Said they were Portfolio Recovery for Capital One. She asked for my husband by name. I said he wasn't home and she asked for my name. I gave it to her...stupid...anyway, she said if I am his wife that she can give me the information. She started telling me that he owes $1000-something in past debt. I stopped her from talking and said you have the wrong person as we don't have any late debts. She said is your husbands last 4 social ending in ----? I told her no it is not...and it really wasn't his number. She quickly said ok, must be someone else and then hung up. My husband does have a fairly common name I suppose. In fact his last job, he worked with a guy with the same name and the two of them were always getting confused by different departments. I think this caller is probably legit and now that they know they have the wrong person, fingers crossed they stop calling.
Here is the problem with companies like this. When they can't get in touch with the person they are looking for, using the information provided to them from the company that hired them. They will do a search and get the phone numbers of everyone with the same name and harass them until they find the person they are looking for. If you have a common name ( like myself) you will have to deal with this crap everyday.
That is only if they've gone to court and won a judgment in a lawsuit. Most credit card companies do not sue, and the statute of limitations In Florida is four years.