Number is from Middleburg, Fl. Claims to be Capital Indemnity, won't agree for the call to be recorded, won't give location of their office, oh, and Marsha does not like being called a Beyotch! I have no payday loan. They know this, I know this. So the game begins
Number is from Middleburg, Fl. Claims to be Capital Indemnity, won't agree for the call to be recorded, won't give location of their office, oh, and Marsha does not like being called a Beyotch! I have no payday loan. They know this, I know this. So the game begins
Old/dead debt collection. Does not follow FDCPA or Florida Sunshine Collections Act. Starts right off with "charges are being brought against you". Does not identify themselves as debt collector, tries to present as official with power to stop pending allegations. Refuses to send anything USPS.
I found 2 other complaints so it looks like this is a new criminal enterprise masquerading as a debt collector.
http://www.scamcallfighters.com/scam-call-18772529365-Capital-Indemnity-Solutions-asking-to-pay-on-an-unknown-2010-loan-Debt-Collection-34086.html
http://www.scamcallfighters.com/scam-call-2182038582-Richard-Gregory--Capital-Indemnity-Solutions--Became-hostile-when-I-Debt-Collection-34262.html
This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt. One of the tricks they use is to call your work place repeatedly in an attempt to shame you into paying. They also use the “process server” who calls and claims he is going to serve you, but then says you could avoid it by calling another number.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
Also file a complaint with the Florida AG’s Office: http://myfloridalegal.com/
http://www.flofr.com/StaticPages/FileAComplaint.htm