817-778-8834

bill collector

said I had an outstanding loan debt from a Payday loan from 2011 and used my bank as a reference. refused to give me any info. and said I would get it when I got my court summons. I never took out a loan of any kind in 2011 and was not even with my bank then either. Scam for sure and threats to get easy money. Lady is very rude!!!

How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.

The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.

The debt collector refuses to give you a mailing address or phone number.

The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.

Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.

Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.

Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/

Said they were collecting for a payday loan....LOL...never had one.

No caller ID (http://m.safecaller.com/8177788834).  Don't owe and scam as far as I'm concerned.

multi-day spam caller

They are typical of phantom collectors. ALWAYS CHECK THE BBB and Consumer watchdog services before making arrangement with any Debt Collector. CRS Solutions and Core Capital have a few items on the web about them being fraudulent companies. So the story is that they called me and threatened garnishment and court proceedings if I didn't pay 2 outstanding loans or set up arrangement in 7 days for Midland Financial and Cardinal Mgmt (found out their are a closed company). I never received documents from them so they stated I would receive info regarding payment installments. I went ahead and made two small payments and then had to stalk them to finally send me the documents. What they sent had fraud written all over it, very little information and no references or further info on the companies they falsely claimed they were collecting for. I quickly placed block on my payment method (if you are using a CC or Debit Card you'll most likely need to close and get new number). Also Make sure that you make changes on any auto payments to your valid and real creditors.

Never taken out a loan or borrowed money so they must be fake calls.