Who Called Us

Hello,


We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks,contact us today via emailajbycroft13@gmail.com for the bible says""Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened"so do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People.


You are advise to fill and return the details below..


Your Name:______________________
Your Address:____________________
Your Country:____________________
Your Occupation:__________________
Loan Amount Needed:______________
Loan Duration:____________________
Monthly Income:__________________
Cell phone Number:________________
Have you applied for a loan before: ________________
If you have applied for a loan before, where you treated honestly? where are the company located?...


Act fast and get out of financial stress, mess and hardship by contacting Annette Loan Corporation Today via Email at: ajbycroft13@gmail.com .You shall be treated with the best of our resources until you get this funds transferred into your account, and your quick and fast respond determines how fast you shall be receiving your loan. Without any delay Apply for your best and easy Loan here with us. Please email to Us on Via


email: ajbycroft13@gmail.com
Best Regards
Mrs Annette

*relative

It doesn't surprise me they are using a bogus number after everything I have heard and read about them. They are calling and leaving messages for a deceased releative to call them back. Phat chance of that happening!

Sally, the DNC registry is for telemarketers, meaning sales, meaning all debt collectors are exempt. This fact was not kept secret from you when you registered your numbers.

I can hardly believe CI is still using this obviously bogus phone number. If Creditors Interchange or any other agency thinks you owe something, be sure to respond on real paper to its federally required dunning letter with a dispute and validation request, adding that you either restrict or revoke consent to call again. Given the industry's documented need to break laws to get at your assets, you should dispute even if you agree slightly with its claim.

If the account is not legally collectable, or it's simply not you they want, you're free to send a full cease-comm, cutting off all contact. Send all notices via USPS Certified with return card. The FTC and many consumer watchdogs explain how to draft them. Pay close attention to all communication and document it well. If those contacts yield legal violations, you may collect from *them* through a judge or arbitrator.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov.
ftc.gov

This number has called 3 times today. I let the answering machine pick up but they never say anything. I'm not going to answer any number that I do not know. We do not have any outstanding bills and do not owe anyone.
We are on the DNC list, but it doesn't do any good.

NEVER agree to ANY type of payment with ANY creditor verbally. ONLY in writing. And FYI for those who are being told these leeches will start calling everyone and anyone, let them know you are recording/documenting call and they are breaking the law. IF they called you, than they HAVE a working number for you. IF they call anyone else (family,neighbors, etc) contact your state AG and file a complaint. They are violating a FED law. IF anyone called your family member and left a message for you to call them, they CANNOT call them again. Advise your family to tell them they do NOT have permission to call them and they are filing a complaint. As for the loser who is spewing: either he/she is a reject looking to spew to cause issues OR is a collector and if so, I'd LOVE to know which company. BE ADVISED: all bill collectors MUST SHOW COMPANY NAME AND PHONE NUMBER on ANY caller ID unit. IF they are blocking it, take a photo (cell phone, etc) and send that to the AG as well - reference your complaint number within the email and let them know IN the online complaint that you are sending in a photo of them blocking their ID - its against the law. Any one leaves a message saying ANYTHING but this is for so and so and a personal matter, please call # - they are breaking the law.

DK You need to grow up You have not right to judge people Most people have legitimate reasons why they cant pay like losing their jobs, getting sick or hurt or like in my case their husband died!! Sometimes the debt was created as fraud!

You Know DK....you have NO understanding of what the "Real World" is all about. Maybe YOU should grow up and go out into the real world. Open your eyes. At the time when people creat their debt - they had jobs - they planned on paying. Situations have changed. People right now struggle to keep a roof over their heads, warm clothes on their children, food on the table and Heat & Electric in the homes. Those are priorities...the rest will get taken care of when they can.
HINT TO EVERYONE
By the way to everyone - Pay these idiots a $1 a week and they can't touch you in court...you are showing that you are trying - no judge will touch that.

Received a call from "---Lewis" from Creditors Interchange saying that it was "very important" that we call him back because of an outstanding debt we had. We have no outstanding debts, and, if we did, we surely would have heard from the company who was owed the money before we heard from "Lewis". We never responded. This is definitely a fraud.

The judgment that debt collectors put on people who are struggling to pay. Why would you want to even cooperate with a debt collector as rude and harrassing as Creditors Interchange when they say things like "I have a job; I pay my bills. Why don't you get a job?" (Brent at Creditors Interchange). or "I've got plenty of numbers and I'll call everybody including your sister" (Ms. Ortiz) And then they left my social security number as a reference number. I'm contacting an attorney to go after these people.
This is pure harrassment. With unemployment in Sacramento at 13 to 15% some people just can't find work. It's not laziness -- it's pure numbers.

what i don't get from you debtor is that why would you owe money you cannot pay.
think about that.

responsibilities, and commitments are there when you sign the contract.
IF you say screw the debt, you will cry over it.

You might have hundred of reason why you needed the funds at the time.
Time comes, you whine.

GROW UP PEOPLE
DON'T MAKE COMMITMENT IN THE FIRST PLACE

Hotdogs

Just do what I have done. Get a whistle and after you have the lowlife on the phone then blow it in their ear. One time I spoke with a low tone and asked that they turn up the volume so they can hear me and than let them have it. I look at it like this. If they need to hide behind a number that you don’t know who it is then its war on them! Just buy stock in hearing aids.

THIS COMPANY LEFT MESSAGE TO RETURN THE CALL OR ELSE I'LL BE RECEIVING COURT HEARING LETTERS IN THE MAIL, I TRIED TO CALL THE COMPANY 7XS & AFTER I TRY TO GET INFORMATION FROM THEM THEY HANGUP. THIS IS VERY POOR BUSINESS. WE ARE ALL STRUGGLING RIGHT NOW. I KNOW THEY OWE PEOPLE TO. BUT THEY SHALL REAP WHAT THEY SOW. BECAUSE YOU CANTGET AWAY WITH HARASSING OTHER PEOPLE, DEMANDING MONEY FROM THEM, ALONG WITH THREATS, AND THINK YOU'RE GONNA GET AWAY WITH IT. I BELIEVE THIS BUSINESS WILL NOT LAST LONG, AND OUR DEBTS WILL BE PAID OFF IN JESUS NAME'. IF YOU BELIEVE IT, IT SHALL COME TO PASS. BECAUSE WHERE 2 OR 3 ARE GATHERED TOGETHER, GOD IS IN THE MIDST. HE SITS HIGH & HE LOOKS LOW. I WANT TO ENCOURAGE YOU ALL, TO KEE YOUR HEAD UP, BECAUSE THAT'S WHERE OUR HELP COME FROM. GOD BLESS. EXPECT A MIRACLE & YOU CAN MAKE MIRACLES HAPPEN. BE PATIENT. A MOVE OF GOD IS ON THE WAY. RECEIVE IT HOWEVER HE SEND IT!!

OK everyone,this company is a collection co, they will say anything to get you scared and worry you, if you are getting calls from these numbers you should go to radio shack and get a recorder, everytime that these people call record it ,write it down, if you are threatened in anyway call an attourny right away.a ceast and disist does work but most of the time these people will call using another company name and number , so record your conversations,keep them for the lawyers,. one more thing, yes we all have debts, but how many of us have lost our jobs! and cant afford it right now, our gov bails out the credit companys and banks and look what we the people have look forward too.

CI calling attempting to hide their number. Agent left message claiming she was calling in regards to an email she received. Could anyone be more vague?

500-000-0000 called and there was no one on the other line. I looked up the phone number and it said that it was a creditors interchange.

Got a call tonight from 500-000-0000. They asked for someone here, but did not ID themselves. I asked who they were. They said they represent "their client, (name witheld)" and I told them do not call here again and hung up. They called a second time, we did not answer. Never heard of this number before today. I am rather angry at these types of tactics if this is a collector of some sort...

Left voice mail - call from Creditors Interchange. Called them back - they are the collection arm of Wells Fargo Financial. They are not nice people - very mean, rude & ruthless. Very threatening!

ID should be 716-614-7500 in Buffalo NY. They harass anyone to get information.

These morons are calling me AND I AM NOT DELINQUENT ON ANY BILLS TO ANYONE ! I have asked them to stop calling but they do not. May have to call my state attorney general. They keep alluding to my Mother who is 83 , has Alzheimers, and is in a nursing home. I do not know much about her finances as her now deceased second husband handled all of that. My mother has only social security income. For those of you here DEFENDING these RUDE BASTARDS, and those of you who have bragged here about doing this for a living, you are the dregs of this earth and it is people like YOU WHO SHOULD TAKE PERSONAL RESPONSIBILITY for what you do to people and how you go about it. Sure there are deadbeats, but there are legal and ethical ways to deal with them. It is people like YOU who put this country into the financial disaster that it is now in. I once owned a small business and I completely understand how wrong and frustrating it is to be stiffed by people when you have provided them with goods and services. This DOES NOT justify the way you operate. When I saw that an "account" was starting to go "bad" on me, I first tried to work with them and then before trying to apply any kind of legal pressure, took it UPON MYSELF to start "cutting them off." How many of these credit card companies and banks extended credit to people who in NO WAY SHOULD HAVE BEEN QUALIFIED TO RECEIVE THIS CREDIT !?!?! There is blame to spread ALL AROUND !

Been having someone calling my job for the past 3 months from this company. The number only shows up 500000000. The person leaves a message but I don't understand what his name is. Just tell me that this is the last notice for a bill that my husband and I have. My husband and I are legally separated and we had no bills together. So this dummy is out of luck. When the number shows up, I just ignore it.

I have a call today telling me that i have been sued and that my date in court is oct 21 08 @ 2p.m.but won't tell me for what because he said his been recording our conversation.And my husband is diployed in Irag for six months i have been very stress out and unhappy and here comes these man kill me making me more stress out i have three kids who need me i don't need this crap.

Kim

They are calling me also threating court. Its against the Law to threaten Jail time for a debt and to disclose Personal Information 2 a third party. Theres a website you can search and file a complaint and they will get fined ( 1000-10000) every time they break the law. This company is notorios for getting fined and scare tactics. They have been threating to take me to court for the last 2 months evey call says its my final notice saying to pay in full. I dont have a dime to my name if i could pay i would but not to these slimeballs i would pay the original creditor no a 2nd party Collection agency that buys debts pennys on the dollar and have some want to be Attorny,Cop,ect saying there trying to help you.They work on mostly commission and they get a big chunk if you settle,They make min wage hourly and forces them to scare old people and people that dont know there rights to pay with anything the got.

Miss Rueda from Creditors Interchange called my mother yesterday. She was very rude, harassing, tried to force her into setting up a payment and kept insisting that it "had to be done today." My mother told her she is on a fixed income and cannot make a payment until months end. This was unacceptable. Miss Rueda then told her she would go to jail for non payment of this debt. My mother never once disputed this debt, but tried to work with Miss Rueda. However, Miss "Rude"a was unwilling to work with her. She told my mother she had until 3 p.m. to come up with the money from "wherever/whoever" or she would then start calling all her family members and neighbors. Now, I work in the legal field, and know for a fact that in PA this is ILLEGAL!!!!! My mother hung up on her and Miss Rueda called right back. I am now investigating this with Attorney General's office.

Suggestion get a phone like the one I have where you can turn off the ringer. It just flashes a light when an incoming call comes in and records it on caller id.

Creditors Interchange - Asked me to call 888-360-0522 x3325. Said his name was Mario Lopez but his accent was not Hispanic.

Messege said to call 866-816-3176

On my ID caller, it comes up as Personal Commer ( no more room for added letters ) so I figure with that kind of number, has to be a scammer. I don't answer, the machine picks up all of my calls if I don't know them.

Identified themself as representing Bank of America and threatened consequences if I did not call back at 800-724-1107. Actually used my name in the message left on my cell phone (Privacy). I found the 800 number in an on-line search listed in the telemarketers listing index.

anna, as the caller identified herself, would not give me information as to what calvery portfolio is. she did, however, deny it was a collection agency. she also stated that my husband explicitly stated that any information cannot be shared with anyone else, including me.

Chase CC company

What is very fishy about this, is the fact that I recently got married and changed my name...but I haven't on my credit cards, yet. I don't use them, just paying them off, so I keep forgetting to do it. I have my new name in my voicemail message and they asked for that name. If they were going by my records, they would've asked for me by my maiden name. I don't want to give them the time of day.

Identifies as an attorney, lies and harasses after being told they are violating the Fair Debt Practices Act, they continue to call. Consult an attorney, it is $1000.00 each infraction. Keep records, they called my work 8 times in 4 days. This is illegal.

I just got a call today form a Mr. Coons he was harrassing to take my brother to court for not paying a debt with Bank of America Master Card.
My brother has been married for 10years and lives far from me. .......Mr Coons was very pushy and rude and he was threatening me for not giving him more information about my brother. He wanted my brother to call him within 1 hour or he would file the paperwork to take him to court.
I started to suspect this guy wasnt for real so I told him that my brother just refinanced his house and that he has great credit, I know for fact because I am a mortgage loan agent and I felt like this Mr. Coons sounded like a fraud. I told him that he was mistaken and he is looking for the wrong person, but he kept threatening that if he doesnt get a call from my brother within 1 hour that will file the law suit.
Mr. Coons the number on caller i.d. was 500000000 his phone number to return his call is 1-866-816-3177

They left a messge and gave a case number. Said it was urgent that I call.

When I questioned how they got my phone number and what document they found my number on, she stated in was private information and I was disconnected.

Creditors Interchange is the worst of them. These people will say anything and treat you like garbage. I have several payment plans with other creditors and collections that are respectful. I'm just waiting till they sell my debt to a decent agency, then I'll pay. If they want to sue, go ahead. I'll counter sue for how many times they broke the FDCPA with me. I got it all written down. Know your rights people.

I AM A DEBT COLLECTOR MYSELF AND I HAVE A FEW THINGS TO SAY..
FIRST OF ALL..IF YOU DEAD BEATS DON'T LIKE THE PHONE CALLS..THEN PAY YOUR BILLS.SIMPLE AS THAT. EACH ONE OF YOU PEOPLE LEAVING COMMENTS ON HERE ARE BROKE LOSERS WHO DON'T PAY YOUR BILLS. YOU CALL IT "HARRASSING YOU" WHEN WE CALL? YOU ARE HARRASSING OUR CLIENTS BY NOT PAYING YOUR BILLS. AND IF IT MAKES YOU FEEL ANY BETTER..A GOOD COLLECTOR MAKES $100K-$200K PER YEAR. HOW MUCH DO YOU PEOPLE MAKE? WE GET PAID A FINE SALARY PLUS BONUS WHEN WE MAKE DEAD BEATS LIKE YOU PAY THEIR BILLS. I LOVE MY JOB AND I'M VERY GOOD AT IT. AND YES..I WILL SAY WHATEVER I NEED TO MAKE YOU PAY. I'LL FIND YOUR JOB,YOUR WIFES JOB,YOUR WHOLE FAMILY'S CONTACT INFO AND YOU BETTER BELIEVE I WILL FIND YOU..SO..AS LONG AS THERE ARE DEAD BEATS LIKE YOU PEOPLE WHO DON'T PAY THERE BILLS..THERE WILL BE HUNGRY COLLECTORS LIKE US MAKING YOU PAY! REMEMBER THAT! YOU CAN COMPLAIN,CRY,MAKE ALL THE STUPID EXCUSES YOU WANT..AND TRY TO MAKE PEOPLE FEEL BAD FOR YOU BUT REMEMBER..YOU OWE THE MONEY..HOW DARE YOU SAY WE ARE HARRASSING YOU! WHAT IF SOMEONE OWED YOU MONEY! WOULD YOU NOT DO WHAT YOU NEED TO DO TO GET YOUR MONEY BACK! GET A JOB AND "PAY YOUR BILL" OH YEAH..ONE MORE THING..KEEP AVOIDING OUR PHONE CALLS AND IGNORING YOUR DEBT..AND YOU JUST MIGHT GET SERVED WITH COURT PAPERS. MANY CC COMPANIES,BANKS,ETC CAN AND WILL SUE. WILL YOU BE THE ONE GETTING A KNOCK ON YOUR DOOR BEING SERVED ALL BECAUSE YOU WERE TOO SCARED TO RETURN OUR CALL AND MAKE ARRANGEMENTS TO PAY YOUR BILL???

Maybe if you debtor's oh sorry "CONSUMERS" paid your debts in the first place, you wouldnt be typing about the people who have to remind you day in and day out, that you have an outstanding balance. We hear excuse after excuse of your hardship and frankly we really dont give a shit. We could care less if you pay your bills or not but like some of you we have a job to do and that job needs to get done. Yes some Collectors are mean and annoying, but that doesnt give u the right to come onto this site and other's slandering some of us by our name and putting our contact information to the public, what the hell is wrong with you. By all means tell the web world your a dirty debtor and dont want to pay your bills. But putting our information out there is wrong, and like you want to find out if we followed the FDCPA, we can still sue you too, for buisness and personal. KEEP THAT IN MIND.

For those of you that are being contacted and want it stopped send a "Cease and Desist" letter.... They can only contact you once, only once more to let you know they have received your letter...Should be sent in a manner it has to be signed for... You will also be able to track it yourself..

This is creditors Interchange a collection agency out of Buffalo New York.They also have offices in Derby NY,Cleveland OH,Las Vegas and in Florida.They collect on numerous kinds of debtIE:auto defiencies,student loans and numerous credit cards.From what I have found out they also handle PRE-LEGAL accounts.So don't pass it off as I did because the call I received from them stated they were calling about an arbitration account I had with them.Well I blew it off and now I am being issued a judgement against me for an un paid credit card bill I owed.Granted most of these type of companies use scare tactics to get you to pay which is what I thought.If you receive a call from these people call them back and hear what they have to say before you end up in the same situation I am in.Not only do i know have to pay the balance owed (which was only $3500) and i could have worked out a plan to pay it back but know I have to pay all these fileing and processing fees on top of it.

This is a collection agency called Credit Exchange. I had a jerk Calenthia call me. She is a real piece of work! Her number is 888-865-3177 ext 4148 if any one wants to return the favor.

In response to Lyn:
Call the agency and then follow up with a certified letter stating that your mom is in a nursing home and that you want no more calls placed to YOU.

Since collectors typically work on commission, common sense would dictate that if they see notation that they probably wont get paid on an account makes their efforts lessen. Typically.

Understand that any proof you could provide to your mom's condition and financial situation does not mean collection activity will cease, but at least you wont be contacted.

Creditors Interchange, PO Box 1335, Buffalo, NY 14240
Collectors for Capital One. Looking for my mother in law who is in a nursing home. I will send them documentation to see if they leave me alone..what do you think??????????

To respond to Donna O:
A big misconception people have is that if they make a small payment or "what they can afford" on a debt that the creditor can take no legal action against them.

The creditor DOES have to accept your payment (unless it is from a third party) and apply it to your debt, but that DOES NOT constitute a payment arrangement with them. Furthermore, when a debt goes past 180 days of no payment, sporadic payments or less than contractual minimum payments, the debt becomes "charged off" and, per the typical card member agreement, the balance becomes due in full.

If it were true that you can pay whatever you want on your bills and a creditor couldn't sue you, then we'd all go out, run up 100K on credit cards and pay $10.00 a month. Hell, I'd be right there in line for that sweet deal.

Furthermore, there is no such thing as "judgment proof". A creditor can file a civil suit against anyone. The difference is whether or not they can EXECUTE the judgment for forcible recovery. For example, a person on SSI who owns no property doesn't have wages that can be garnished or have a lien placed on real property. But a creditor can still file a judgment anyway which will appear on a credit report. In cases where they do have forcible remedy available, the laws vary from state to state on the amount of garnishment they can ask for and so forth.

Finally, as for the statute of limitations, it also varies from state to state. If you haven't paid on a bill in 3 years, you may still be within statute in your state.

LOL the funny thing about all you...is the reason why your bein called in the first place...its classic...how can u afford the internet..?????hmmmm the reason why ure being called???? =) my point exactly...

AS A COLLECTOR MYSELF I FEEL THE NEED TO LET YOU KNOW THAT NOT ALL DEBT COLLECTORS ARE RUDE. AS IS THE SAME WITH EVERY OTHER TYPE OF OFFICE THERE ARE PEOPLE THAT DONT ALWAYS FOLLOW THE RULES AND THERE ARE PEOPLE THAT HAVE NO REGARD FOR OTHER PEOPLE,HOWEVER, THEY SHOULD HAVE NO INFLUENCE ON THE WAY EVERYONE IS LOOKED AT. I CHOOSE TO CONTACT PEOPLE IN A POLITE MANNER AND AM VERY CONTIOUS OF THE FDCPA AND THE LAWS THAT GOVERN ME AS A COLLECTOR. YES I DO WORK ON A BASE WAGE PLUS COMMISION JOB SO I DO WANT PEOPLE TO PAY ME AS I HAVE A FAMILY TO SUPPORT ALSO. I WOULD RATHER HELP SOMEONE THAN SCREAM AT THEM. HOWEVER NICE I MAY BE ON THE PHONE I AM YELLED AT ON A DAILY BASIS IN MORE PROFANE LANGUAGE THAN I WOULD EVER REPEAT. THE BOTTOM LINE IS DEBT HAPPENS TO THE BEST OF US AND IF EVERYONE PAID THEIR BILLS ON TIME THERE WOULD BE NO NEED FOR ME. AS FOR THE CALLS YOU ALL ARE RECIEVING THEY WILL NOT STOP UNTIL YOU CONFRONT THE PROBLEM IF YOU DONT KNOW THE PERSON THEY ARE CALLING FOR TELL THEM THAT...IF IT IS FOR YOU TRY LETTING THEM KNOW THE SITUATION!!!! THEY DO THIS FOR A LIVING AND MAY HAVE SUGGESTIONS THAT YOU MAY NOT EVEN HAVE CONSIDERD. THE SAME RULES APPLY TO YOU AS THEY DO US....YOU CATCH MORE FLYS WITH HONEY....BESIDES CARMA IS A BITCH AND YOU GET BACK WHAT YOU PUT OUT THERE.

This number is Creditors Interchange. They called saying they were processing a claim and needed to speak with me immediately. Said they were from the county where I currently reside. Come to find out they are lairs. The message said to call 888-865-3118 ext 3283 for Irene. They lied about who they were so I would call. I didn't call and I won't.

keep calling for a janice breckenridge very rude and told them i would report for harassment.

Said there was a Red Flag on an account and I could not understand who the account was in the name of, was not me though.

this #500-000-0000 is coming from (bank of america).a man by the of mr coons,call back #866-816-3177ext4075.this man is very threatening rude and keeps calling after he has been told that the one he is asking for does not live here at this #.

Gave em the whistle. He He!!!!!!!!!!!

said he was calling on behalf of capital one management, that there is a litigation that was going on, and im about to be sued. this case has been going on, want to know if i want to resolve my case.

he was very rude on phone

Called my cell phone and said they were going to get an attorney to collect a debt and I better get an attorney or pay this in 72 hrs...

a woman left a message for someone who does not live here saying they had no choice but to pursue some sort of accident. they leave a call back number that answers with a canned message. i had to listen 3 times to understand what she was saying.

fraud company... under-investgation for fraud and harassment charge

These people are insane. I received a call from my mother stating that the number 500-000-0000 had left a message about me being taken to court over a debt 5 minutes later my brother in law calls me and tells me this same company called him as well as my mother in law. I called them back and all they did was argue with me stating I would be taken to court. The debt they claim I owe was paid off 4 years ago in full with the capital one. When I stated I had a credit report and letter from the company stating it was paid in full I was called a liar. I have found that they were taken to court in November 2003 and ordered to pay 30,000 in fees but it has not stopped them. What else can we do?

I got a call from Clayton Snow a couple months ago and he told me that he was going to file a lawsuit within the county that I live at the end of 10 days, unless I paid $5,000 by then. I told him that I didn't have any money, and that is why I was late on my credit cards anyways. He set up this $100 payment plan and I fell for it. Needless to say, I caught up on all my bills and told him to quit taking the money out of my account... Well, wouldn't you know... He kept taking it out!!! I have filed complaints with Wells Fargo, the State Attorney, and the FTC. Don't fall for their crap, like I did! They cannot do a single thing to you! It takes months, before they can garnish any wages. You have plenty of time to appeal and prolong the hassle. They are nothing more than scumbags!!!!

Very misinformed, or just plain stupid. They would probably be more affective if they actually went to school for debt collecting, that way they wouldn't be so freakin stupid and ignorant.

stated this was in regard to a claim that was filed and gave some case number. stated that it was urgent to speak to sean within next 24-48 hours. no information given re company calling, what claim was about, and why it was urgent to speak to him. sorry. don't pass this kind of call along.

they said nothing

Received a call from ths number on 1/28/2008 at 10:40 AM PST. No voice mail was left.

Creditors Interchange 80 Holtz Drive Buffalo, NY 14225 1-866-816-2891 or P.O. Box 2270 Buffalo, NY 14240-2270

they are actually a collection agency working for other agencies, one in particular a company called ECAST SETTLEMENT CORPORATION P.O. Box 7247-6934 Phildadelphia, PA 19170-6934 and others as well.

another number for CI is 1-866-896-5254 and 1-866-894-7534
Calls my number on a daily basis four and five times a day usally from some guy named Rapheal O'Riley always tries to have tough tone in his voice like he somebody important. They can call all day long till they turn blue in the face not getting getting anything from me found out the little money I did owe was charged off as a lost. So they bought it and trying to collect on something the company written off as a lost.

Received a call from PERSONALCOMMSER with a caller ID # of 500-000-0000 called at 9:30am this day (Saturday). The message that was left stated that because of the urgency of this matter we must call 866-816-3176 Ext# 3711. Instead I logged on to this website info. Sure enough, multitudes of others have received these calls also. I changed my outgoing message, and will call the phone company Monday and report this to whomever I can.

A man with an Indian Accent called me. When I asked what it was in refernce to he changed his answer 4 times. Then asked me for my checking acct. information. I refused to give them the information. He asked to me hold and he put his "manager" on the phone. He asked me for my checking acct. information. I told him I had a bad experience with that in the past and he called me a liar and said "Just admit that you don't want to pay", I told him that since he decided to be rude I would be hanging up. I hung up and they called back. My father, who had been listening, answered. THe man made a remark about how WOMEN are hard to talk to, which made my father angry and they were told never to call our home again.

I have received almost daily calls and have reported them to my phone company. I am not the person they are looking for. The caller is very threatening about collecting a debt and it creeps me out that they have my number in their files.

According to my caller ID, I have received 4 such calls, two from "Unknown Name" with no number.

No answer.
2 calls.

Sounds NASALLY and LOUD!!! Get some Afrin, would ya?? Says his name is Mr. Nolan and the person he is calling (not me) is to call him back promptly and respectfully by end of business today! Ok yeah sure, try the correct number first ok. We do not know the person you are calling for!
Caller id says 'Unavailable' phone number is 500-000-0000, msg says to call 866 816-3176 x3615!

this 500-000-0000 number has been showing up on my called ID for a few weeks now. I have received two messages with no company name or what the call is in refrence too. THe person leaving the message has a thick accent and is very muffled. Did try calling back the number that was left 1-716-654-5346 and got a message that the area code had changed to 585 called again and recieved a message the number is no longer in service or has been disconnected. Did a reverse search on google and all it shows its its coming from some where in New York and its a residential number. I read that if you call 1-800-724-1107 you can block this call... Dont know if it works or not but am going to try.

This individual has called about 4 or 5 times. I told him the indiviual didn't live here each time he called. After a heated conversation I hung up, he called right back and I told him I was going to report him and hung up again. I looked up debt collectors on Google and the Federal Trade Commission came up. I called them and they took a report and said that according to the Fair Debt Collection Act they were not allowed to keep calling once they were told the party didn't live here. If you call them be sure to have a phone number other then 500-000-0000. It's been 5 days and I haven't heared from him since.

They called here twice in 1 day within 10 mins two different callers both saying they are calling from CI over a breach of contract that if we don't call them by noon they will take "further action" called on my husbands cell also.
David Thompson 866-896-5257 x3202

This person asked for someone who must have had my number before. I just got the number and he accused me of lying and said that my answering machine verified I was that person. I don't have an answering machine, yet. I've had this number for a whole 4 days and I get harrassed by a person who wcalled me a liar and would not give a name for himself or his company.

person calling didn't identify themselves, im only sorry that can't find who there looking for. and then they tell me that they will be at my front door tomorrow. i hope they don't beleive that i won't call police if they show up harrassing me. where do they get the false info.

Company keeps calling looking for someone with the same ununusual last name. Have no clue who that person is and I've told them so. I've requested that they quit calling. They still continue to call periodically. I'm keeping a record of all the messages they left and will eventually pass it on to my lawyer when I have enough.

I think they have a website, creditorsinterchange.com. Try it.

"Unknown Name" said that he would call the "authorities." He kept talking about something that I never even heard about. He keeps calling again and again. How annoying!

Asked for someone I don't know. I have had the phone number for 8 months with no one calling for the previous numbers owner.

They've been calling my home 3-4 times per day for over a year. Most of the time they don't leave messages but when they have this is the message, "Antonio Rodrigues, you must call me back, this is Jim Talman".

I made the mistake of picking up the phone once to tell them Antonio Rodrigues does not live here and must be someone that gave them the wrong number to call. The person was very mean, authoritative and scary insisting that person was here....!!! I hung up on them.

How can we stop this phone harrassment ??????? I've put them on the do not call list but they just keep calling!!!

I'm in canada and it's just creeping it's way into our country, i didn't answer, I've been having problems with bill collectors and will till the bankruptcy papers are done and all the creditors notified, but I'm going to have to eventually answer so i can include their account or reference # also! (what fun) If its even for me! lol Who knows.

Phone call came in on 11/15/2007 around 4pm. Asked for a name I did not know. Then terminated the call.

They are definately breaking the Federal fair debt collection practices act. So do what i do, I warn them to stop calling me and say if you call me again i will treat you like a prank call and will try to blow their headset off by using a sports blow horn. Then you buy a sports blow horn and when they call again (which they will) use the horn.

what a group of jerks.. Told my wife they will file a 1099 tax statement, take our income tax refund and sell our home.

Caller left a message for someone I do not know saying his name was "Mr. Paolo(?)" and that it was in my best interest to call him back before noon today. He left the number 888-225-6324 ext 3335. Definitely sounded like a bill collector. I thought it was illegal for a company to misrepresent the phone number they are calling from?

Can't wait for Bill S.704 to be passed: http://thomas.loc.gov/cgi-bin/bdquery/z?d110:SN00704:@@@L&summ2=m&

i've been calling them back constantly from the number given on this site. they say they can;t remove my number without all my personal info. so I talk to them for 5 or 10 minutes and then they can't harrass other people during that time

These people are calling my house and leaving messages looking for my brother-in-law. Called the number and gave them a rash of sh** for leaving threatening messages on my machine and told them to delete my number. Supposedly they got our number from a private investigator. Their number is 866-225-6324. If they leave another message I am suing them.

the caller:
Erica Reed
866-816-3176
ext3450

Ever wonder where drug addicts, prison parolees, and newly released mental patients go? They become debt collectors....oh.....that's why they are BRAIN DEAD DIRTBAGS!

They called me on saturday morning at 8:45 a.m, claimed they were a police charity. I hung up because it obviously wasn't a police charity..
Then they called this morning again at 8:45, I hung up and blocked the number from calling again.I wanted to make sure it was the same fraudulent people. If they call from another number I'll block that one.
At a couple of bucks a month it's worth it to block telemarketers and scam artists.

I Love Caller ID.. If I dont KNOW the number, Simply DONT ANSWER. Life can be so easy if you choose it to be so.

Very rude, call is not even for me

I was called 2 X's in an hour. I was real rude and he told me he worked for the Dept. of Corrections and would have me arrested if I didn't give him my name. I told him to f/o. No more calls since then

collector for Chase Bank

Collection agency kept call me on cell phone. They would call every few minutes. Very rude!!

This company violates the FTC constantly! They are not supposed to call cell phones, because it is against the law to make someone you're collecting from pay money to talk to a collector! They violate 3rd party information laws also, leaving messages for someone else in detail of what they owe, etc, etc. Also they violate by pretending to be lawyers, which is a BIG NO NO! Threatening to litigate is illegal unless you actually can! Don't even bother to answer the phone. This company needs to be reported.

They have been leaving messages for someone named Robin on my machine for quite some time. (I have had this # for 25 years!) Today I happened to be home when they called. I was having the machine screen the call and when I heard the same message again I picked up and told them that there was noone here by that name and that I had never heard of her. We'll see if the messages stop or not.

Left on voicemail male voice, northern, spoke so quickly could barely understand, sd call 866-896-5254,direct extension 3895 - Since I have absolutely no outstanding debt, qoogled and found this page. Didn't return call. Suggest others do not as well

1866-604-6169 is there number, they are trying to collect on debts that is more than the law allows to stay on the credit report. Dont waist time with them, goto you local civil court and file case against them

no message just the 500 # but bout 5 X's a day along with all those other #'s everyone is referring to. And yes all of them are the most extreme ruddiest ever!!!

Same thing as practically everyone else. We recently moved to a new city and got our new number. Apparently, it is only new to us, as they are calling for someone whom we have never even heard of. Of course, they only call 5-6 times a day.

this is a fucking stupid company that keeps calling for someone else who left them a phony number - of course you can't call them. Real assholes!

left msg to call "Jerry" at 1866 604 6169 X3781 - reference #......

They are also working for Chase Bank.

They claim that they are having a problem with the phone number shoing 500-000-0000 from a storm last week. But they know full well that the fraudulent number, which violates the FDCPA, has been programed since last year.
For anyone of you who unfortunately answer their calls, you can get 1,000 fine from them for the FDCPA (Fair Debt Collection Practices Act) violation.

Lady named Carol called asking for Violet White to call 877-770-6328 Ext 4250
Do these people even know how to look in a phone book or do they get there jollies calling whoever?

They left a message on my cell for someone I've never heard of. I don't owe anyone any money so I'm not sure what they want but thanks to the comments here I certainly won't be answering or calling them back!!

These guys are BIG Jerks! I'd like to meet these guys on the streets! They don't know who they are dealing with.

They are standard low rent collections, I send then a 100 page answer to thier call on thier fax everytime they call. thier Fax number is Fax (716-614-7608)

message was to call 888-865-3118x3283

They call and hang up constantly! The one time I answered and asked who they were, they wouldn't tell me so I hung up on them. Guess what people.....that is the LAST TIME I will talk to you!

Asked for someone I've never heard of.

When I got tired of the calls and asked who is calling he said it "doesn't matter" and asked to speak to that girl again.

I challenged him about his fake caller ID and he got abusive.

I hung up. He kept calling again, so I unplugged the phone for a few hours.

got a call from these people this morning, i told them that if they would mail me thier information i would dela with this situation.

the guy on the phone informed me that he would come to my house to bust my face if i did not quit asking him to mail me the information he has. then he hung up on me.

Creditors Interchange collection company - masked number
creditorsinterchange.com

They lefta toll free number on my v-mail (866-896-5257) I called froma payphone and found it was 'Creditor's Interchange". They weren't even calling for me, but for an acquaintance of mine asking his contact info. How tehy got my cell number I'll never know!

I'v only got I call. today when i got home from work there was a voice mail and i only caught the end of it, it was a recording and said thank you for holding we would like to talk to you. then it went to elevator music until the voice mail timed out. I don't owe anybody money??

RUDE! Asked them to stop calling but they didn't.

BUFFALO, NY - Creditors Interchange, Inc. has announced the acquisition of its business operations by two Chicago, Illinois-based private equity firms; Prairie Capital, LP and Caffery Capital Partners, LLC.

Creditor's Interchange is located in (where else) Buffalo, NY, however they have a large collection operation across the river in Canada (ayhh!) where the wages and worker benefits are even smaller. CEO David Young must have gotten one hell of a bonus for pulling this off.

Just got called 5 times from them. Some foreign guy claimed to be "Andy Rogers" which I doubt was his name. Anyway, apparently it's important I call them back because it's been "escalated." What a load of bull. Do not answer these people.

They call me all the time, sometimes as many as five times in a row, I never answer when I see it is the 500-000-0000 number. They have only left one message that stated they had information regarding my Social Security number and it was urgent that I call them back. I have no idea why they are calling me as I have no unpaid debt. No way am I calling them back!!!

Never Help a Debt
Collector Rob You!

The State of New York is fed up with the unlawful practices of these knuckle-heads. Because of complaints from consumers about Creditors Interchange they were forced to sign an Assurance of Discontinuance to the New York AG. In other words; "We promise not to break the law again".
TEEHEE! How funny!

had my first name right but not my last. Got real arrogant when I told them no one worked here by the last name they were calling. sounded like she was working in a sweat shop, lots of chatter in the background

on machine

Calls early afternoon. Always leaves a message, but never a company name.
From the reports I read, this is a bullshit collection agency, that plays dirty games to get money. Maybe they would get paid if they were credible.

They are trying to reach my son. I have told them he does not live here and to quit calling as I work nights and tryyy to sleep during the day. They could care less.

Calls all the time, even after sending a cease all communications letter under the Federal Debt Collection Practices Act. I never talk to them...I can't pay with blood, so they'll get my money when I find a job.

they called me telling me they are starting litigation over a debt that belongs to my ex-wife through a divorce. very insulting because i have no idea where she is. told me it is good that we did not have children

calls all the time

Asked her if she really believed if I had $3800 laying around I wouldn't have paid my debts. She said "I don't know, I don't know you". Bitch. Really, I have the money in the bank but refuse to pay because I love their incessant calling so much!

They call asking for a ficticious name in order to get you to call back and say that there's no-one here by that name. Then they ask "who are you." It's all a ruse to use phoney names in order to get you to call back and open the can of worms. DO NOT CALL THEM BACK...DO NOT ANSWER WHEN THEY CALL FROM 500-000-0000...ALL YOU WOULD BE DOING IS ASKING FOR TROUBLE.

These dirt bags have a history of not being able to control their collectors. VERY aggressive debt collectors who will lie, threaten and do any illegal act imaginable, just to separate you from your money. These are nasty, desperate conmen, and con-women that should NEVER be trusted. They have posed as bankers, lawyers and other professionals to scare consumers into believing something bad would happen, if monies were not immediately forthcoming. In reality, these low-life's of the collection industry are nothing but a fraud! Any debt collector from Buffalo, New York is desperate, however Creditors Interchange apparently is hiring the WORST of the WORST! Stay far away from this ship-wreck of out of control rats, they are desperate and dangerous!

He left part of a message on machine in weird accent, seems to be a foreign collections agency, have no knowledge of any business with them or anybody working with them.Cannot understand the caller, will report them.

They call and ask for a "will Smith" ...this "will smith" has given my personal cell number out before. I told them two times I don't know who will smith is (if they listen to my voicemail, it clearly states my name) It's been 4 years. The caller from the 500-000-0000 stated he gave her this number years ago. She had an accent (non-us) so I don't know where she was calling from.

I just made a payment arrangement with this company. I told the woman not to call since we have made arrangements. My payments have been on time, in fact I paid this month's early. They just left a "hang up" message on my machine but you cannot call the 500-000-0000 #. It is a collcetion agency-creditor's Interchange in Buffalo, NY. You can call the toll-free # and tell them to stop calling because you never heard of the person they are asking for (even if it IS you) and if they continue calling you will contact your lawyer. Also tell them you have all of the calls recorded on your caller ID. I have done collections and yes, they will keep calling until they get a response. So just call the toll-free# and do what I said. You don't know this person, so please stop calling and they should. The worst thing to do is avoid them because they will try harder and keep calling and hanging up. Take your name off your machine. Friends and family know your voice. Mine says "Hi, please leave a message after the beep and we'll call you back". That's why they hang up. By law they cannot leave a message if they are not sure the phone # belongs to the person who owes them money. You can also agree to pay $20, $30 or whatever you can afford if you want to clean up your credit and they will leave you alone.The toll-free # is 800-724-1107.

I just got a message from this number and was very curious as to who it was because the message was so strange. She did not identify herself but told me to leave a voicemail with my employement info. Thanks for the tips.

These people never tell you why they want you to call them back. I have never answered it but they have left several messages. One of the messages said I needed to call them back before they took local civil action against me. They have no power and I am not sure why they think they can intimidate people to get them to call them back. I have unpaid debt, but they have no right to go about it they way they are.

500-000-0000 is a bad debt buyer call Creditors Exchange (collection Agency) and the chances are good that this is passed the SOL in your state and they have no legal right to collect. What state are you in, and when was the last time you paid the original creditor before the account became deliquent. (when was the card last in good standing - you could charge on it)
This CA is in violation of the FDCPA. DON'T PAY THIS CA ANYTHING.
You do not have to agree to arbitration, and even if they get the usual phony arbitration award, they still have to sue and get a judgement before they can collect. AND it sounds to me like their chances of collecting on a judgement are not very good.

VERY RUDE! Left extremely rude and antagonistic message at my place of work!

They called themsleves The Benchmark Group too! Also rude collection people, threatening to take legal action for upaid debts.

They are ceditors exchange working for commission on unpaid sold debt for pennies on the dollar. They also use 6000000000 and 8668965254 they threaten to send to court how funny very unprofessional and dirty bags, Never call them back They also record your call and have listeners on the other end like supervisors. Watchout especially for Wilson and Chapman all had wierd accents..

they hung up on mine as well, phishers and freakers starting their own telephone scams i'm sure..

2 SECONDS OF SILENCE.. THEN THEY HUNG UP ON THE VMAIL..

keeps calling & calling for someone that I never heard of and I have no clue if such a person even exists...The nut case effeminate male voice just keeps repeating the name and has never said one other word or identified who is calling and the purpose....I'm not sure how to handle this creature anymore

just lots of noise in the backround like a call center on my mobile

Rude, obnoxious regarding a closed paid account. Said they'd call back with more info -- never did.

asked for person i don't know.

Unprofessional, rude collection company. Changed my mobile number and reprinted all business stationary and business cards to reflect new number and they still found my new mobile number. Called me on it even after agreeing to instructions to ONLY call me on my office phone.

Have received several misleading messages. Does not seem like an ethical organization.

acted like a lawyer for a collection agency

THIS PERSON WAS VERY HATEFUL AND THREATENED TO CALL ME AT WORK. CALL ME A FLAT OUT LIAR. REAL JERKS!

the calls don't stop! and its not even for me.

They finally left a voice message. Definitely a collection agency, but did not say who they represented. A disguised phone number for 718-775-3238...another unpublished #.

It is illegal for these companies to disguise their identity! I wouldn't give them 10 seconds of my time!

Caller ID sez Toll Free Number. Keeps calling.

ignorant piece of trash.

Kept calling for a Denise Linville....

Very Rude, call was not even for me.

Obviously, It keeps trying

Obviously a witless collection agency.