This is a scammer searching for information. They called a relative of mine from an unknown number and unlisted,
and said they wanted me to call them back on 2139956515. They stated they had a file case against me ....some legal documents. This is definitely a scam.
How do they have any of my info?? I get that they can see the number I call from...but they even had my last 4 digits of my social! And calling my boyfriend instead of me?? This needs to stop. I also was humg up on, but I did find out that (they said) it was a loan from USA Cash...WTF is that??
They called me and they had my FULL social and said that I had a civil case against me. They said they would email me information, but then told me my files were missing!?! Asked me to settle the dispute by paying them $500 so it wouldn't go to court.
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