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Island National Group llc – Is it a legitimate company or a scam?

Date: Sun, 10/16/2005 - 22:38

Submitted by anonymous
on Sun, 10/16/2005 - 22:38

Posts: 202330 Credits: [Donate]

Total Replies: 97

Island National Group llc – Is it a legitimate company or a scam?


Has anyone heard of Island National Group LLC out of New York? I have been dealing with the same debt for the passed few years and send Money every month and it seems this debt has been in the hands of many different collector agencies.I can't figure out why it keeps changing hands. As far as this new agency ( Island National Group) I can't find any information on them! Any one herd of them?[color=blue][/color]


Noclue,

When you have been paying money to a certain collection agency, they are not required to pass it on to a different collection agency. You need to know where you have been paying all these times. Do you have the receipts of your payments made to the last collection agency. Contact them to give you the latest standing of your debt account and the balance left to pay it off.

Send a letter to Island National Group LLC at the following address and inform them that you will deal with the previous collection agency and pay the debt off.

Island National Group LLC 6851 Jericho Turnpike Ste 180 Syosset NY 11791- , (516) 682-4300


lrhall41

Submitted by ben on Mon, 10/17/2005 - 11:25

( Posts: 2034 | Credits: )


I received a statement also from Island national Group LLC and I think it is a scam of some sort. I do not owe anyone from a debt that is portayed as being from 1999.


lrhall41

Submitted by anonymous on Fri, 10/21/2005 - 14:45

( Posts: 202330 | Credits: )


Guest

I will request for debt validation especially when I do not owe to Island national Group LLC in anyway.

Most often, CA gets incorrect data and ends up contacting the wrong person. Contacting the person for once is allowed but after notifying their mistake, they should not contact further. If they do, they are violating the law.


lrhall41

Submitted by ben on Fri, 10/21/2005 - 15:11

( Posts: 2034 | Credits: )


I received a bill for a debt I supposedly did not pay back in 1996. I'm leery about whether this is valid. How can I find out whether I, in fact, I failed to repay the balance on that particular credit account? An even bigger issue, Is "Island National Group LLC" a legitimate company?


lrhall41

Submitted by anonymous on Thu, 11/10/2005 - 09:33

( Posts: 202330 | Credits: )


EChristinaC

Ask Island National Group LLC to provide you debt validation of this account. If it is a legitimate bill, then the accounts will be shown accurately with the calculation of interests and details of the original creditors.

Debt validation is a very important tool to know the details of your past debt. Please have a look at this article to learn more on it.

http://www.debtconsolidationcare.com/validation.html


lrhall41

Submitted by ben on Thu, 11/10/2005 - 11:02

( Posts: 2034 | Credits: )


[color=blue][/color] :P I have been sending a monthly Payment to Island National Group LLC every month and feel leery about it everytime! How do I write a validation letter so I know they are legit!


lrhall41

Submitted by anonymous on Tue, 11/22/2005 - 10:48

( Posts: 202330 | Credits: )


Ben,
The debt I have I have been paying on for sometime...It first was in the hands of RJM Acquisitions and is now in the hands of Island National Group LLC! This was originally a Fingerhut debt........nobody seems to be able to tell me what was purchased, when it was purchased or how much the purchase was! What do I do? I am afraid to stop paying! I don't want this to bite me in the butt in the long run if I stop paying? Any suggestions?


lrhall41

Submitted by anonymous on Tue, 11/22/2005 - 10:59

( Posts: 202330 | Credits: )


Hi NoClue

Welcome to the forums.

Have you kept the receipts of your payments made to the company in safe place? This is a proof that you have been paying towards the debt account. If they are not holding the account legally, you can file a case against them based on these receipts.

This is copy of a debt validation letter that you can send to the company. A genuine reply of this letter from the company will prove that your account is in proper place.

[quote]Date

Your Name

Name and Address
of original creditor

Re: Acct # 000-000-000-000

To Whom It May Concern:

This letter is regarding account # 000-000-000-000, which you claim I owe. This is not a refusal to pay, but a notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting "validation"; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

If you no longer own this debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of $5,000 in damages for:


  • Defamation
  • Negligent Enablement of Identity Fraud
  • Violation of the Fair Credit Reporting Act

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Best regards,

(insert your name)

Cc: (Insert a lawyer's name here), Esquire
[/quote]
It is your legal right to dispute any item on your credit report, for any reason. If documented proof that discredits your dispute isn't provided within 30 days, it MUST be removed by law. This is why it is so important to send the dispute form via certified mail. Not only to insure its delivery, but to have documented time of when it was sent.

Regards
Roxette


lrhall41

Submitted by roxette on Tue, 11/22/2005 - 11:02

( Posts: 4009 | Credits: )


Hi Wesley

You need to place this request to the company that has made the debit in your account.

What is the name of the company in your bank statement?

This is a debt consolidation care forum and not the company that you are actually pointing to.

Regards
Roxette


lrhall41

Submitted by roxette on Tue, 12/06/2005 - 12:22

( Posts: 4009 | Credits: )


I had been receiving notices from RJM acquisitions claiming I owed Fingerhut over $2000 since 1998. I asked Fingerhut to provide me with Proof of debt and a list of items purchased, where they were sent and copies of the signatures of who signed for them. I was told by Fingerhut that they had already given this account to third party collections and the didn't have those items anymore. I contacted RJM and asked for the same items and was told by RJM that, that's not how third party collections works and they don't have those item either. But they said that I have to provide proof that I didn't purchase or receive the items Fingerhut claimed I did. I disputed this through RJM Via certified mail. I never heard back from RJM and when I checked my credit report approx. 60 days later, the RJM account had been removed. About 3 weeks later I received a notice via email that there had been changes posted to my credit account. When I pulled my report, there was now a collection account from Island National Group LLC for the same Fingerhut account that I just disputed with RJM. After some checking, I am finding out that RJM and Island National Group have ties. Island National Group is now telling me that I need to redo the whole dispute process again. Does anyone know if RJM and Island National Group LLC are owned by the same company and if so what can I do about it.

Thank you,
Ken


lrhall41

Submitted by anonymous on Sun, 12/18/2005 - 19:55

( Posts: 202330 | Credits: )


Ken,
You are not yht only one who is dealing with this!! I am in the exact situation. First Fingerhut then Rjm now Island national group.....i am at my wits end and don't know what to do!


lrhall41

Submitted by anonymous on Sun, 12/18/2005 - 23:06

( Posts: 202330 | Credits: )


Island National Group is a legitimate comapny. They helped he me settle a debt incurred by exwife before we were divorced. They also had it removed from crdt rpt and gave me a letter for my records. There reps were friendly and listened to me. At first I had no idea about the account until I saw it on my Credit Report. I recommend calling them and discussing the matter.


lrhall41

Submitted by anonymous on Mon, 12/19/2005 - 12:19

( Posts: 202330 | Credits: )


A validation letter is a simple form letter. It contains untruths, misapplications of law and gibberish. It is also obvious that the contents of the letter were copied from another source. There is no such "30 Day" time limitation in any federal law.


lrhall41

Submitted by anonymous on Mon, 12/19/2005 - 12:38

( Posts: 202330 | Credits: )


DC,

Come out from the world you are living in and get proper education before opening your mouth. Please check what is written here ???
http://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#809

Also there is nothing wrong in following a specific format of letter. If you go to a lawyer, he will also be using template of letter.


lrhall41

Submitted by anonymous on Mon, 12/19/2005 - 13:10

( Posts: 202330 | Credits: )


Ken

I will also suggest the same thing to you like debt free said. You had been successful with RJM in getting the item removed from your file. If Island National Group does not have any proof about this debt account, they will have to remove it from the file. Otherwise, it will result in violation of the fdcpa law.

Talk to Island National Group and request for the complete details of the accounts if they have. I am sure it will be taken care in the proper way.


lrhall41

Submitted by ben on Mon, 12/19/2005 - 13:25

( Posts: 2034 | Credits: )


Discovered I had two blemishes on my credit report. One from Fingerhut for $386 posted 12/1/99. Another from Island National for $512 posted August 2005. I thought someone had stolen my identity till I accidentally came accross this site. Looks like Island National is giving us the Finger. We don't do treat people like this down in Louisiana, and we've got more lawyers than we do restruants. This is a scam and I've already contacted one of our finest, along with the state Attorney General. The FBI is next on my list. It may take a while, but revenge will be sweet.


lrhall41

Submitted by anonymous on Tue, 01/03/2006 - 22:05

( Posts: 202330 | Credits: )


Last Year the FTC fined RJM acquisitions for for trying to scam hundreds of people out of money. They say you owe them money on closed accounts that are either bogus or were purchased for a fraction of the original amount. Island Nation Group is RJM Acquisition. If this company contacts you, send them a cease contact letter. If they contact you again file a complaint with the FTC, Federal Trade Commission. You can do this online. I can't tell you what to do but I would think twice about paying these creeps anything. They can't do anything to you.If they threaten you in any way file a complaint. You will be surprised how fast they disappear. :wink:


lrhall41

Submitted by anonymous on Mon, 01/23/2006 - 16:32

( Posts: 202330 | Credits: )


My name is Samantha Brunner-Cummings Island National Group sent me a bill in the mail to collect a debt in reguards to fingerhut/Axsys ($116.29) I have never heard of fingerhut in my life up until now. Iam only 20 years old, my birthdate is 12/24/1985. The debt is reguarding the account opened December 12,2000 I was only 14 years old at that time. I believe someone used my social security number and my name. Now this debt is on my credit report and I don't appreciate it. I would like it to be off my credit report! I have proof of my age according to my driver's license, birth cirtificate, and social security card.


lrhall41

Submitted by anonymous on Tue, 01/24/2006 - 05:58

( Posts: 202330 | Credits: )


Samantha, you must take the following steps to fix up the problem:

File a complaint with the local police where this incidence took place. Explain them that you are unaware about this account and they are not yours.

Secondly, you have to dispute all the negative items that are appearing on your credit report with the CRAs. They will investigate the matter and notify your creditors. You can also take the initiative to contact the lenders for this purpose. Give them a copy of your affidavit filed with the local police.

A fraud alert can also be placed in your file with all the three credit reporting agencies. Give them proof of your age, address and other facts that prove that you are not responsible for this account.

It is likely that after the matter has been investigated, the disputed account will be removed from your file.


lrhall41

Submitted by john on Tue, 01/24/2006 - 13:01

( Posts: 1231 | Credits: )


Will I have dealt with them, I had two fingerhut accts. Both ended up with RJM and then ISland National. I paid the one off, got double credits for my payments. The other was sent to EMCC another wing of RJM. I know I owe these and the one wasnt on my credit but I just paid it. THey didnt take my money and after my last paymetn on the first acct, they sent me a fullfilled settlement letter. I knew I owed them and I paid em.

FBI? WTH.. dont yout hink they have BETTER Things to do then drop the kidnapping and other serious crimes to help you figure out why you may have stiffed Fingerhut?


lrhall41

Submitted by anonymous on Tue, 01/24/2006 - 20:31

( Posts: 202330 | Credits: )


Sully, the FBI would actually be a jurisdictional agency for criminam violations of the fdcpa and numerous interstate commerce law and regulations.


lrhall41

Submitted by jj on Wed, 01/25/2006 - 08:46

( Posts: 1057 | Credits: )


I recieved a letter saying I owed money to a Fingerhut but I paid them off over 5 years ago and now I recieved this from Island National Group LLC saying I owed 220.00 but My Credit report From Experian says I owe nothing and is all paid up
Scam or not I think scam


lrhall41

Submitted by anonymous on Mon, 02/06/2006 - 16:56

( Posts: 202330 | Credits: )


Ask the collection agency to validate the debt first and know if they are having any genuine details about your accounts. You must be having proof of your payments made to the previous company. So, you are definitely holding a stronger side here.

Keep copy of your credit report in safe place and monitor it very closely. The CA might try to hit your file and if it's done, it will be a fraudulent activity.


lrhall41

Submitted by john on Mon, 02/06/2006 - 17:00

( Posts: 1231 | Credits: )


necesito comunicarme con ustedes, favor llamar a mi celular al 787-298-6655 estare esperando llamada, gracias por su ayuda


lrhall41

Submitted by anonymous on Fri, 02/17/2006 - 08:21

( Posts: 202330 | Credits: )


I have been paying on an account for awhile now. Recently they stopped sending bills and I know that I owe $58. Can you help?


lrhall41

Submitted by anonymous on Fri, 02/17/2006 - 19:17

( Posts: 202330 | Credits: )


I receive a letter stating i owed 154.00. the account was in fact a fingerhut acct i had. it was then the passed on to collection to RJM and now to island national group. in my case the debt is valid.


lrhall41

Submitted by anonymous on Tue, 03/07/2006 - 09:40

( Posts: 202330 | Credits: )


JILLian,

If you are sure that the debt is valid, you can pay it back to the CA. However, make a written agreement before sending your payments and keep all the records of payments made to them.

P.S. the purpose of debt validation is not only confirming the debt amount, it also helps you to understand if the CA is licensed to do business in your state or not. Debt validation also indicates whether the CA is authorized to collect your account


lrhall41

Submitted by stanley on Tue, 03/07/2006 - 10:30

( Posts: 1639 | Credits: )


:o As a matter of fact I just sent them a check for an old debt with fingerhut. I am kind of leery myself but I guess I will have to wait and see if and when my check clears and if any changes are on my credit report. They(Island) sent me three options to pay off my debt and I had a deadline to send money to them. I chose one in hopes I can clear up my credit report. I can't find anything about them onthe BBB either. Is that normal. Fingerhut told me to call compucredit at first and all they had was a address and fax number. Compucredit told me that they had sold my account to RJM( I found them on the BBB) Then RJM told me that they sold my past due account to Island Group. If I understand correctly this is what theses creditors do with past due accounts. I had a old capitol one bill and at this time I am working with them but as soon as I made the first payment they issued a payment in full on my credit report. I am going to call Island group and see if they do the same. Lee Lee


lrhall41

Submitted by anonymous on Mon, 03/20/2006 - 12:46

( Posts: 202330 | Credits: )


Original Message: I received a statement also from Island national Group LLC and I think it is a scam of some sort. I do not owe anyone from a debt that is portayed as being from 1999.


They are not a scam. I am paying a debt from 2003 to them. However, if the debt is from 1999, I wouldn't bother since they are only allowed to report it on your credit for seven years. Before the end of the year, it should be removed from your credit (paid or not). God bless


lrhall41

Submitted by anonymous on Wed, 03/22/2006 - 13:02

( Posts: 202330 | Credits: )


My ex-husband of 10 years opened an account in my name and did not pay. It is currently on my report and the collections company refuses to remove it, even after disputing it and submitting a fraud affidavit. The credit bureaus continue to update it as accurate info. Any suggestions. Any hints on the best company to consolidate bills with?


lrhall41

Submitted by anonymous on Wed, 03/29/2006 - 16:55

( Posts: 202330 | Credits: )


I pulled my credit report and Island National is on there.... I've never heard of this company. I had a fingerhutt account many years ago and don't understand why or how Island National group got my name. Is there anyone out there who can help me?


lrhall41

Submitted by anonymous on Thu, 04/06/2006 - 18:10

( Posts: 202330 | Credits: )


Hi tillthengirl

Welcome to the forums.

It might be possible that Fingerhut had sold your account to Island National Group and they are trying to recover the money from you.

Before you make any sort of payment agreement, check the SOL period of this account. If this account took place long time back, it will surely be out of the SOL period in your state. Under such circumstances, you can't be forced to pay back the amount and no actions can be taken against you. Be sure that you have everything in writing from the company. This will make your approach stronger.

Regards
Roxette


lrhall41

Submitted by roxette on Fri, 04/07/2006 - 12:49

( Posts: 4009 | Credits: )


I also pulled up my credit report and it was on mine and i havent had anything thru them and cant find any info on them. :?:


lrhall41

Submitted by anonymous on Tue, 05/23/2006 - 13:08

( Posts: 202330 | Credits: )


Here is the contact info of Island National Group

ISLAND NATIONAL GROUP, LLC
6851 Jericho Turnpike Suite 180
Syosset, NY 11791
(516) 682-4300

Check your credit report and see if this CA has hit your file without legitimate reasons. Ask for the details of the account for which they are contacting you. If they are unable to give you the details and have hit your file negatively, dispute with the bureau. They will investigate with the company and update your file with correct info.


lrhall41

Submitted by Gretchin on Tue, 05/23/2006 - 15:35

( Posts: 482 | Credits: )


:o ok my husband has 4 of these on his credit report, 1. fingerhut
2. island national group
3. jefferson capital
4. jeffersncp

All have same amount owed on credit report.
oh and yes they are all linked together and here is a sight I found, with other people who have all these on their credit report also.

www[dot]rippoffreport[dot]com

you should read this page it made alot of sense to me and now understand exactly whats going on.


lrhall41

Submitted by anonymous on Sat, 05/27/2006 - 08:03

( Posts: 202330 | Credits: )


I have been paying this company for about 2 months, using their Double Credit Offer. I've received a statement that indicates the change. But after reading everything online about this company I'm kind of fearful of what will happen?? I just wonder if I do actually pay-off this account will they sell it to someone else? You can take a look at other people that have been in contact with this company at the following:

Link deleted as per forum rules - Mike


lrhall41

Submitted by anonymous on Wed, 06/14/2006 - 18:13

( Posts: 202330 | Credits: )


i found charges on my credit report from these people and I dont know how to contact them. does anyone have a number for them?


lrhall41

Submitted by anonymous on Fri, 06/30/2006 - 13:12

( Posts: 202330 | Credits: )


I received a settlement from you guys i have to send in the first payment by the 5th of september and i want to pay it but the earliest i can send the payment in is on the 1st of september and i dont know if you guys will receive it on time. Please let me know what i can do. Thank you


lrhall41

Submitted by anonymous on Mon, 08/21/2006 - 15:17

( Posts: 202330 | Credits: )