Complaint Review: PTI Services

I was contacted on 8/4/2014 by the phone number (((REDACTED))) and since I didn't recognise the phone number, I let it go to voicemail.  A person going by the name of Johnathan Baker left me a message claiming that he was with a company named PTI Services and that a case had been submitted against me and that he needed to speak with either me or my attorney immediately, but he did not ask for anyone by name nor did he give any account numbers or case numbers to reference.  I did call back on Friday, 8/8/2014, when I was availible to do so, but the office was already closed and so I just left a message stating that Johnathan Baker had left a message on my phone and that I wasn't going to give my name since he didn't reference any specific person in the message and that they could look everything up by my phone number because he also did not give me an account number or case number to reference when returning his call, so he needed to call me back and explain what his call was concerning.  On Monday, 8/11/2014, I called again in the morning since I had yet to hear back from Johnathan Baker.  A person going by the name of Amber Goodman answered the phone and upon my asking to speak to Johnathan Baker, she came back and without me giving her any information about myself at all, she knew exactly my name, my previous address, and the last 4 digits of my bank account number as well as the name of my bank.  She informed me that in February 2012 I had received a loan from Advance America that had defaulted and that they had not yet filed a case against me, but that they were about to if they had not heard back from me.  When I explained to her that we (my husband and I) do not qualify for payday loans because of his active duty military status and her paperwork must be an error, she got mad and insisted that I was being uncooperative with her. So I proceeded to ask her if she could send me the informatioin proving that the debt was owed and she informed me that she would have to get her client to do so and that they would probably not be willing to resend any information because they had previously sent out several documents that had gone unanswered.  With that, I informed her that I did know my rights and that I was not sending her anything until she could prove to me that there was a debt owed and she again yelled at me for being uncooperative and told me that I could just go fight this in court in California with Advance America then and I informed her again that I know my rights and I have to be personally served with paperwork at my current address before any court proceedings can be filed and that if any court proceedings were filed under a wrong address that I could easily fight it from the state that I currently reside in and not have to go to California for that at all because of me being protected under federal laws with my husband being active duty military and with that I ended the call with have a nice day.  I called back several minutes later and decided to ask her for more information about her company.  Amber Goodman claimed the company was Anderson and Baker Mediation and she gave me a street address for Grand Prairie, Texas.  When I asked why the address was in Texas when she was calling me on a line from Ohio, she again got very aggrivated with me and insisted that is was becuase of the manner of my case so that I was having to go through the corporate office because of the logistics of it all.  I asked her again when the supposed debt took place and she changed the date from February to November of 2012.  She also was very aggitated about me asking why Johnathan Baker had informed me that the company was PTI Services, which she stated stands for "pre-trial serives" which she then explained is the department that I am supposed to be working with.  I again asked her if her company was supposed to be mediating the debt and she got irritated at my constant asking of questions and said yes we are, so you have a nice day and hung up on me.  I know first hand that mediators do not collect debt because I am studying mediation now and have nearly completed my course.  Mediators also do not serve as collection agencies because it is a conflict of interest.  I also know that with us being a military family, we could never have gotten a loan from this payday loan company because of federal mandated laws and interest rates being too high.  We have to go through "military friendly" lenders that are not payday loan lenders to get loans.  The information about me was probably obtained through phishing because I did apply for a couple different loans in October 2012, none of which were payday loan lenders but unfortunately when you fill out applications online, you never know who will get your information.  Please be careful out there.  I have reported this scam to Advance America, the FBI fraud division in Richmond, Virginia, and also my loacal police department.  I am putting alerts on my credit reports and bank accounts so that further actions can not be taken by these people to harass me or my family.