Arrow Consulting

Victim Location 32810

Type of a scam Debt Collections

I was called and was left a voicemail from phone number: 252-284-4526, stating: "To whom it may concern: I’m calling from S and D Document Processing. This phone call is regarding a summons that is scheduled to be delivered by our company to either your home or place of employment. We will only make two attempts to get in contact with you at which point it will be classified as a failure to serve. Should you have any questions or concerns, you may contact the issuing office at 951-324-9995. I will place a temporary hold on the service to provide you the opportunity to contact the issuing office and again that number is 951-324-9995. Thank you."

When I called that number, I spoke to a man who identified himself as, Joe Jackson. He informed me that my husband had a debt in the amount of $989.28 including late fees with Verizon for a land line number in New York. My husband did not have a land line number in New York nor does he ever remember having an account with Verizon. When I informed Joe of this, he put me on a brief hold (less than a minute), to speak to his supervisors to see if he could reduce the rate owed back to the original amount owed. When he came back on the line, (less than a minute later), he stated we had two options. We could reduce the amount owed by 20% for a total of $792 and change and make 6 monthly payments in the amount of $131.90 each month and they would notify each of the 3 credit agencies that the account has been paid in full. The other option was to pay the amount owed of $374.98 within 24 hours (he would then inform the 3 credit agencies that the account was paid in full), or run the risk of the process server sending out the summons which would require my husband to appear in court. In addition, if we went to court, we would be responsible for the full amount of $989.28 plus court, attorney and legal fees attached to the court case regarding the debt. If we chose not to pay at that point, money could be held out of tax return money among other options.

When I indicated that I would have to speak to my husband, Joe Jackson informed me that if we didn’t get back to him right away, that we ran the risk of this proceeding to court and that if the summons went out, we were all forced to go to court. Joe Jackson informed me that the last activity on this account occurred in 2008 when I asked for more information about the account. He couldn’t confirm the address of the location of the land line but we only lived at one place in NY and again, my husband never had a land line.

When I researched the statute of limitations, it was only 6 years in NY for any debt. Joe Jackson informed me that the last activity occurred in 2008 so we are well past the point where we can be sued. We were informed to contact Joe Jackson at 951-412-5033 within 24 hours. I never admitted that my husband owed anything nor did my husband speak to Joe Jackson (or any other representative from Arrow Consulting). Further, I checked my husband’s credit report and Verizon isn’t listed nor is Arrow Consulting. We have not received any information via mail or any other form of communication despite Joe Jackson informing us that letters had been sent to our current address.

Victim Location 98208

Type of a scam Debt Collections

Received the voicemail message for which I attached the transcription below. My phone indicated “A Scam Likely” so I called back the phone number displayed on my phone, which is 917-313-4000. I got a message indicating the phone number was disconnected.

I called the number left in the message as a call back number, which is 951-530-1181. I spoke to 2 different individuals. They had the last 4 digits of my social security number. One indicated that T Mobil had turned over an account to collections which has supposedly been due since 2012. They said I had a balance due of $1,075.19.

I asked them to provide an account number or the alleged phone number and she said she would not provide us any information that we might use to fight their case. She claimed they have adequate documentation to prove their case.

I was with Verizon at the time in question, so I knew the call was likely a scam. I do have T Mobil now; my account was established in 2015.