique

I saw your ad. I received a call yesterday from Richard worthington. He stated he was from RRG and associates. I had a pending pay day loan from 2012 and look for payment for 2742, But was willing to settle for 200. I hung up with him and I blocked his call...But he called back some other phone number. He stated he was trying to work this out with me but he will have them move forward legally. He was going I contact my job, which gave my job businesses name and said it’s your decisio. I’m so freaked out about that it. What do u think I should do? I looked number and business and there is nothing.
FTC Staff
April 20, 2018

In reply to by Guy1343

The law says every debt collector has to send you a written validation notice. The notice must tell you the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.

If the person that called you won't send you all of this information, do not pay! He might be a fake debt collector. If you pay a fake debt collector, it doesn't always make them go away. They might keep calling to get more money. 

If you know you really have a debt, call the company you owe.

February 28, 2018
Have reported these guys repeatedly to AG and FTC but they are STILL calling both my cell phone (their calls are now being "killed" by my RoboKiller app) and a old work number I haven't had in 10 years. My town is small so the poor person who now has that number is telling me they are getting the same voice mail message. Basically it states: "This message is intended for (my name). I received an order in my office today to complete an order for several pending matters that you are currently being investigated for. I will be verifying your current address and place of employment today. In the meantime, it is your responsibility and legal right to contact the claimant prior to being served. Their number is 219-318-1200. Failure to comply will result in forfeiture of your right to dispute this matter and a complaint will be filed against you in your local jurisdiction. (set of numbers). Failure to comply will result in forfeiture of your right to dispute this matter and a complaint will be filed against you in your local county. This is your official notification." Of note, the number of the claimant is the same as the number that called me. Half of the message was read by a real person while the rest (my name, the phone number etc.) were from a robot. The internet is FULL of similar complaints about this number. It's apparently the new reiteration of some scammers that were already shut down. Would appreciate the FTC shutting down this version as well. I don't mind them calling me - I just ignore them - but I DO MIND them harassing and leaving threatening messages on phone numbers that are not mine.
May 08, 2018

In reply to by 219-318-1200

Exact same phone speech to me from 201-354-6105. Internet search reveals no address, no web site, no name, one other person reports company name of Allocation Adjustment of New Jersey. Will ignore until they can verify in writing. Got enough current legit bills!
May 08, 2018

In reply to by 219-318-1200

Exact same phone speech to me from 201-354-6105. Internet search reveals no address, no web site, no name, one other person reports company name of Allocation Adjustment of New Jersey. Will ignore until they can verify in writing. Got enough current legit bills!
March 01, 2018
THANK YOU FOR THIS. I stupidly paid a loan to a scammer from consumer recovery services in november and now I'm getting calls from someone else telling me i owe way more. I called the place where i took out the loan originally and I'm in good standing with them... this article and these comments have really put my mind at ease.
March 08, 2018
Capital Couriers called me today. (Someone I met years ago has used my contact information, so they weren't even looking for me.) The recording stated that if I didn't hold for one of their agents, they would be going to court today to inform the court I had waived counsel. I held for the agent and, when one came on, asked him where he went to law school, and why was he making claims that were flat out illegal. They have no right to be informing any court of any "attorney waiver," nor had they even served me with anything. He hung up.
March 09, 2018
I am getting calls claiming they from Capital Assurance Meadiation and that they have tried numerous time to contact me about a serious matter. I only have 2 calls and voicemails from them and they callex my sister once but when I google them it says scam likely can you help?
FTC Staff
March 09, 2018

In reply to by kala8479

If you think the calls are from a fake debt collector, ask the person for his name, company name, address and telephone number. 

Tell him you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act. Read the FTC article about Fake Debt Collectors for more information.

J sharp
August 02, 2020

In reply to by kala8479

Same thing is still happening with a fake company called brockman and associates saying their out of Southern California but refused to send me proof instead adamantly saying the lawyers don’t need to prove themselves to me and instead will continue with prosecution/law suit phone number was 888-500-2379 hope I can save others from this terrible person
August 19, 2020

In reply to by J sharp

I just received a similar phone call out of California as well. The claimed to be calling from the Rosenberg group, which is supposedly a law firm. When I asked them to please send me verification of the debt, ie the original owner of the debt and the amount, she told me they are not a debt collection agency, they don’t have to do that. I told her I am within my right to ask for this info before proceeding, then she told me that then they will be mailing me a court summons and hung up. By the way when I asked if she was an attorney she was taken back, told me she was just a case manager/paralegal
March 10, 2018
Received a call yesterday from a local number claiming to have received a case to be filed against me, that I needed to call an 833 number regarding or they would show up Tuesday at my address between 3-5 or my place of employment. I don’t fall for this crap, but unfortunately my parents do and answered the phone for this person 3 times yesterday. I keep telling them to ignore unknown calls and not engage the people but they keep doing it because they honestly believe this person is legit.
Barbara from t…
October 18, 2018

In reply to by BekahB77

I received a phone call on my cell phone from a Valorie Scottom saying she is from a legal server and that I need to call within 24 hours or the legal documents will be sent to my employer. They called my boss and asked him about our legal serving policy. He did not know what to say. He gave me the phone number which they wanted me to call Aaron Silver Law Firm at a 619 number. Its a scam. I have to tell my boss its a scam to not worry. I also have suspension that Check n go has been selling applicants names and employer names and numbers. I never got a loan from Check n go, but when I have applied in the past, I get these weird phone calls. They have access to the application which has my name, social security number, employer, and their phone number I really think these kinds of scams have something to do with the online loan agencies like Check n go, or local stores. I wish someone like FTC will look into Check n go. They are the only ones that I have encountered without a loan. They have my application, and I think they are selling applications even if you never got the loan.
FTC Staff
October 23, 2018

In reply to by Barbara from t…

You can report that to the FTC at The information you give us goes into a secure database that the FTC and other law enforcement agencies use for investigations.

February 15, 2019

In reply to by Barbara from t…

Barbara I have received two phone calls last month in January 2019 from a company known as Arnold and Associates/Offices of Aaron Silver at 619-268-1083 stating that legal documents were being sent to me and my place of employment and that my filing status and payroll information will be affected. Also said that papers were to be delivered to either my home or job, blah blah blah blah!!! I told them aggressively not to contact me anymore and if I do owe something send it to me in writing!!! Also told them that their messages were being recorded and will notify the Henderson PD since I live in Nevada and they'll notify the San Diego County Sheriff's Department. I told them that I will also file a complaint with the CFPB, the FTC, and the Attorney General office for the state of Nevada against them as well. Btw the statute of limitations in Nevada for any credit cards or loans is 4 years so if I do owe anything they're considered time-barred debts which means debt collection agencies can't sue you if the statute of limitations has passed the 4 year mark. Dumb ass scammers!!!
Don't use your
April 16, 2020

In reply to by BekahB77

I received a call from an unknown number referencing my vehicle and stated that I should’ve received a letter 2 weeks ago and someone was coming to my house with paperwork for me to sign. I told them I wasn’t signing anything. I was then told to call 1-833-628-0022 and the lady stated she was from Gibbs and Callahan and stated I owed money from Regions Bank for a EZ payday loan. I don’t recall getting a loan from them. I never received a letter and then she said she has the address of my bankruptcy lawyer and she would send them one. You can send them a letter, but not me????
June 16, 2021

In reply to by BekahB77

I have been receiving a call first from a David now from Gina at an 833 number saying I am having a judgement against me in court and will be served papers if I do not respond and pay x amount. They said they called my employer, which I confirmed with my employer that they did. They also called my dad. However I fell for this before and paid it. Although I talked to my lawyer and she said it sounds like a scam it still worries me! I hate the fear of legal action.
me n co
March 20, 2018
SO i am trying to figure out if this is a scam from a debt collector or what. I used to be a debt collector for all of 3 months. I had to quit because i just couldn't be the kind of person that was rude and mean and verbally abusive. Anyways this is the message that was left on my ex husbands voice mail. " This is investigator Johnson in regards to a complaint against jane doe (not real name used) after a thorough review of the investigation of the affidavit, i do find that the documents forwared to my office do indeed support the the order for jane doe to appear in court for alleged check fraud. I would like to talk to Jane directly before signing off on the paper work and be reached at 844-689-9957. So this is a toll free number so Jane should have no difficulty returning the call within the next 24 hours. Pre-trial docket number to reference the call ######. Be advise failure to responded leaves me no choice but authorize the execution of any and all paperwork referencing your appearance to xxxx county. Serviced is due to be executed not only at your residence but place of employment. Jane Doe you've been notified" This was the exact message. Now the things that don't add up for me is. If this is legit. Then they would have ran a skip trace and seen that the number that I called does show up at a lane line in Colorado that I no longer live at. This alleged check thing would have been from a payday loan that had fallen through the cracks when i had some family health issues and death happen. Which I thought I have taken care of. The reason I mention this is because again if they did the skip trace that all happened in Colorado. I now travel all over, bounce from state to state because my new husband's job. The county that they listed is in Ohio. So this just tells me that they have pulled a skip trace on me and know that my currently mailing address is in Ohio. Yet my permanent residence is now in Arkansas. What I have noticed is that they don't mention a business or if it is a government office. Also the voice mail that it was left on didn't not mention my name on the greeting so they couldn't have heard it at all. I have googled the number and have only found a couple of few vague comments. I don't want to call them back at this moment because i don't want them to start calling my number if it is a scam. or do i need to file a complaint with someone because of the tactics that they used.
April 20, 2018

I'm currently paying a law firm to help negotiate my debt that was messed up by a another scam debt company. They sent me a lot of paperwork to verify them with the BBB. I haven't seen anything bad. I decided to sign up. No threats, no pressure, nothing negative. How do I find out this is a legitimate law firm working for me. Please let me know I've been scammed before and I don't want to lose more money.

FTC Staff
April 20, 2018

In reply to by bojo333

You could contact the Bar Association in your state. They will have information about lawyers in your state.

March 28, 2018
Also a relative of mine received a call from a so-called collection agency stating there are pending charges and papers will be sent to my home address. What is this about? Call originated from OK-918-505-4178. Please stop this!
March 29, 2018
I got a call from Russell Davis from the mediation dept from Capital Reassurance at 770217375, but they called me earlier in the week from a 724 area code. He stated that they could send wage verification to my job for wage garnishment. I have received nothing in the mail or anything on paper stating any of this info. Also he said that this comes from a payday loan from 2011-2014. How id this possible. Is this a scam?
Fake Law firms
March 29, 2018
A call from 307-248-4818 called stating from RGG Consulting...I did call back the number they gave 305-735-6710, only because I wanted to see what they were asking about. They gave me some pay day loan that I still owe, which isn't valid as I have never taken a payday loan..they verified my SS#, and told me what bank account it was for...told me it was from 3 years ago, i asked the last 4 digits of the bank account, which when they gave me, was from a bank from over 10 years ago, but they said it was only 3 years ago; I asked why I have received any paperwork, they said it was sent, gave me address, which again is 10 years old. I told them that the information they are giving me is over 10 years ago, they changed their tune. got aggressive and told i was going to be arrested...i asked for name and company again..he gave it to me. It then told him i live in texas which is a One Party state for recording conversations, and I was recording the conversation and would be sending to the proper authorities. he then hung up. case and point, no actual legal matter will be handled over the phone, and yes in Texas you have the right to record the conversation without letting the other person know, as its a One Party state, which means, I am the one party that needs to know.
April 04, 2018
So I had a similar story today. Received a call from an "unknown" caller stating that they were contacting me in reference to a legal complaint and that I needed to call the agent handling this matter at 866-274-5813 with a specific reference number. They specified that it was time sensitive and to contact the case manager immediately to avoid further action being taken. I automatically assumed this was a scam based on the no-named caller, but called to see what it was out of curiosity. A receptionist answered the line and put me in contact with Mark Schultz who works for Bloomberg, Migoney, Meyers, and Associates out of San Diego. Apparently, they are a collection agency, though at first he said he was a law firm, handling a debt from Wells Fargo. I asked what the debt was and from when, and he replied that it was for an overdrawn checking account that I had that was sold to the collection agency in September of 2008. I did, in fact, have a checking account with Wells Fargo when I was in high school many years ago, but I do remember closing it before I moved into my first apartment (I think well before that) because my university did not have a Wells Fargo in town; however, I legitimately do not remember closing it with any kind of delinquency. Allegedly, the debt was passed around to 3 different creditors and I was sent a written notice about the debt 45 days ago. He claimed it was sent to the address I lived at when I last had the debt, but it was an address I didn't live at until 2010. He went on attempting to legitimize himself by reading off the last 4 of my social security number and other accounts on my credit report. That's when I got freaked out--the man had my personal information. After he said he was willing to settle for a lesser amount ($600 verse the $1134) I asked him to send me an email regarding the validation of the debt, but he was unwilling to send it without an agreement of settlement, which I refused to say over the phone. He said that he was filing my account as failure to pay and that I should wait for civil action to take place. He even referenced my credit report, saying that I had nearly perfect credit and that him making these inquiries was "already hurting my credit" and that I should check my credit report if I didn't believe him. I smelled the scared tactics a mile away. I got off of the phone and immediately called Wells Fargo Fraud Department. They put me in contact with a couple of different debt collectors that validated that my Wells Fargo account was actually closed in 2005 with no notes of delinquency or being sold to a creditor. After that, I called a local law firm from my resident state and briefly discussed my story. In a nutshell, the information that was passed to me under several FDCPA 807 and 809 federal laws, was the false threats to bring civil action to me after the expiration of the state's statute of limitations (which in my state is 6 years..) is illegal. Also, that they are required to send a dunning/validation notice in writing to me within 5 days of contact. So first a foremost, when Mark refused to send me any validation of the debt before agreeing to a settlement price was a red flag. Also, when he said that I should expect to be served if I do not accept the settlement for a debt that is nearly 10 years old (but actually on an account that was closed 13 years ago...) also a red flag. Lastly, when he threatened to ruin my credit if I didn't settle in a timely manner, also a red flag. I immediately pulled all three of my credit reports after that. The soft inquiries that I pulled from the bureaus came up, but nothing from his agency, as he proclaimed. I decided to call Mark back up once I had this gouge. I said I wanted a certified letter requesting validation of my debt and he said that he didn't have my case anymore. That it was out of his hands and I should expect to hear back if the agency decided to take legal action (which why would they spend court fees on such a minimal piece of debt?). I told him my address was wrong the first time, so how am I going to find that out? Again, he didn't have a clear answer. I threw the FDCPA laws at him and stated that I spoke to a lawyer and what he was saying about civil action was illegal. His response was that if the case was so far outside of the SOL that I could easily fight it in court, especially with my "lawyer." I then asked him which collectors owned my debt, and he stated Wells Fargo..instead of his agency. I asked for his agency's name and address and stated that Wells Fargo validated that I closed my account in 2005. At this point, he said all I needed to do was fax over the validation letter and he was sorry for causing all of the stress. The fax number is the same as yours above: 800-889-0390. Address: Bloomberg, Migoney, Meyers, and Associates 351 10th Ave, Suite 1000 San Diego, CA 92103 ...except, I just moved from San Diego after 4 years. That address is actually a 92101 address. So that is a fraud as well. The dude is a smooth talker.. I will give him credit for that. No doubts he could have been a creditor. However, this whole situation is fishy. I am reporting it in as many places as I can.
trying to work
April 09, 2018
I got 4 calls from (219)318-1200 today alone. All of the calls are telling me that there is pending legal action for "several" claims against me. I have the right to contact the "claimant" from the same number from which this company called: "This message is intended for (my name). I received an order in my office today to complete an order for several pending matters that you are currently being investigated for. I will be verifying your current address and place of employment today. In the meantime, it is your responsibility and legal right to contact the claimant prior to being served. Their number is 219-318-1200. Failure to comply will result in forfeiture of your right to dispute this matter and a complaint will be filed against you in your local jurisdiction. (set of numbers). Failure to comply will result in forfeiture of your right to dispute this matter and a complaint will be filed against you in your local county. This is your official notification." Of note, the number of the claimant is the same as the number that called me. Half of the message was read by a real person while the rest (my name, the phone number etc.) were from a robot. Although I block the numbers, they keep popping up from different places.
April 22, 2018
Scammers are dumb, i swear. I got the call first from some lady that said if i knew this individual ( it was my bf) because i was put as a reference. Then when i said no, she still went ahead and asked if i would like to send the message for him. Lol! I went about with it and got the number and she gave me a reference number. She told me it’s going to be a final notification and that he is summoned to court. I asked what law firm. So after i hanged up, i looked up the law firm, NO SUCH THING! Doesn’t even exist! So then, my bf got the same call and and they asked if he knew this person (himself) and my bf said no. But the lady asked if he still lived on that address she provided and then my bf hanged up. So, few hours later she goes and texted me & my bf. Telling us that it is final notification and she will serve us because they know our address AFTER the fact that we said we didn’t know who it was. Lol! Then now, i got home and they called my mom asking for him again but my mom said no & hanged up. Lol! They never gonna stop!!
May 07, 2018
8 phones calls. i block each one and they call from Miami Beach with different number. telling me I'm going to jail. they say there are Attorneys. I am an Attorney so I know if a scam.
May 07, 2018
Same story. Except an actual creditor pulled my report in 2016. Before breach. And there was no debt. So maybe that company, dynamic recovery solutions is linked. They claimed to have owned debt. Never had debt though. And scammers some how got THEIR info. on fake debt. Scammers are Brandt Group Inc out of LA. Also used name MSM Assets. Who supposedly sold debt to Brandt. But DRS says THEY own it. Too bad fake, or real for that matter, debt can't be tracked.
August 13, 2019

In reply to by Denise

I had the same experience. I called yesterday and they said skyline and Associates. Today they said skyline capital and Associates. Changes with every call. Now their voicemail is saying skyline capital. Pieces of crap people
December 06, 2019

In reply to by Californiascamvictim

I got a call just now from "unknown" number. I never usually answer but this time I did. They asked for me by name claiming they were a server for skyline and associates. They said they had to serve me a Cetified letter for thier clients. Then I said I have never heard of anyone calling to say they were going to serve legal papers before. Then I asked "and what address will you be serving these papers to"? Then the guy hung up on me. I knew something was off. If you engage these scam artists they will keep coming. As soon as you start questioning them they back off. Don't be a victim.
Your email address
May 10, 2018
I live in Omaha, Ne but my phone number is from Oklahoma City. I can usually tell scammers and telemarketers bc they use the area code of the phone they are calling so if I get any 405 area code calls it's a scam or sales. One called me today from "Schmidt and Associates" saying that I need to be home tomorrow between 10-2 to "receive legal documents". I called them back three times. One time they said they were from Smith and Associates, second they were from Schmidt and Associates and the third time they hung up on me. So not be bullied.
May 13, 2018
I received a message left on my cell phone on May 11,2018 from a Company that call themselves Capital Reassurance. You can find the message that was left below; This message is solely intended for (mention my name}. Our mediation Department at Capital Reasurance has received a pending complaint naming you as the respondent. It is imperative that you contact our mediation Department to provide a statement at 931-225-1030 Reference file number xxxxxxx.
June 07, 2018
I got a call from a company called capital reassurance and told me I owe on an old pay day loan but could not tell me which company just said that they work with many pay day loan company's but threatened that they would sue. Does this seem legit?
FTC Staff
June 07, 2018

In reply to by aar2018

If a debt collector calls about a debt, before you agree to pay anything, ask for a written proof that states how you owe, who you owe money to,  and what to do if you don’t think you owe the money.

By law, debt collectors have to send you a written document, called a validation notice, within five days after they first contact you. If they don’t, that’s a warning sign that they may not be legitimate. Read more about warning signs of a fake debt collector.

June 22, 2018
Received a call yesterday from an unknown number. When I answered, they asked if I knew ______ and if I could have him call them at 866-295-7972, phone number for Mark Roberts and F&M Capital. She claimed they are a law firm but they are a collections agency. I called the number and spoke with a man working in the office of Mark Roberts. At first he was calm but as time went on he became more frustrated and threatening. He claimed that notices had been sent to my friend several times at a certain address (friend hasn't lived there in years). I asked how they got my phone number, and they claimed to have run a background check on my friend and got my info that way. The only thing I can think of is they checked his facebook account and found me that way, as we are not legally bound in any way. The man claimed the phone number they have for my friend doesn't work. I find it hard to believe that they could get my correct info, yet can't get my friend's phone number or current address. They have also called his mom and ex-wife. They claim it is a military loan that he defaulted on, and they are looking to charge thousands in interest and want to claim he defrauded the government and he is in possession of stolen property (loan was used to pay for furniture apparently, I told them he doesn't have the furniture). I kept repeating to them that they needed to send him notice of all of this and that by law they need to validate the debt. He was insulting and said "this isn't some Discover credit card, this is a military loan and he is violating UCMJ" The man stated that they would be filing a case by the end of the day. Because I kept repeating that they need to mail him the information, the man said he was tired with arguing and I hung up the phone. I looked up F&M Capital and it appears they are Fenton & McGarvey and there are many complaints on them. They called my friend's mom about 2 months ago with the same claims about filing in court and it would be filed by the end of the day. The man I spoke to claimed it was new, and when I told him I knew they had called before, he said it wasn't new. I am not sure how my friend can get this taken care of. They seem reluctant to mail anything.
July 20, 2018

In reply to by juh767

I received so many texts and calls from family and friends about a supposed account I had with a company that is seeking to file a formal complaint in a county I haven't lived at in years. This exact number, a different person, but same company. All in regards to some furniture, stolen goods and fraudulent services rendered. They are trying to fish information about me for identity theft. They haven't contacted me directly by phone, email, or by mail, and when I confronted them, they attempted to keep stating that I will be charged and blah blah blah. It's all bogus.
September 06, 2018

In reply to by juh767

I had a call from Mark Roberts at F&M today. They have a robocall that calls all day. He said it's from a bed I supposedly didn't finish paying off 10 years ago! He said I was being sued for theft of goods/property. I didn't know until today, they've been calling my mom with the same robocalls for months now. He told me I had a sarcastic attitude.
susie homemaker
June 28, 2018
Trying to find out if Carter & Assoc. is a legit law office in TX. I'm in SC. "David Hampton" has called me numerous times about an old bank account that supposedly was overdrawn 10 years ago, and now I owe a bunch of money to clear it. The bank merged 11 years ago with that bank & my bank says they have no record of this overdrawn account or a charged off account.
Leigh J.
June 29, 2018
I received a call from Capital Reassurance regarding a payday loan that was owed. I asked the gentleman to please provide me with something in the mail so that I could verify this was true. He stated that something was mailed to an address where I have not lived in over 5 years and that it was my problem because I didn't update my information, so it needed to be handled now and that they cant mail anything. He immediately got really nasty and threatened with the courts. He transferred me to someone to set up a payment arrangement and I did. I gave them my card information and they were going to take 100, 150 then another 150 later in July (which was dumb on my part). The email that they sent to me did not seem legit. After Googling all company names used (Capital Reassurance, Web loan, Garret & Associates) nothing was adding up. Everything that was popping up was scam alert or nothing was coming up at all and not to mention the address that was on the email was a medical office in Florida. After not feeling good about the situation I called my bank and immediately had them deactivate my card and send me a new one.
July 08, 2018
I have gotten calls from 3 different states about bogus debts of my deceased husband. Also, they are harassing other members of my family.
August 19, 2018
Keep getting calls from 410 306 5975 Over a time barred debit. Limitations here is 6 years it’s been nearly 9. I have told them this. They refuse to give a fax number or an address. Had a lawyer call them same thing refused to provide and address . Every 2 weeks the number changes. I have contacted bbb fct fcc Clark Howard in Atlanta for advice and no one cares . These people keel leaving voice mails regarding a faxed in complaint and that I need to be served at work or home. They call my relatives and leave this message as well.
August 20, 2018
This company has been harassing me for a while now. The name of the supposedly company is Capitol Reassurance.. I have been scammed before by people from over seas like India and it was stressful. Ever since that happened to me I started to look up numbers on google and have seen that other people have dealt with the same thing about getting harassing calls from the number.. The number that has been calling me is a ‭1 (334) 557-1883‬. Again when I looked up this number on google I have seen people report it on 1800 notes. I looked up the company by name and I have not seen anything with that companies name or anything.. so have just seen is Capitol LLC I guess a fake personation of a law firm and thats it.. What I did do was registered the number on the national do not call list and wrote on comment on this “company” calling me everyday and leaving me voicemails saying my name with a automated voice and then a regular person says that I am the respondent of a claim or I have a pending compliant against me.. I even blocked this number from calling me on my iPhone but they still have a way of still contacting me from another number and it’s really getting annoying!..
August 31, 2018
Very similar to va8790's story. I received a call from a Restricted number who gave me a number (888-383-0821) and reference number. I called and gave them my reference number and was connected to the "Legal Department" of Bloomberg, Migoney, Meyers, and Associates, which from what I could tell after searching the web is that these guys don't even exist (anymore or ever, idk). I spoke to a guy named Mark Schultz as well but told him I refused to pay anything to him because I had already taken care of matter (Overdrafted Wachovia account from 9 years ago). He did have the last 4 of my social and the address I lived in 9 years ago when I opened that account. While I was on the phone I had pulled up my receipt from the real law firm that I had closed the account with over a year ago. He told me to fax him at 800-889-0390 the receipt and he would close my account. I got off the phone with him and called the real law firm I had closed the account with and they told me that I wasn't the first one to call them and report this as they had other reports of Wachovia accounts being called in a similar fashion. They assured that case and account was closed and not to respond to Mark Schultz. The law firm is going to reach out to Wachovia and inform them that people are trying to collect on their old accounts. Hope this helps. Again, very close to va8790's story. Don't fall for it, Mark sounds legit, but don't do anything unless you get official documentation.
October 15, 2018
I’m getting a robo call from a 518-504-7513 something about charges on my name if finally had enough and some lady with a foreign name answered the phone ( hello) I asked who I was speaking with and said I would like to know who putting charges on my name I never got a response but I could here a mans voice in the background speaking in similar foreign tounge bet never got a response I’m thinking it’s a scam and may have put myself at risk for scamming not sure what to do
E Leah
November 20, 2018
Received a call from an unknown number, stating they tried to mail me documents which were returned undelivered. I just had a baby so I thought maybe it’s her birth certificate.. So I asked what address it was, woman recited my address with one digit off. She provided a phone number & case number for me to reach the people mailing the documents. ‭(888) 585-6356‬ So I call and I get connected with a woman named Angel. She recited my name, last four of my SS# and other information. She stated that I have an outstanding debt through Wells Fargo and I would be sued for over $3500 if I could not agree to make a payment of $357, or three monthly payments of $219. I asked her what address she had on file for me and she gave me my current address, correctly. Thought that was funny. I had her email me the document and no surprise, it’s bull. They send an agreement letter “via DocuSign” which isn’t even legit, won’t open up in my DocuSign app. The letter is signed by a Michael Rothwell. From R & R Group out of 1055 West 7th Street in Los Angeles, CA. There’s a fax number listed as (213) 418-2835. I hope no one falls victim to this scam.