2053130989

Identified self as Crystal and told me she was with RMD and yes I have medical bills that I’m paying on so no reason for them to call me. Don’t leave VM

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

I answered and the guy (southern accent) asked if it was *insert my name* and I said yes. He then rambled something quickly and said before he could move forward in the convo that he needed to verify my birthdate *paused waiting for me to give it to him*... I responded that I wasn't verifying/giving any info until he verified who he was and who he works for and he said "thank you maam" and hung up...