Scam saying that if I didn't pay pay back some payday loan an officer Danny Taylor was going to come arrest me unless I paid $986, scary part was they actually included the last four digits of my social security number, not sure how they acquired it, but a little disturbed they knew it. Left a bunch of text messages. I have never done a payday loan. Tried to call back and it was a pinger number.
I just received a bunch of text messages with broken English sentences stating that an office Danny Taylor was going to come and arrest me. They also told me that I owed $986.00. Total scam.
Received about an outstanding loan for $986. Mentions Financial Crime Network and threatens to pursue legal claims against me and contact my employer and family.
A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed - US Mail ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via Green Dot, MoneyGram, Western Union, prepaid gift card or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.