Debt collection company, pretend to be either an attorney, FBI agent, State of Florida Fraud Investigator or Special Agent for Fraud Division. This company changes names quite often and uses various threatening tactics in order to collect on old debts which are soon to be past collection date. They generally purchase thousands of old debts for as little as .05 cents on the dollar and intimidate people into sending monies their way immediately or face immediate prosecution, arrest, warrant or garnishment.
They are very intimidating, they quote your relatives and say they have spoken to your mother, father, brother, sister, etc, they will do whatever in order to get you to send money immediately. Today before close of business or you will be have warrants for your arrest issued is their best line. Do not fall prey - know your rights, these people are parasites, the lowest of the low, they want your money (today) or your routing/account number. DO NOT GIVE ANY INFORMATION.
DO NOT give them any information, do not even substantiate your name or phone number - they will use any information to harass you more. They have been known to look people up on Facebook, Myspace, Twitter, Skype then harass people using these methods also.
Debt collection company, pretend to be either an attorney, FBI agent, State of Florida Fraud Investigator or Special Agent for Fraud Division. This company changes names quite often and uses various threatening tactics in order to collect on old debts which are soon to be past collection date. They generally purchase thousands of old debts for as little as .05 cents on the dollar and intimidate people into sending monies their way immediately or face immediate prosecution, arrest, warrant or garnishment.
They are very intimidating, they quote your relatives and say they have spoken to your mother, father, brother, sister, etc, they will do whatever in order to get you to send money immediately. Today before close of business or you will be have warrants for your arrest issued is their best line. Do not fall prey - know your rights, these people are parasites, the lowest of the low, they want your money (today) or your routing/account number. DO NOT GIVE ANY INFORMATION.
DO NOT give them any information, do not even substantiate your name or phone number - they will use any information to harass you more. They have been known to look people up on Facebook, Myspace, Twitter, Skype then harass people using these methods also.
They called me with the same bull...talking about they gone come lock me up at my place of business lmao....fraud fraud fraud lol ...I put them on the block list and kept it moving...their number doesn't even pop up as a business
The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:
•is seeking payment on a debt for a loan you do not recognize;
•refuses to give you a mailing address or phone number;
•asks you for personal financial or sensitive information; or
•exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
•Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
•Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
•Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
•Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
•Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.
They're not even buying old debts. They're buying your personal information. Even if you have satisfied whatever debts you had, any applications you've filled out (especially for online payday loans) are traded like baseball cards. The "collectors" have no real evidence of any debt, and they hope you'll have forgotten too, but it's THEIR legal obligation to produce the evidence. As we learned from the Target and Home Depot fiascos, personal info is big business on the black market.