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Marval and Associates / Illegal Threatening and Harassment

1 United States Review updated:

Okay, so here's the deal. These people tried calling me as well, singing the same song to me about warrants for my arrest, sheriff's on their way to my office to arrest me, class C felony charges, theft by deceit, you name it. So, I listened. And let them talk all the trash they wanted, because I was recording the whole conversation. After they were through with their barrage of threats, I kindly told them I wasn't the person they were looking for and that they had obviously made a mistake. Like all the other people on here noted, that just pissed him off even further, causing even more colorful words and insults to fly.

The great part is, I have family in all facets of litigation - from Justices to Lieutenants to Assistant D.A.'s and even some extremely successful attorneys - not only in the city I reside but other much larger cities as well. I also know my rights as a citizen, and have made quite a few phone calls to investigate this situation as far as possible. Hence the name, 2 Steps Ahead.

Here are my discoveries: I played this recording to anyone in law enforcement that I know personally and who would listen. Most thought it was a riot, but some also felt offended at the choice of tactics and words that were used. There is something called the Fair Debt Collection Practices Act (http://www.ftc.gov/os/statutes/fdcpajump.shtm), in which they refer to these types of tactics. Ladies and gentleman, THEY ARE ALL ILLEGAL. Also, there is NO SUCH THING as a CLASS C FELONY!!! There is a Class C Misdemeanor for which a collection agency of ANY kind cannot file as it is completely beyond their jurisdiction and would cost WAY too much money to do so, even IF they could. Furthermore, THERE IS NO SUCH CHARGE as "THEFT BY DECEIT"!!! I was almost laughed out of the police station with that one. Yes, I did say POLICE STATION. Because my facts are backed up by REAL, MULTIPLE LAW ENFORCEMENT AGENCIES who will hear nothing of this recording, and I have attorneys foaming at the mouth to start a class action lawsuit based entirely off the ONE recorded conversation I was able to capture. There is also something that many of you have referred to, which is filing a complaint with the FTC (https://www.ftccomplaintassistant.gov/). If enough people do this, with the economy the way it is, they will be out of business in no time from federal fines. It literally takes 10 minutes - I did it.

Any business that has a broken down, pitiful website such as Marval and Associates, and then doesn't have a physical address listed anywhere is definitely a company to be questioned. To compound the situation further, ANY LEGITIMATE COMPANY has a listing or record on the Better Business Bureau National Website (http://www.bbb.org/us/Find-Business-Reviews/). There is NOTHING listed for Marval and Associates.

If this doesn't answer your questions about the tactics you are experiencing, then I really don't know what else to tell you. The only thing I WILL waste my time on is a class action lawsuit against these guys - Anyone interested??

More Marval and Associates Complaints & Reviews

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Comments

  • Ki
      7th of Jul, 2009
    0 Votes

    Let me know! I'm in! And I also have recorded voicemails with threats from an "inspector" and how I'm going to jail...all of thes threats are illegal per the FDCPA. I am very well versed in the laws of the FDCPA, being a collector myself. No one has to stand for this kind of treatment! When I called the 800 number back, after telling the rep he was lying to me and breaking the law, he continued to yell at me, and hung up on me repeatedly.

  • Jj
      10th of Jul, 2009
    0 Votes

    Received a phone call today from Marvel and Associates regarding a friends account who listed me as a reference. They threatened to supoena me to court because I am a reference on the account and they are sueing her from theft by deceit. I told them that wa s not legal and as a reference I had no liability or knowledge of the suit. I did not sign or co-sign anything and this friend has made no major purchases and does not have access to any one elses credit cards or accounts. I explained to them they probably have the wrong person and was called a big mouth and hung up on by Richard Collins who claims to be the head of investigations. The phone number that called me was 716-923-7408. I read your email and complained to ftc complaint assistant as well. Even though this is not my sebt, I found it appalling that they were so rude and it didn't sound legitimate or legal to me.

  • 2l
      14th of Jul, 2009
    0 Votes

    I wish I would have read this before I gave them my debit card info. Well, I will know tomorrow if they only took what they were supposed to, which is 3x the amount of the original loan.

  • It
      14th of Jul, 2009
    0 Votes

    I also received the same threatening call! I am relieve after I read this since I have not been able to be at ease for quite some time. Please inform me if any group law suit against them! I did a payment and never received a confirmation! I got a call back from an inspector saying my remaining balance had gone up 100 dollars since I had a broken promise! with the current economy I cannot make payments, how can I make sure they will not proceed against me? They also said they had sent a sheriff to my job to service me with a subpoena! how can I get rid of them? How do I make sure they haven't filed anything against me?

  • Th
      20th of Jul, 2009
    0 Votes

    Im ready for a class action. They threatened me the same way for a debt I know nothing about. Now they are trying to get information from my employer.
    Lets sue I'm ready. I filed a complaint with the FTC as well.

  • Ma
      20th of Jul, 2009
    0 Votes

    I received these same threatening messages. I even returned their call and asked for an address of where to send the payment and the girl was very rude to me and told me it didnt matter because I was too late, it was already sent to my county's office to go to court. Then two weeks later I got a call from the same lady that has been calling me...Miss Hamilton, and she said she still had my file because I promised to pay. She said it was very important that I called her immediately. I was online checking the white pages and did reverse lookup on the two numbers I have (877)252-0491 and (716)923-7408 and neither one showed up anywhere. That is when google helped me and led me to this site. I am really glad I found this and will also be filing a complaint.

  • Jm
      22nd of Jul, 2009
    0 Votes

    I'm all in a lawsuit. I received the same call. I asked if they have a license to conduct business to Alaska Resident. The lady Isabel stated she did, I asked for it, she didn't answer. So I requested the business license again, she got irate and wanted to know why. I stated - because what she was doing is an illegal transaction. Marval Associates contaced me to retrieve money owed to CashNetUSA. Before I called Marvel Associates back I contaced CashNetUSA. I spoke with Jasmine in the Complaint/Fraud Dept, she stated that my account has been paid in full back in 2005...so why are these folks from Mavel Associates contacting me??? Because they are FAKE!!! Jasmine explained to not get caught up in their lies, what they are doing is FRAUD.

    I spoke with the State of Alaska Investigator in Banking & Securities and she stated that this company any many others are doing what is called a "scare tactic" to not fall for it. I have filed a complaint w/ my state, CashNetUSA and also to FTC.

  • Su
      24th of Jul, 2009
    0 Votes

    i agree with what everone is saying they did the samething to me as well i filed with the ftc and they gave me a ref number so you can count me in on the class action law suite as well

  • Sm
      31st of Jul, 2009
    0 Votes

    I am in. I just gave them a payment today, after the threats and the call to my place of employment (very threatening and disclosing illegal info to my employer).

  • Te
      2nd of Aug, 2009
    0 Votes

    Let's make that Agree wholeheartedly! Count me in as well!

  • Te
      3rd of Aug, 2009
    0 Votes

    Ok 2! I was also directed to file a complaint with the Missouri Attorney General's office by the Kansas City Sheriff whom I got in touch with on Sunday on these people's calls to my home in Pocatello for a Midland Financial. I also directed the BBB handling that in Kansas City to add in that I had sent a money-order for the amount of the pay-day loan, and its return charge only, and gave them the receipt numbers, as well a the express envelope number so that they may add that in properly. This was also dispite their telling me they wanted extra, and trying to extort that out of me. I checked the Express mail tracker USPS has today, and so far, the notice is still sitting in Midland's box, and whether it was at the bidding of Marvel if they found out, or what- they have ignored their pay! Like I say- count me in as well! I've had to file charges with the Idaho BBB, the Attorney General of Idaho, the state department of finance, and now the above- They need to be closed down, and so does Midland Financial LLC- AKA- Midland Marketing!

  • Te
      3rd of Aug, 2009
    0 Votes

    Also- for some reason or rather when I sent that, the attitude was "neutral, " althuogh it could have went there by default before I got it changed. It has been switched back to "Agree, " which is my wholehearted status!

  • Go
      14th of Aug, 2009
    0 Votes

    I am all in for a class action suit. I also have rec'd the same calls and I have them recorded, they even went into great detail with a reference and left a voice mail on a generic voice mail at my office with all sorts of details. When I called and told them I was filing a complaint I was told "Go ahead, I am filing a fraud case against you and a Theft By Deceit", and then hung up on. I have filed a complaint with my AG office and the FTC. Let me know where I am in for the law suit.

  • Rg
      25th of Aug, 2009
    0 Votes

    I am in also Marvel and Associates contacted me advising me that if I dont make my 790.00 then they would pull my information from my county, so I went ahead and paid it through my checking account, but they told me the same thing, they told everyone else that I was going to have a warrant for my arrest and that I was going to have large legal fees etc.. so I will file and complaint against this company also..and I still dont know what company I paid them for ive tried calling them but no answer

  • Co
      30th of Aug, 2009
    0 Votes

    For the past two weeks they have called and hurassed both my mother and myself about A payday loan that I took out four months ago. They threaten me with a 5000 dollar fine along with uto 5 years om jail for a 200 loan. I requested documents proving who they were, and they refused to provide it. good for you with the class action low suit.

  • Ms
      31st of Aug, 2009
    0 Votes

    just received a call from these people, first Mr. Santorini, some woman, and then Mr. Collins. Very nasty, unprofessional people who, when asked if they had a license, they said they do, they sit and drink coffee and eat donuts. Now how's that for professionalism! Anyway I received the same threats with respect to warrants, theft by decit, sheriff's department on it's way. They have called my priot job and apparently gave them some big story about me. I do have an outstanding debt with a payday loan company but it is just puzzling to me why the payday loan company would turn the account over to a bunch of nuts. I am contacting this payday loan company and telling them that I will not do any business with these nuts and if they want their money, I must deal with them directly, not this fake wannabe collection agency with their nasty scare tactics. I am also filing a complaint against these people with the BBB, FTC and others. I would also like to join the class action complaint against these people and PUT THEM OUT OF BUSINESS FOR GOOD.

  • Co
      10th of Sep, 2009
    0 Votes

    i AGREE ! I HAVE BEEN GETTING PHONE CALLS SINCE THE END OF AUG. iT WAS ANTONIO DEMENGUEZ FROM MARVAL AND ASSOSICATES SAYINT THAT I OWED THEM 1700 FOR TWO PAYDAY LOANS THAT ONLY EQUAL 400 DOLLARS... NOW I GOT A CALL FROM ONE OF THE SO CALLED INVESTAGATORS SAME THAT SHE WAS GOING TO SEND MY CASE TO TARRANT COUNTY DISTIRCT ATTRONEY IF I DIDNT GET BACK WITH HER BY THE END OF BUSINESS DAY. THEN KEEP GETTING CALLS FROM THE FIRST PERSON THAT CALLED ME. THEN THE INVESTIGATOR CALLED ME BACK TODAY AND LEFT A VOICEMAIL SAYING THAT TARRANT COUNTY WAS ON THE LINE BUT NOBODY PRESENTED THERE NAME FROM MY COUNTY.. SHE SAID THAT I MUST GET BACK WITH HER BY THE END OF BUSINESS DAY BUT WHEN SHE CALLED IT WAS ALREADY 5:30 MY TIME WHICH IS CENTRAL AND I WAS TOLD THEY CLOSED AT 6 EST. SO HOW WAS I SUPPOSED TO CALL BACK. i DONT KNOW WHAT TO DO BECAUSE I HAVE THREE KIDS AND I AM NOT WORKING RIGHT NOW. bECAUSE I WAS ON ANOTHER WEBSITE AND SOME PEOPLE SAID THAT THEY DID END UP GOING TO COURT. BUT IN TEXAS I READ IT IS ONLY A CIVIL SUIT FOR PAYDAY LOANS... I WANT TO FILE A COMPLAINT BUT I DONT KNOW HOW OR WHAT TO DO.

  • Co
      10th of Sep, 2009
    0 Votes

    I also asked for them to send me documents and they refused . i also told them that i had not received anything from the payday company named JD marketing... I still have not received anything in the mail. These people need to be shut down...

  • Uh
      14th of Sep, 2009
    0 Votes

    Help! They called me and stated that tomorrow morning, if I didnt pay by the end of business today, she would forward my info to the county sheriffs office and I would face 2 criminal and 1 civil charge. Yes, I have paid them some, and I also have had a broken promise. I know this. I hit a rought spot - its my own fault, I do know this. I wanted to make smaller payments until I got back on my feet and they want the full $410 today. Well i dont have that...so anyone know what I can expect?

  • An
      23rd of Sep, 2009
    0 Votes

    I am also in this awful bind. I have been harrassed for weeks and threatened that I will go to jail. That my liscense and registration will be suspended until I pay the loan back in full. They are wanting me to pay over a thousand when the two original loans for for 400. I have hit a rough spot between two rocks and the economy is not helping, my work hours have been cut and I am unable to pay back at this moment. Can someone please tell me what to expect, can you really go to jail? Desperately seeking advise. email: andietx22@sbcglobal.net

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