I just got a call from here saying I have a delinquent payday loan from 10+ years ago. That I have to pay them $900+. Won't give me any other info. I called the BBB and their number isn't tied to a legit business. The collector told me that the debt is for a loan from Vince Enterprises LTD and the BBB told me that there are 3 consumer reports for scams from this business. Not sure what to do from here but I'm not giving them money.
>> I'm concerned as to how they received my phone number when it is not listed. <<
If you ever posted your phone number on a social site, or used it when ordering online, or typed it in an insecure computer, or gave it to a friend whose computer was attacked, or filled out an entry form at a fair or a supermarket, or used it on a contest entry form, or put it on a postcard for a magazine or purchase, or were among those whose information was hacked from some organization, or obtained a "new" phone number ... your number is probably known to the scammers.
Allow me to present another possibility in a very simple fashion ... not to insult your intelligence, but to attempt to get the idea across to even those who have difficulty understanding more complicated answers. Click on the "Info" line, below, to learn about that possibility.
Info Robodialers for Dummies Can you count?
If you answered "yes", that is a good start. Try counting from 1 to 10 now. I will wait.
..........
Finished? Good.
I want you to think "0" instead of "10". Got it?
Now, get a piece of paper and a pen or pencil, and write down those ten numbers. Here, I will help you, in case your forgot:
0 1 2 3 4 5 6 7 8 9
Now get ready to write down some more numbers. I want you to write them down in the following format:
ABC-DEF-GHIJ
Yes, I know those are letters, but I want you to use numbers, instead.
Think of a number between 0 and 9 ... pick one from the list I gave above, if you wish.
Write it down, instead of the "A", above
Do that nine more times, writing it down instead of the other letters.
Now, look at the result.
Does it ring a bell?
It should, because you just wrote down a phone number!
Mr Computer is very good at making numbers.
Mr Computer can do what you just did in a fraction of a second.
In other words, Mr Computer can make and dial phone numbers VERY quickly.
Spammers and scammers who know about Mr Computer do not need to register and buy the DNC list.
Spammers and scammers who know about Mr Computer can even dial "unlisted" numbers, or "private numbers" or "brand-new numbers you just got"!
The DNC list is not a magic switch that blocks these calls from reaching your phone. It is merely a list. It is NOT a call blocker!
There, now you know all about how spammers can dial YOUR phone number, even if it is unlisted, and even if only relatives know it, and even if it is on or off the DNC list.
I hope that helps prove the DNC list DOES work! It helps prevent calls from registered / legitimate telemarketers, but it is not able to stop calls from telespammers. It is also NOT designed to stop political callers (who usually get the numbers from voter registration lists), calls from charities, or some other companies, such as debt collectors; or some companies with which you have done business in the last 18 months.
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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.
They called me claiming I owe for a payday loan I never received. They had the last four digits of my social and employment information over 15 year old. This has to be a scam.
They called me two days in a row, saying they were from core recovery services, gave a case number and a callback number. I know I have not unpaid debts. I blocked the number and am reporting it as spam.