3 calls telling me I have paperwork in their office with serious allegations on it! Need to verify the last 4 digits of my SS#! I said absolutely not, send it to me in the mail. They can't do that. After 5 times of telling her absolutely not she hung up on me! Sounds a lot like the email scam telling people that they have serious allegations against them and pay $$ to clear it up right away!!!
3 calls telling me I have paperwork in their office with serious allegations on it! Need to verify the last 4 digits of my SS#! I said absolutely not, send it to me in the mail. They can't do that. After 5 times of telling her absolutely not she hung up on me! Sounds a lot like the email scam telling people that they have serious allegations against them and pay $$ to clear it up right away!!!
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. 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. Now why would a “process server” want to do you, a stranger, a favor, and at the same time not get paid to deliver the papers?
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
Went through this earlier this year, last summer, and now today. Exact same thing, malicious intent to commit fraud on a payday loan, something like that. I file complaints, not much else to be done. Maddening.
I called the number the lady left on the voicemail only because it was the 2nd call and it was intended for Heather Anderson who is not me. I was sick of getting her calls about a delinquent call on the phone number I have had for over 10 years so I called as a courtesy to tell them they had the wrong number. When I called the woman gave me my name and the last 4 of my SS# and said I had a payday loan that was going to be garnished from my paycheck. The [***] tricked me!!! I told her she was full of [***] and to go ahead and try to sue me. I had always paid back all my payday loans I had and still hold all the documents showing I did. She said I have this one that I didn't and I told her again she was wrong and to go ahead and try to sue/garnish because she was wrong and to go F*** herself. So sick of this BS and these scammers! God have mercy on their souls because if I ever find them I will kick their [***]!