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
The threat that they would sue you ("take you to court") was FALSE, and they knew it when they said it. In particular, this was deceptive and illegal if the alleged "account" was delinquent past your state SOL, or the original date of delinquency was past the 7.5 year maximum credit reporting period. They are required to know and comply with the law (FDCPA) regardless of whether you know what that is.
That makes it a deceptive and illegal threat, and an attempt to evade your validation rights, in violation of FDCPA, so the "authorization" was obtained through illegal deception, making the charges fraudulent.
Dispute them through your bank as FRAUDULENT, and have your bank block your card number immediately to prevent further fraud and theft. Even if they took money out of your account, your bank can reverse the charge due to fraud if you dispute it quickly. File your bank dispute IN WRITING, alleging FRAUD.