They asked me for private information (SS, DOB and address) so they can tell me who's their client and the person I owe money. I don't owe any money, they have never send me a letter. I told them to send me a letter via email. DO NOT GIVE them your personal information over the phone. SCAM!!!!
This idiotic continually calls at all hours. They state in the robo message that they are a collection agency however I DO NOT OWN any monies to anyone!
They asked me for private information (SS, DOB and address) so they can tell me who's their client and the person I owe money. I don't owe any money, they have never send me a letter. I told them to send me a letter via email. DO NOT GIVE them your personal information over the phone. SCAM!!!!
Quote: I told them to send me a letter via email.
Wrong answer!
A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed - US Mail ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via Green Dot, MoneyGram, Western Union, prepaid gift card or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.