I have filed reports with Western Union on both account numbers they gave me today. But I reversed the roles on them and I have been calling them about every 10 mins, even asking them what I should cook for dinner. Now they won't talk to me anymore
>> I called Western Union and was told that there was nothing they could do... They accept no responsibility ... they were of no use! <<
Are you blaming Western Union for YOUR failure to do due diligence?
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
Read and understand Slim's Notes. See if you can get your employer to install some sort of call blocker. A cold-call from someone with an Indian accent threatening you is most likely a scam of some sorts. These people tend to pick on women, single mothers, the elderly and members of the immigrant community. Do not return their calls and hang up on them. They are looking for someone who may be vulnerable, if you talk to them they may sense some vulnerability and hammer you with even more calls.
Tell 'em to go to hell in no uncertain terms and that they are not getting ONE RUPPEE from you!