Keep calling stating that they are collecting a debt for the State of Louisiana they are a processing company and they are threating me if I don't pay they are not going to be able to help me. I don't know what they are talking about and they wanted give me any information. they have the last four digit of my ss # and they wanted me to vertify this information to them. they said they are district of processing for the state of louisiana.
Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?
The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:
is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.
Also good info at the Consumer Finance Protection Bureau:
http://www.consumerfinance.gov/askcfpb/1699/h ... legitimate.html
This number called my job stating that they needed to do an income verification for my job for wages. And the lady stated my name. I asked her what was this in reference to she said for a payday loan I did online. I told her I never did a payday loan online, I have done them but only for the company I work for. She had my last 4 numbers of my social, my home address and the bank name that I once had. She said it was for 2 companies WTJ Capital LLC and Twin Bluff Financial totaling $1590.66 way back in 2008 and 2009. I told her I would look into that and get back with her. I took down her name Drea Smith. She asked for payment that day and if I didn't have it or made payment arrangements, they would file a lawsuit against me. I told them I will be waiting on my paperwork and hung up.