5000000000

I get calls from this number several times a day. I know its a collector.So my advise to all of you is don't answer the calls and if you have a fax machine turn it on and give them something to listen to.eventually the calls will stop .if they don not send you anything in writing ignore them and they will go away.If you answer the phone they just keep calling.

I received a call from these guys and had no idea what they were talking about.  A few minutes later I ran my credit online and saw that I had two credit cards out in my name.  Long story short I found out my weasel father opened them up without my consent and I owe thousands of dollars.  They were opened in July of 2005.  During that time I was serving in the military and was in Camp Lejeune and deployed in September of that year.  I'm not sure how to pursue this and prove to them that I didn't open the accounts as my dad has all my personal information to do this.  It is possible to prove to them that I left in September, but would that be good enough?  I have no idea what to do, my father refuses to return the money.

Received a call from 500-00-0000.  Lady asked to speak to Bill.  I asked who she was and why she was calling.  She would not tell me who she was, just demanded to know if I was Bill.  I told her until she told me who she was and why she was calling, I was not telling her anything.  She then started shouting "Pay your bills!"  and I told her that she did not even know if she had the right person or not.  She kept saying who are you, over and over again.  I finally told her not to call this number anymore.  She then said she would call it whenever she got ready.  I told her to get ready for a law suit (to which I am already initiating).  She then mocked me in a 2 year olds voice-- "Im going to file a law suit."  I told her not to call and hung up.  The idiot then called back and started yelling at me to pay my bills.  4 days later, this same person called and left a msg on my voice mail.  She gave her name (Calenthia or something like that) and that she works for Credit Exchange and her number is 888-865-3117 Ext 4148.  I have turned this over to an attorney.

Unfortunately, I have a cell number that formerly belonged to someone who apparently left the area owing a lot of people. I keep getting calls on my cell phone and when I tell the callers that Melanie doesn't have the number anymore, they start asking me for my personal info, which I obviously an NOT going to give out. I did talk to a nice gentleman the other day who said he was going to put a note on the account stating that the number now belongs to someone else.  We'll see.

I have them caling fo a past credit card bill my husband owes, but they never send a letter. Do they have to send something written before the start throwing threats around?

A few years ago i co signed for my parents to get a home . They had the now famous Varible rates ( 5.9% to 10.9%) The Mortgage companies would not help at all .So they had to Foreclose . Ruined my credit (had around 750 score ) a few moths later my Credit Card rates skyrocket ( 11.9 to 29.9 ) next thing i know im in big debt and on State Disabilty , I do owe a few places money , even hired spent over 2,000 to get Debt Consolidater (Credit Solutions ) . This company has not help me worth of crap , They just took my money ,My Family , Work and cell Phone gets called everyday bye these punks .I have no other option to go BK . Dont know if i will ever have a CC in my Life ,Its pretty bad when jobs are requiring Credit reports .

As for Creditor's Interchange you guys will never see a cent from me .

STOP! THE HARASSING PHONE CALLS FROM EVERYONE. GO ONLINE TO PERSON-TO-PERSON.COM AND READ ABOUT THIS WONDERFUL CALLER ID BOX... I HAVE ONE AND IT'S THE BEST THING EVER. YOU CONTROL WHAT CALLS YOU WANT TO RING YOUR PHONE. I LOVE IT! LET THOSE BOTTOM FEEDERS EAT CAKE!!!! B OF A AS WELL!

A man called my cell from this 50000000000 number saying htey were calling for "my client" so and so and he is an attorney who needs me to call him right away at 800-545-2386 and before hanging up demands that I calles today.
I  have no "client" and I don't know how he got my cell number!!!

I received a call today from these sharks. I just so happened to be at my parents' house when the phone rang. I answered it. I knew from previous experience that this was a collector (they've called my home and cell phone CONSTANTLY!). I know I owe a debt and am currently working with an attorney. These sharks can't seem to figure out how to contact my attorney. Anyways, I pretended to be my sister, and this yahoo starts telling me how I need to contact myself because they are going to sue me for an ungodly amount of money and that I need to be contacted right away. I tried telling him that we don't see "me" anymore, and he got really nasty and told me that he wanted to speak to an adult in the household. When I said there wasn't an adult here, he hung up. They are just so stupid and rude. I know I owe a debt, but using the scare tactics that they use is ridiculous!!! And against the law! Jerks!

i got a call from14843803096 at 2 in the morning so i didnt pick up i was sleeping then someone sent me a text saying they got my number from a friend & if i wanted to know who it was come to this site & that there usernane is something I sent a text a tex never came back & the text was from 5000

Someone just called me twice in a row from this number, asking for very generic-sounding names.  When I explained that they had the wrong number, he asked if I had any friends or family with those names.  The second time he called I asked what his name was (I should have written it down, but it was also generic-sounding)

This nyumber has been calling my house every once in a while for months... and today, they got frisky, and call 5 times in a row. I've never before answered the number, but I got fed up and answered about 2 minutes ago. They asked for me (which I said I was out of town) and the lady on the other end said they couldn't wait for Me to get home. I said too bad, and then she hung up.

please do not call this number back..my sister looked it up online and it is a scam, the only reason she looked it up is because i had a debt with a credit card but after i had a payment program set with a law office these people started calling me...i answered the phone and they would not let me hang up until i gave them my bank information, I told them unfortunately i would have to CALL my bank to find out what i have in my account and they got really frustrated with me...they gave me to a supervisor...and i didn't even ask for one so that was a red flag....he was trying to reduce my bill but he didn't even know how long i had the credit card for..he said if i paid him 225.00 today that he would drop the rest of my bill to alot less...he didn't know the total payment of my bill or how long i had the card. I told him i would call him back in 10 mins to get my account information...and he wouldn't have it ...he want my money then and now.......DO NOT GIVE THIS PERSON ANY INFORMATION!!!!   MY REAL BANK SAYS SO!!!!!

I've received several calls from this number and I know it's in reference to a debt.  I'm just curious as to why they are still calling me when I have filed bankruptcy.

I answered, and the rep was very nice.  However, first she said she was calling about my Sears card.  I explained that I hadn't owned a Sears card since I was 18 (my first credit card, closed years ago).  She apologized and asked if I had a Credit One card, which I do and have fallen behind on payments of because of financial issues.  She asked if I was able to make a payment, and I explained that right now, I'm barely scraping enough together to pay my rent and utilities.  She said she would note my account with that and thanked me.  If that was a collection call, it was the most stress-free and pleasant one I've ever received...so what's the catch?  Not to mention, isn't it illegal for a company to mask it's identity with a false Caller ID number?  Doesn't take a genius to know that there is no phone number that's all zeros.

I have also recieved multiple calls from this number over the past year to ym cell and also my fathers home.  I have been making payments to them for the past year.  They have always seemed a lil fishy, rude, ask me to lie if i dont have a check book, begging me to find ways to pay them more. I have been contacted by many different people friom the number, usually the same person till they cantget ahold of me for a month or so then i get calls from a new person.  Also fishy.  Im not sure what to do.  If i should continus paying them on faith that im covering an old debt or stop assuming that there jsut taking my money.

Yeah, same story here...500-000-0000 called me and said that his name was Guy...he was the arbitrator for B of A and my legal matters were in his office and I needed to call him back before he made a decision on my account and would sent it to the Clerks office...I called, because I have done my homework, to see what kind of BS he might throw at me.  I owe $2400, but they will settle for $1200...I just suggest to get their full name, and what they say they are, because calls are recorded.  If they lie, it's on record.  And, don't agree to anything!  If you can't pay, go in front of a judge to explain your reason why...you will have better luck their than dealing with these jerks!

Hi All,

I am currently going through the same thing myself. I just received my first call from 500-000-0000. Because of disability I to have fallen short on my B of A credit cards.  
I would like to give you some helpful suggestions with this “Louie the Loan Shark” type of debt collection.  First off Creditors Interchange is merely a third party collection agency, that’s it.  They are fully governed by the FDCA, regardless of anything they say or do!  Remember that!

In most states law allows a five years period for collections.  They are not allowed to collect on dept over five years or report to the credit bureaus.

Did you know that in your original credit card contract with B of A that you agreed to arbitration instead of a lawsuit?  This prevents “Class Action Lawsuits” against B of A which could cost them a lot of money.

IMPORTANT INFO IF THEY CALL YOU: At the beginning of the call tell them that you will be recording the call. If you really don’t want to talk to them this is a fast way to stop them dead in their tracks.  They will not proceed with the call.

1. They can only call between the hours of 8:00 am up to 9:00 pm M – F from 8 – 5 Saturday and from 8:00 to 12:00 noon on Sunday in Florida. Not sure about weekends on other states. Calls made to you beyond these times are a violation of the FDCA.

2.  If they are calling a family member, co-worker, parent or sibling about your where a bouts they must identify themselves by name.  They cannot state that a debt is owed.  Where they get you is that they are only allowed to communicate with you once. Unless they reasonably believe that earlier response by you was erroneous or incomplete. But remember that you can request that they not call you and that your number be placed on a do not call list.

3. They are not allowed to harass you AT ALL!  No name calling, fowl language etc! They are allowed to call anyone whom you listed as a reference.  If that person does not want to speak with them they can request that their number be placed on a “Do Not Call” list. The company must comply.  If they do they are in violation of the FDCA.

4. They cannot threaten anyone at anytime.  If they do they are violating the FDCA.

5. You must tell them that they are not allowed to call you at work. If you specifically tell them that you are not allowed to receive calls at work and that their calls could jeopardize your employment, they must stop calling you at work.  If they don’t they violate the FDCA.

6. If a consumer notifies a debt collector in writing that the consumer refuses to pay a
debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with
respect to such debt.  Send your letter registered return receipt requested.  I have provided the addresses through the link below.

7. Here is a list of the Harassment and Abuse violations.

(a) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

(b) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

(c) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section
603(f) or 604(3) of this Act.

(d) The advertisement for sale of any debt to coerce payment  of the debt.

(e) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the
called number.

(f) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller’s identity.

Please read section “807” of the FDCPA. It’s a very important section about false or misleading representations. Most of the stuff that I read in the other threads have been a total violation of the FDCPA.

Here is their main website.http://www.creditorsinterchange.com/

Here is a listing of their addresses. However send all correspondence to their corporate office.  http://www.creditorsinterchange.com/creditors_home/contact.htm

Here is the website for the “Fair Debt Collection Practices Act”.
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
Please download and read this document. It will help you considerably!

Creditors Interchange
Corporate Office:
80 Holtz Drive,
Cheektowaga, New York 14225

Finally CALL A LAWYER! Did you know that it’s a $10,000.00 fine for each violation that they commit.  There are many collection abuse attorneys out there!

Hope this helps you guys!
RF.

Please read my letter above!
Also, before I forget. If you are unable to pay them, DON’T PAY ANYTING AT ALL! As soon as you make any arrangements with them you have just re-committed to another contract.  It kind-of restarts the debt.  Remember that your original creditor has hired them to collect the debt.  They are paid a strong commission for collecting what ever they can from you.  By the time the your credit card account reaches these people by law your credit card company has most likely “written off as bad debt” your account.  I would find it hard to believe if your credit card company would even receive any money that you sent in to the collection agency.  So, unless you can really afford a hefty monthly payment or to pay the debt off then don’t send anything at all.  

As far as your credit report goes. I believe that a third party credit company can not even report to your credit unless you make payment arrangements with them and then stop making payments.  Also remember it is against the law for them to represent themselves as a lawyer, state representative, government representative, or any badged office of the court or judicial system.  

Best Of Luck -- Remember document it, record it if you can and get a lawyer!

Please read above.

Remember, to make a recorded call legal, both parties must agree to it.
Go to this website if you have questions about recordings.
http://www.callcorder.com/phone-recording-law-america.htm

Document each call!