National Check Resolution

In April of 2017 NCR began contacting me multiple time daily, both on my cell phone and on my work line. After the first call to my work line, I told them that they are no longer allowed to call me at work, and may only contact me using my cell phone. I received two more calls to my work phone after that from the same individual. The calls from this company ceased after I disputed the debt with the original creditor. The calls have begun again. This time I hear from *** twice per day, if not more. On 7/21/2017, I spoke with a manager at this company when I called in to speak to ***. He was very rude, cut me off, and told me numerous times that they would email me a proof of debt as well as payment arrangement options. He also said that I would be served paperwork and essentially sued for this debt. Two charges, one of check fraud, and the other of misleading a lender, were the charges he was telling me I would be served for. I tried to explain to him that without proof of this debt being with their office as the original creditor did not verify it was with NCR, and in fact said that the file I had with their office was closed. I was told I would receive the proof of the debt that I was asking for within 15 minutes. As of this morning, 7/24/2017, I have not received a email with the documents requested. Additionally, I received two more calls this morning from *** Hart indicating that they would have me served with paperwork for the charges filed against me if I did not call her back immediately today. I called her once again and left a voicemail for her explaining that I had not received anything via email as promised. I am worried not only about the continuing threatening and rude phone calls, but also by the fact that this company is unwilling to provide proof of the debt. I filed a complaint with the Attorney General of Colorado's office and received an email from them moments ago indicating that this office is not licensed to collect in the state of Colorado.

THIS COMPANY IS A COMPLETE SCAM
After speaking to *** for 30 minutes I was told that I owed Advance.Cash $1153.25. I felt very uneasy when she refused to send me proof. She claimed that they did not have access to that. YET, they were able to provide my SSN and old addresses. After hearing that they knew my checking account number and previous employer name, I thought that they were legit. I gave them my credit card number. I was told that I would receive an email with everything in writing and I did not. I called the number that I was originally was given to call her on and it was "busy" all day (still is 24 hours later). I then called the number that she called me from (which happened to oddly be a Maryland number when they are in Georgia)and was able to get through to her after a person answered the phone as if it was a personal phone. She then emailed me a credit card authorization form to sign. The phone numbers on the form were completely different than what I had for them. It looked suspect so I began doing internet research to see negative reviews. I contacted the original debtor to find out that they were never given my account. They provided the info for the collections agency that had my account. I contacted them and they verified that NCR was indeed a scam. They have had several calls in the past few months of people in my same situation. I have emailed NCR telling them that I do NOT authorize them to charge my account. Should they do so, I will sue them. I have written information from both Advance.Cash as well as Midwest Fidelity (collections agency) that proves that I, in no way, am obligated to pay NCR because they do NOT have my account to legitimately collect money from me. This company needs to be shut down!!!

Harassing Phone calls that begin at 7:45 in the morning.
This company who claims to be Rocky Mountain Capital has now turned out to be National Check Resolution. They have harassed my family along with myself. They have now started to call my phone to harass me beginning at 7:45 in the morning than arguing that it is after 8am. I think I know my time zone and what time it is. He told be that he was based out of Phoenix, AZ but refuses to give me information of their office location address. They will not send me any written conformation of anything owed. I now have an attorney looking into the validity of all this. When I began to ask them questions, Settlement Director, *** got very agitated and hung up on me.

Received phone call from Unknown caller ID threatening to serve papers for a debt. Left the number *** with a file number to reference.
The name of the person on the original voice mail was*** (no last name). They called and left several messages on my cell phone and then called my sister's home phone and left the same threatening message. They also called my human resources group. The callback number they left was *** and reference case number FDA*** They said I had taken a payday loan and never paid it back. The date I called back- same as the date they called my sister- is 5/10/2017. The company they said I borrowed from is Bottom Dollar Payday, but that they don't care about the money. According the Michael (no last name would be given to me) the money Bottom Dollar paid me was from the National Bank of Delaware. I told them that I had once taken a loan from them but paid it. He wanted to know if I was prepared to take care of the loan or if they should proceed with legal action and serve papers at my home and workplace.

I asked for validation of the debt via mail, email or any other method. They said that they have been sending me notices for two years and they were done with that and they wanted payment immediately. I asked him to not be so rude and confrontational and he said he wasn't being that way. I told him that I would not give money to them as they would not provide documentation on the debt. I told him I would call Bottom Dollar and ask for validation. He said that Bottom Dollar and the bank do not want me to call because it is too late. They want their money or legal action will be taken.

I reminded him that debts are not a criminal offense and if I received any documentation for a legal debt, I would work with the company to resolve it. I believe I paid this debt off but I have no documentation to show that I had a debt or whether it was paid or not.

On May 5, 2017, NCR called stating if I did not settle a debt with them from an old Payday Loan acct, I would be taking to court.
Received a call from NCR on May 5, 2017 threatening to take me to court if I did not settle with them on an old payday loan. They stated they sent out letters to my address informing me of this debt. They said this account was transferred to them and that they would need to get payment on my credit card. I then, requested for documentation of this debt.account to be mailed - they could only email. I never received an email from them and on today, the 9th, I got another call from the manager indicating that if I didn't call before 3pm, they would proceed with going to court or collecting the debt through my bank account. I called my Uncle who is a lawyer - he gave me the following instructions...1) Call NCR back and let them know that you are recording this conversation. 2)Retrieve the date and amount that was transferred to NCR. 3)Get the full name and address of the original creditor. 4) Get in writing on their company letter head, the agreement of what the original amount and account was/ the orignial acct no#/ and what they (NCR) will settle for. 5) Also, get a signature on the leeter of agreement from the authorized manager or representative of NCR. My lawyer also told me to call the payday loan company head office (corporation) to see who now holds/own my transferred/closed account. When I called they said that my account was not given to NCR and that they never inquired of a collections agency by that name - that they wrote it off as delinquent account. Everything that my lawyer asked me to do, I am going to do...and ask that all this information and documentation be provided to me and him before I give any bank/credit card information.