a woman called me from this number and said it is an important business matter. she would not give me more information unless I gave her the last 4 digits of my social security number. she would not tell me what company she was from. why would anybody in their right mind give a random person the last 4 digits of your social security number are you kidding me.
Called me asking for my social security number and birth date as if I would give it to them. I told them to quit calling me or I would report them to the attorney general's office. He proptly hung up.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
Called at 8am about a debt..I informed them that it is before business hours, they insisted it was 9am because its 9am where they are so then its 9am everywhere (they are on the east coast) They also got my name reversed....burp!!