Never received any letter from them. Just a daily phone call from the same number since the middle of 2013. I've never answered so I don't know what the message is.
In the past three years I've borrowed money to build a house and buy 3 cars. My credit rating is above 800; so there are no outstanding debts on my credit report. This company will attempt to blackmail people into giving them money under the threat of filing false unpaid debts against your credit report.
Most the time they do not know who they are calling. They want you to return their call so they can get a name. They will then search your credit history and search for a credit card bill that can go back 10-15 even 20 years ago. Now they have a name and credit history that they will exploit. They will claim you had a credit card debt from 1995 that you never paid, and they want proof that you paid it. (Who keeps a paid receipt for over 20 years)?
Now that you talked to them, they can legally document that they contacted you and that you are a deadbeat; then they will falsely file against your Credit Report in an attempt to blackmail you into paying them on some bogus bill that you do not owe.
I don't want to file against them because I don't want them to know my name. Call blocking is easier but I do appreciate all your advice.
Blocked them in March -- when they call they get a "...number has been disconnected" message -- and they've still called our office 15 times since then.
So i got a call from these people and he wanted to know the last 4 of my social security number. I asked him what it was about first? i wasn't given up any private info until i do. He said he needed a second form of identity to verify who i was. I told him hell no, what he think i was some kind of idiot to give him personal info and without missing a beat he replies " If you don't stop using that language i will hang up on you". Without missing a beat i said " Please do, you will make my day".
They called me claiming they were PayPal. She wanted me to verify my address but I would not give them any information. I received a letter about a month or 2 ago stating my account was in collections for a charge that was over $400. Since I never ever use PayPal except to send money I knew this was wrong. My ex husband sent me a message stating that this number was trying to call me so I called them on my phone and she answered asking "is this rachel ----?"