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TCF & Associates, LLC

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TCF & Associates, LLC Reports & Reviews (1)

- Moorefield, WV, USA

I was contacted by someone claiming they tried to deliver me a letter but I wasn't home and they said they wanted to come out that day for delivery. I was leaving for the day so I asked what it was for and they told me to call 877-634-9662 and gave me a DA number. I called and they had some of my personal information so I though they were legit. They told me I was being sued for an old credit card debt and that I needed to settle the account that day or I would be taken to court and a judgment issued against me. Stupidly, I settled the account and then did some research and this place doesn't exist and neither does my old debt (it was too old to collect on). During my research for this company, I found several names and addresses they go by. The one that was on the electronic form they sent me goes to a private mailbox rental (40485 Hot Springs Road Ste 395). The address that was on my back account withdraw for the payment goes to a business registered as TCF & Associates, LLC, Registered on 6/19/15 and is a foreign entity with jurisdiction in Nevada and is a corporation service company that will do business in CA as CSC Lawyers Incorporating Services (C1592199) with an address of 39252 Winchester Rd Ste 107-231, Murrieta CA. This place has three addresses that I could find but who knows how many more they have. That Winchester Rd address wasn't the one where my money went but this place is one and the same. My money went to TCF at 38625 Calistoga Dr. Maybe that's a bank. I don't know. I also checked into the name of the delivery service where that very first call came from (Nationwide Document Delivery Service) and when you call that number all you get is a bunch of pre-recorded messages trying to see you cell phone services, satellite dishes, dating sites, sweepstakes stuff, etc....

If I hadn't been in such a hurry to settle what I thought was my debt I would have had time to research all this before paying up. Luckily, on the advice of my State Attorney General's office, I was able to get the charges reversed. I realized about halfway through the transaction that this was a scam but was threatened with breach of contract charges if I backed out. The lawyer at the State Attorney General's office said those scare tactics are common and to go to the bank anyway to file the reverse of charges. He also advised me to discontinue any contact with this company and to file a fraud alert with Equifax.

The lady at the bank told me that usually what happens is that these scammers search public records to see who is actively paying off old debt and then they somehow get their hands on a credit report or just find collection accounts for individual by searching old records. They look for people who are obviously trying to repair their credit and then prey on them in hopes that they will scare them enough to make them pay up to avoid something new appearing on their credit report (like a judgment). They insist it be taken care of the same day as the call or they threaten to sue and this scares people into paying. They debt the tried to "sue" me for was actually too old to collect on but they gave me different dates to make me think it was still valid. They also gave me four different amounts that I owed for this account (this was after I called back to try to validate the debt). The "staff" are extremely rude and if they were a real collection agency they would have violated several of the CFPB rules.

Hopefully by sharing my experience I can help prevent someone else from becoming a victim of these scammers.

Please remove my postal code from being published. I live in an extremely small rural area and would not like the scammers to be able to identify me. Thank you.

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