this company is a fraud do not pay them..........SCAM""""""""""

I got a call from this number multiple times.  I asked them to send me a letter proving this so-called debt.  Here is what they sent me:


Phone: (770) 872-7595
Fax: (877) 251-0077
Email:    info.ifg@mail.com
August 7, 2014
VIA CERTIFIED MAIL

Re: Validation of Debt
Amount Owing:  $778.35

Dear XXX:  
This office has been retained by QC HOLDINGS, to collect the outstanding obligation owed by you in the amount of $778.35.    This communication is an attempt to collect a debt, any information obtained will be used for that purpose.If arrangements for the prompt payment of this debt are not made within (24) hours from the date of this letter, we will recommend to our client pursue any recommended actions against you.Your original account information with our client is as follows:
Case Number      PD-xxx
Original Lender    QC HOLDINGS
Loan Acct #          xxx-xxxxxxxx
Date Opened        9/8/2008
Date Closed         11/17/2008
Bank Acct#           100xxxxxxx
SSN number         xxx-xx-xxxx
Amount Owed      $778.35
Original Bal          $503.35
Settlement           $419.02

If you have any questions concerning this matter, please contact your representative.


Respectfully Submitted,

Lauren Baile

I asked her to get me the ORIGINAL letter from QC to prove this as I did not have this on my credit report - which I run yearly and have done for the past 15 years.  She got very angry at me and told me I would be served and they would come to my place of business and arrest me.  I hung up on her.  They called me a couple days later and we went through the same process...I asked for proof, they said they would come after me, I hung up.  This went on for two weeks.  They finally stopped calling me, but just recently another number has been calling me and telling me I have been "notified" and to make a statement about a case?? 202-759-0813 is the latest number.

Check the statute of limitations on suing to collect a debt in your state, it may very well be past that date.  Also, their threat to have you arrested is a clear violation of the Fair Debt Collection Practices act and you can sue them for more than they claim you owe QC Holdings.  Another violation is their failure to tell you that you have 30 days to dispute the debt in writing.  They have also failed to provide all of the information required of a Debt Validation Notice according to 15 USC 1692g.  You should make written notes of dates, times, names of persons spoken to, number that called you and contents of the conversations, particularly the threats of arrest. Contact a local consumer attorney that specializes in this area of law. Most will offer a free consultation and if you have a case, take it on contingency.  From what you have reported, you can successfully sue this collection agency for several FDCPA violations. If this is actually a old debt you do owe, make sure you have all of the original documents and bank statements to support your version of the situation.

This company goes by either  MCI or Integrated Financial Group.  A history of debt scamming on 800notes.     See  770-872-7596.  The principal behind these groups appears to be a man by the name of Clinton C. Griffon who  works  out of Georgia.

I received the same letter from Lauren Bailey.  The issue with me is that the debt they are trying to collect, I paid for. I sent them the paid in full letter and the calls stopped for about two months and they started coming again as of three weeks ago. It is so frustrating dealing with them and having to explain myself a different representative every time they call.  Not to mention all the threats of "legal" action

After I tell them that I sent them the paid in full letter they transfer me to a Tony Mitchell, he then proceeds to tell me, they conducted their own background investigation and the company I paid the debt to was not an approved vendor.  it's ridiculous... I called the company I paid the debt too, they stated they are a legitimate company and the debt has been paid for and to ignore they're calls.

Is it worth pursuing a company that is nothing but a scam??  I have everything documented with dates, times and people I spoke with. Also with treating VM's