Bahaha so I called the number back and ask what this was about. The lady ask for a Ricky...and last name.. which that is not even my husbands name his name is Richard and I tell her umm.. there is no ricky.. then she mumbles something and hangs up. So I call her back and tell her I was disconnected and ask what was this about.. she asks me for my number I give it to her and she then says is this Ricky last name.. I tell here there is no Ricky last name and she mumbles again and then hangs up on me. I took them off my Block list because I want them to call me back so I can get info from them. I think it is funny they think they can look up account information with just my number. And if you look at my number on a caller ID it comes up Rich and a last name. Hahaha they are totally scammers. I hope they call me again they called me 2 in a 2 hours period so let's see. I should have asked for Susan Smith bahaha
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
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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.
Bahaha so I called the number back and ask what this was about. The lady ask for a Ricky...and last name.. which that is not even my husbands name his name is Richard and I tell her umm.. there is no ricky.. then she mumbles something and hangs up. So I call her back and tell her I was disconnected and ask what was this about.. she asks me for my number I give it to her and she then says is this Ricky last name.. I tell here there is no Ricky last name and she mumbles again and then hangs up on me. I took them off my Block list because I want them to call me back so I can get info from them. I think it is funny they think they can look up account information with just my number. And if you look at my number on a caller ID it comes up Rich and a last name. Hahaha they are totally scammers. I hope they call me again they called me 2 in a 2 hours period so let's see. I should have asked for Susan Smith bahaha
If they say that they are going to arrest you, next time tell them that they are being recorded and according to the FTC it is illegal for any debit collector to use threats against you in the US. And that you can report them to the FTC where they can be fined shut down and even possible go to jail for harassment.