Lots of companies named Action Recovery. They can't identify themselves as a debt collector until they are sure they are talking to the person they are trying to collect from. But since they talked to you, they are now required by law to do this:
It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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 and also make a complaint at this government site: http://www.consumerfinance.gov/
I recieved a call from this number today. I didn't answer the call, but they left a message. "This is Jennifer with 'ARR' calling for ____ _____ in reference to your account. You need to call back immediately so that we may discuss what to do about your account." SCAM!
I received a call from this number and it shows private on caller ID. When I returned the call, they do not answer their phone with a business message...it was just a simple "hello". I asked who I was speaking to and a female asked who I was and I told her that I had a phone call from her number. She replied that she needed my name and number before she could tell who she was. I finally told her my number, then she asked for my name....then she wanted me to verify my date of birth. She was getting angry with me because I would not verify my date, etc. This has to be a scam!
Asked for name & a dress would not give me a reason to do so. I told her I will not give out any information without knowing to whom & why. Then just bye. Hung up. I called back got hustle hello, when I asked who this is Brandy Kraft. I asked where this was coming from Action Recovery. No reference to why without me giving her info, even said it's public record. Well then seemed rude & if a recovery call they are required to say this is for debt collection. She would give me nothing. I hung up. This does not feel like a legitimate call. I looked up closest listing to this name for area this is not it. Feel like it's a scam. Maybe worse.
Lots of companies named Action Recovery. They can't identify themselves as a debt collector until they are sure they are talking to the person they are trying to collect from. But since they talked to you, they are now required by law to do this:
It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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 and also make a complaint at this government site: http://www.consumerfinance.gov/