If you are getting a collection call about a credit card you don't have, you may want to get a copy of your credit report. Identity theft is a big issue these days, and it is possible someone opened an account as you and then didn't pay the bill. This is all too common today and has screwed up many people's credit record. If this happened, you are liable until you can basically prove you were a victim of identity theft and you may end up liable for the debt (you may need a lawyer to straighten everything out).
Whatever you do, don't just sit back and think that since it wasn't your debt it must have been a mistake and do nothing.
This is a very persistent collection agency. I already paid the debt there are referring to and a letter was provided showing it was paid. They will not stop calling!
American Recovery Systems
1699 Wall St, Ste 300
Mount Prospect, IL 60056-5788
(847) 709-7580
This collection agency called accusing me of having a mastercard which had been passed to them for collections. I told them I do not have any mastercard at all, and never had one from the company they named! They then asked me for the last 4 digits of my SSN. I refused to disclose this info, but rather asked them what last 4 digits they was looking for. They refused to tell me this but turned around to then ask for my street address, I again refused. They then threatened to do some type 'credit search on my name' because I was refusing to release info to them in order that they could collect a debt... At this point I hung the phone up on this person because they continued to talk about this account that I know I never had. I also know better than to give out any part of my SSN or address, particularly to an 'unknown caller' on the phone.
THIS COMPANY HAS TO BE OPERATING OUTSIDE OF THE FEDERAL CONSUMER GUIDELINES AND REALLY NEED TO BE REPORTED!!
I also paid of a debt for which they continue to aggressively call me. They are exceptionally rude. I will be 26 next month and one man interrupted me, while I was POLITELY explaining,and he said "You know, you sound like you're about 12" - extremely rude, as was his supervisor. They are out of control.
They called and were uninformed of my account status with the company I apparently owe money too. I call them back, after hanging up on the collection agent, and informed them that according to the Fair Credit Act they may not call me back using any and all numbers they have. If they do I will consider it a violation of the Fair Credit Act and I will prosecute. The supervisor tried to pass the call back to the Agent, but I insisted that she write the notes so that there will be no mix-ups.
Please inform yourselves and read the Fair Credit Act, it is very consumer oriented and protects you from Collection Agencies and their annoying, and often rude, phone calls.
If you are getting a collection call about a credit card you don't have, you may want to get a copy of your credit report. Identity theft is a big issue these days, and it is possible someone opened an account as you and then didn't pay the bill. This is all too common today and has screwed up many people's credit record. If this happened, you are liable until you can basically prove you were a victim of identity theft and you may end up liable for the debt (you may need a lawyer to straighten everything out).
Whatever you do, don't just sit back and think that since it wasn't your debt it must have been a mistake and do nothing.