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I received a call today from Oracle Financial Group claiming I took a loan out for $400 to Kenwood services. I have never heard of them and looked them up online and it looks like one of those payday loan sites that sends out your application and gets you with a lender. I did have payday loans and went through PDLDA years ago. This is from 2011 they said. I told them I have never dealt with this company and they need to provide me with verification from the original creditor with amount borrowed and amounts paid. they couldn't provide it and I requested it be sent. I told the supervisor to call me tomorrow at 10:30 because I needed to figure this out. She is saying they are going to add $3200 for attorney and legal fees friday and that this is in pre litigation. okay. I don't believe her but it still freaks me out just the same. I am in Maryland So I am not sure what they can or cant do. I see online that they are a collection agency which she told me they are in litigation and so she is lying.

when the bitch calls back tell her you are filing AG,and FTC complaints against her bottomfeeder collector.pdl's are prohibited in maryland,and per the FDCPA they must send a basic collection letter 5 days after initial basically this is a bottomfeeder collector,and the bitch broke the law hand over fist with the pre litigation threat.file the complaints,and ignore her,and anybody else from this can file the FTC complaint at that and know again a complete bottomfeeder that needs illegal threats,and scare tactics as they have nothing else.

Sub: #1 posted on Tue, 03/10/2015 - 21:01

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

amazingly she didn't call back today....hmmmm surprised? Did alot more research last night, they are a collection company not a lawyer or anything of the sort, not licensed in MD, and the first person I talked to told me this was from 2011...MD debt SOL is 3 years. So, without a debt verification including the original creditor, license information of their company, proof that SOL isn't expired and proof of payments made by me.....she gets nothing. I had a feeling it was a scam but these things worry me. now to put another fraud watch on my credit...

Sub: #2 posted on Tue, 03/10/2015 - 21:20

dashajama dashajama

(Posts: 4 | Credits: 1.88)

she may call down the road,but maybe the fact that you weren't scared into just paying up made her move on.keep us posted if she does call again.we can advise further from there.

Sub: #3 posted on Wed, 03/11/2015 - 20:49

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

Now its a different company calling claiming the same dates but different company name. Wouldn't give me company contact info or original creditor info. Claims to be a litigation company. Looked up the name she gave me and doesn't look so good

Sub: #4 posted on Wed, 05/06/2015 - 21:44

dashajama dashajama

(Posts: 4 | Credits: 1.88)

This happens all the time. I too am from Maryland and have been in your shoes. Don't fall for their scare tactics and like Paul says report them.

Sub: #5 posted on Thu, 05/07/2015 - 01:44

bingonut bingonut

(Posts: 1433 | Credits: 168.82)

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