Scam Artists
Complaint
D
Country: United States
They actually got me but don't fall for them. Got a call from a Mary Sheppard from a courier company -LPS Legal Services -with legal documents about a loan I had taken back in 2012. She provided me with a call back number 1-855-222-4032, but the line was answered by a an Addison from MCR Associates who claimed to the LPS' claims company. But the transaction was processed by Addison now with National Check Re Inc. Looking at my bank statements I realized 30 minutes later that I had paid the loan in question in full, however I had already paid them some money. Luckily I used a prepaid card so I don't have go through the hassle of changing my credit card. Beware, ask them the specifics about the transaction in question...don't give up your information. Tell them you would like your lawyer to be involved.
Comments
www.ftc.gov
www.consumerfinance.gov
2) You can't reverse it through a fraud dispute through your bank.
Scam debt collectors commonly prefer payment by prepaid debit card for that reason.
As long as they didn't get too much out of you, maybe you learned a lesson.
Never pay any debt collector that does not follow the law (FDCPA).
Deceptive collection, harassment, and abuse are violations.
FDCPA also requires that they accept disputes and validate debts (in writing, by mail), or cease collection if they can't. They're also required to send you a letter within 5 days of first contact notifying you of the alleged debt and of your right to dispute it and request validation.
The scams don't follow the law.