(800) 214-7862

I received a call from an unknown # on my cell phone. Voice mail was left from Toni Warren saying a suite was being filed on me in 2 days for $ I owed on an old account that was just about to reach the statue of limitations, to call her back @ I 800-214-7862, that this is a very serious matter, etc. and said what my case # was. I called her back. She was VERY rude!! Couldn't tell me if it was an old credit card or what just the original creditor was MBNA Consumer Finance. She put me on hold to go ask the attorney if accepting $3,000 would be okay but never said what attorney or collection agency she was with. Wouldn't let me call her back after lunch, said that moment was the only offer and chance to settle for that amount. If I didn't do it right then suit would be filed, with court costs and interest on the original credit amount of $2500, it would end up costing me about $10k. So I agreed and give her my bank routing & cking acct #. I s****ed to worry about being scammed b/c I just bought a home in February and my credit was cked and credit report gone thru with a fine tooth comb, twice! It wasn't on there.Toni said it didn't show up cause it was already being prepared to file suit. I went to the bank, explained what was going on, they immediately froze my accounts and a week later I went back and they suggested I close that account and open a new one. The bank researched all the info I had and couldn't say for sure if it was a scam or not but leaning more towards a yes. The day I give Toni my info she said I'd get an email from ***ndy Smith stating our agreement. I did. It was attached as a picture file and the top of it said it was from Commercial Recovery Systems but the bottom says it was from Pinnacle Credit Service & a Marc Clark signed it. Nothing completely adds up I get an Urgent Communication letter from Commercial Recovery Systems (Toni Warren & her #) REMINDING ME of my telephone ck deposit, date, & amount. The bank told me they tried to pull the $ but because of the freeze on my accounts it was not allowed to go through. I have not gotten any more calls from her and have not had a visit from from the sheriff's office delivering me papers of a suit. So.....I am still unsure. Guess it is still to be determined.