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Collection scam?
Last night I received a phone call on my cell phone. It was from a man who said that I had charges pending against me and he was calling to give me info and a phone number to call to find out what it was about.When I asked him what he was talking about and who he was ,he said he was from NY processing firm and the company with charges against me was in Los Angeles.He gave me a case number and phone number.
I called phone number -got a man ,gave him case number -he processed to tell me it was a credit card called credit one from first bank of Marin ,opened in 2006,last payment made in 2009.I do not recall ever having this card,I know for sure I never made any payments to any card in 2009.
I actively began cleaning up old debt last year,had a complete criminal and financial ,public records background check done by lexis nexis in order to purchase a coop in 2013.This debt has never shown up in collections and I check my three credit reports through identity guard constantly.
This man would not provide me any info about debt other than to inform me that they sent papers to my home to settle before they sue me.The address he reads off to me is an old address but he did have last 4 digits of my social.He was incredibly rude and nasty when I began questioning.He hung up.I called back asked for supervisor,was put on hold .I called back again,same man answered said I never spoke with him ,that first man was colleague-I started questioning again-who are you,where do you work,why is debt not on my credit report,same nasty responses to my questions.Was told before He hung up,to find out for myself.
So,I have several concerns of course.Has anyone had this experience?The original call was from David Baxter of NY processing firm-no caller id.Told me to call 626-387-3923 and gave me case #. I have been calling again this morning to see who picks up. I get an answering machine that says "thank you for calling TSA,leave your name, number, and case number and someone will get back to you at their earliest convenience.
Thanks for any shared info anyone can provide.My biggest concern is that this agency or whatever it is will file suit against me and I won't know until it's to late to dispute it.Because the man on phone keeps using last payment in 2009-it is letting me know they are keeping SOL under. 7 years. The debt is a little over 1000.00 but I just don't remember this card at all and it has never shown up on credit reports in last two years that I have been monitoring them.I would have paid it off last year as I did multiple items in order to clean up history.I have managed to reestablish my credit and have really stayed on top of everything,I would hate to see some scam artist screw up what I have tried so hard to clean up.Plus I am worried it is a phising scam -someone trying to get my info .

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I agree!

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These creeps have violated the Fair Debt Collection Practices Act more than once.  Sounds like fishy all the way.

I wouldn't have called them, but would have told the original caller to put it in writing because you don't discuss such business over the phone.  And when the one hung up----that just cancelled the whole thing right then and there.

I'd suggest you search Fair Debt Collections Practices Act and prepare to do some very enlightening reading on your rights in collection practices.

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Report them and these numbers to the FTC. File a complaint of a criminal activity.

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