Harressing phone calls
Complaint
Tiffany Johnson
Country: United States
These people have been calling ma and my mothers house saying they are pressing charges and I need to call them back to settle these charges!!! I have not committed any crime so they should not be calling acting as such!!! They threatening to come to my job and every thing else!!!
Comments
They aren't "coming to your job".
They are running a fraudulent "debt collection" shakedown scam.
These scams prefer to contact relatives or employers first, pretending to be a "process server" as part of pretending to "sue" or "investigate a crime", etc. That shows that they are accessing credit reports and pulling skip-trace information to find your mother, which they could just as easily use to find and call you directly.
It's all pretense, to get you to call back in a panic, and "settle" some alleged "debt" without any proof you even owe it, or that you owe it to them. It's also illegal.
FDCPA prohibits debt collectors from using deception, harassment, or abuse to collect a debt. It also requires that they 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 proof you owe it. These scam collectors ignore and violate the law to evade having to provide any proof you owe them. Deception, abuse, and harassment, including making illegal threats, or deceptively alleging you have "committed a crime", are all indications of fraud.
File complaints with FTC and your state Attorney General.
You might also sue them, for violating FDCPA, and if you win, courts can award you damages and attorney fees, so there are attorneys who take these cases on contingency. You can find a consumer attorney in your state through www.naca.net
What phone numbers?
What phone numbers?
I was charged erroneously in 1998 and fought it. I had to pay it off in 2000 when I bought my house. This bill has haunted me for almost 20 years. I paid it, never should have owed it and only paid it to get my first mortgage. It's the only bill in my entire life I never paid on time. I have a credit score of 831, I pay when I owe. Can't wait to be "served".
The statue of limitations is 10 years..
I told him i am not commiting to anything, he got real snarky with me and then hung up. cant wait to see what comes of this..