got a call from a "Melinda Kate" for someone else saying that they were the state of PA and had an order for 2 allegations to be filed and that they will be pursuing me at my place of employment and residence. There was quite a bit more to it but the person had a very heavy accent and I couldnt understand most of it.
got a call from a "Melinda Kate" for someone else saying that they were the state of PA and had an order for 2 allegations to be filed and that they will be pursuing me at my place of employment and residence. There was quite a bit more to it but the person had a very heavy accent and I couldnt understand most of it.
The State of PA (which is actually the Commonwealth of PA) nor any state for that matter would call you up to tell you they were coming to arrest you. It would be counter productive. You received a call from a criminal looking to extort money from you by scaring you.
This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, etc. all for an alleged or nonexistent debt.
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 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
As well as the PA AG’s Office: https://www.attorneygeneral.gov/Quick_Links/P ... omplaint_Forms/
It actually ended up being a huge scam I guess. They are trying to collect pay day loans that never existed. Thankfully I live in a pretty small town and got ahold of the person and was able to give her all the information to file a claim against the company calling. They apparently had called quite a few people in her family as well.
But knowing how often this happens, nothing will be able to be done.
Not necessarily true because the CFPB does seem to be doing a good job. They will need to build a case though and that does take time. Crimes are unfortunately not solved in an hour like they are on TV (sure wish it would happen that way with these cretins). So please make complaints at the links I provided, and have that other person do so as well.
This happened to my daughter just the other day. They called her and had her social security number and date of birth and claims she owed for a loan she took out up in Pennsylvania and she has not lived up there for years !!! She told them to go ahead and try to take her to court and hung up on them !!!