Can you believe these people, They are watching too many NCIS episodes and they have it down to a science they somehow have our records from some website that we entered our personal information into it seems to be that they buy information from different carriers or websites and use it to there advantage when we are denied on an application for anything......In my case there hunting me down for a pay day loan that I was never approved fort and that they are saying that I never paid back...! So I ask them were was that money deposited and they said into my bank account" So what's the next step to fallow and its to check my bank records and of course no money ever when into my bank account wich means they don't have a case.....But to the ignorant mind that does not understand what's happening with these harrasers they will get away with it and steal your money right under you nose.....I hope everyone understands were I'm coming from I won't let these morons intimidate you.....:-P
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.>
Got a call from ths so called Bueau of Investigations today... for my son, I told them he doesn't live here and they demanded his cell phone nbr. I told them no because I knew it was fraud. He threatened to have the police to come to my home and arrest my son, well, he won't be here. By the way, an indian with heavy HEAVY indian accept named "Robert Smith" (yea right) I told the as$hole off and before it was over, He cursed me out told me that he was going to come to my house and F me in front of my husband. LMAO. Like that's going to happen. Soon after hanging up, another call and i just handed the phone to hubby, who got cursed out as well, very professional for a so called "Bureau of Investigations"..... of course he was cursed too and was so intimidated. NOT. He let the A$$hole have it and they hung up on him. If you get a call from this number, tell them to take you off their calling list, if it was legitimate they would have your info. They are SCAMMERS who want your info for fraudulent purposes. Do not give them any info and report them to the FTC comissions office and Attorney General Office as stated above... God, what a way to start the day, I was woken up by this stupid phone call and now I'm pissed off, hope they don't call back!