Same bs as everyone else. Caledonia me claiming I owed them over a thousand dollars for a payday loan I supposedly took out in 2012. Started giving me all sorts of old information asking me to confirm that I work here or have an account there. I said honey that information hasnt bee valid in years so either someone has committed identity fraud or you're attempting to. Asked me to dispute the charges or call another number to set up payment arrangements. I told them I dispute the charges and if you're going to put out a warrant for my arrest by all means come and get me. I called the credit bureau and the ftc and put a fraud alert on my name so if they try anything I'll know. Don't have time for this ignorance
If you talk to "Tina" again, tell her BigA at 800 notes told you this:
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, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt. They also use the “process server” who calls and claims he is going to serve you, but then says you could avoid it by calling another number. Now why would a “process server” want to do you, a stranger, a favor, and at the same time not get paid to deliver the papers?
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
I received a voicemail message. I called the #back and said someone from this #(402) called my#. They checked and said that it was not on their list and was a mistake.
This morning I get another call on the voicemail.
recieved a call yesterday stating I owed 1601.33 to direct lending told them I needed another day to complete this. They just called me and were very adament about sending the money western union. Yesterday they called from nebraska today they called from columbus Oh. telling me their address. Today's phone number was 1-614-407-0839 and their address was 1014 Vine st. Columbus, Oh. 45202. When I asked for the western union account I needed she told me to fill out a form called " I want to pay a bill". once I was there she wanted me to call her back and she would give me the rest of the directions to complete this trans action. She was even nice enough to give me a case # 2015565025.