303-327-9629

Calls saying they want to discuss a personal financial matter. Asked for me by name and knew my birth month and day and asked me for the year which I did not give them.

Didn't show as a scam, and I have friends with the 327 prefix so I answered... Had a 'personal financial item' to discuss. Wanted me to verify my address, so he would 'know' it was me. Who the heck else is going to answer my cell phone? Anyway, I told him if he had my address, they could send me a letter.

They said they had a personal financial matter to discuss with me. They knew the month and day of my birthday and wanted me to  confirm the year. I said I wasn't comfortable with giving him that info
and questioned what specifically he wanted to discuss. He said they had sent me a letter with the specifics. I've not received any such letter. Then he wanted to confirm my address, which I did not confirm and I hung up on him, mid-sentence.

Left no message on my cell. Number is listed to a debt collection company that has many complaints against it for trying to collect old accounts that have already been settled

Debt Collector trying to collect on old debt they bought for cents on the dollar.

OK, so far nothing illegal has happened per your post.

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

PROFESSIONAL FINANCE COMPANY

Web page with contact info:  http://pfccollects.com/p/contact.html

BBB page gives them an accredited A+ rating with 23 complaints, and 9 negative reviews (BBB removed 11 complaints and 4 negative reviews so that they could keep that rating) as of 11/12/20:  http://www.bbb.org/wyoming-and-northern-color ... greeley-co-3781

Facebook page:  https://www.facebook.com/ProfessionalFinanceCo

LinkedIn page:  https://www.linkedin.com/company/professional-finance-company-inc.

Colorado State AG lists them as licensed but that government action has been taken.  It also lists the alias this company uses:  http://www.coloradoattorneygeneral.gov/sites/ ... b/CabReport.pdf

Colorado Dept. Of State listing the head criminal at this organization:
Name    PROFESSIONAL FINANCE COMPANY, INC.
Status    Good Standing    Formation date    10/30/1985
ID number    19871643504    Form    Corporation
Periodic report month    October    Jurisdiction    Colorado
        Term of duration    Perpetual
Principal office street address    5754 W. 11th St., Ste. 100, Greeley, CO 80634, United States
Principal office mailing address    5754 W. 11th St., Ste. 100, Greeley, CO 80634, United States

Registered Agent
Name    MICHAEL V. SHOOP
Street address     5754 W 11th St, Ste 100, Greeley, CO 80634, United States
Mailing address     PO BOX 1686, GREELEY, CO 80632, United States

Additional names the steal money with:
1    19871653130
19871653130      MEDICAL-DENTAL BUSINESS BUREAU, INC.     Effective      DPC      01/10/1986 12:00 AM
2    19871653131
19871653131      COMPUTER COLLECTIONS, INC.     Effective      DPC      01/10/1986 12:00 AM
3    19871653132
19871653132      COMMERCIAL COLLECTORS OF COLORADO, INC.     Effective      DPC      01/10/1986 12:00 AM
4    19871655326
19871655326      CHECKRITE OF GREELEY, INC.     Effective      DPC      01/28/1986 12:00 AM
5    19871655494
19871655494      ACCOUNTS RECEIVABLE MANAGEMENT COMPANY OF N     Effective      DPC      01/29/1986 12:00 AM
6    19881051115
19881051115      HEALTHCARE BILLING SERVICE, INC.     Effective      DPC      05/19/1988 12:00 AM
7    19891052303
19891052303      CREDICHECK OF COLORADO, INC.     Effective      DPC      05/15/1989 12:00 AM
8    19891104896
19891104896      PROFESSIONAL CREDIT SERVICES, INC.     Effective      DPC      11/06/1989 12:00 AM
9    19921003856
19921003856      CIVIL DEMAND ASSOCIATES, INC.     Effective      DPC      01/15/1992 12:00 AM
10    19931050748
19931050748      CREDITOR'S SERVICE BUREAU, INC.     Effective      DPC      05/17/1993 12:00 AM
11    19931051675
19931051675      EDUCATION BILLING SERVICES INC.     Effective      DPC      05/17/1993 12:00 AM
12    19941075704
19941075704      AFFILIATED CHECK SYSTEMS     Effective      DPC      07/06/1994 12:00 AM
13    20011204671
20011204671      PFC     Effective      DPC      10/23/2001 12:00 AM
14    20011204675
20011204675      PFC INC.     Effective      DPC      10/23/2001 12:00 AM
15    20031106121
20031106121      RECEIVABLES SOLUTIONS, INC.     Effective      DPC      04/04/2003 12:00 AM
16    20031231882
20031231882      FIRST PARTY RECEIVABLES SOLUTION     Effective      DPC      07/18/2003 12:00 AM

Texas ADAD report:
Public Utility Commission of Texas
ADAD Report

PROFESSIONAL FINANCE COMPANY INC
Permit No: 150030
Type:     ADAD
Permit Approved Date:     5/19/2015
Date Last Renewed:     5/19/2017

DBA Names
________________________________________
No DBA Records

Contact Information
________________________________________
Mailing / PO Box  (Mailing Address)
PROFESSIONAL FINANCE COMPANY INC
JESSICA HAMMES
ACCOUNTING MANAGER
P O BOX 1686
GREELEY,CO 80632-1686
Web:  www.pfccollects.com
Email:  licensing@pfccollects.com
Phone: 970-347-5341
Toll Free: 800-864-4391
Fax: 866-902-4786     Authorized Rep
CT CORPORATION
1999 BRYAN STREET
SUITE 900
DALLAS,TX 75201
Phone: 970-347-5341
Toll Free: 800-864-4391
Fax: 866-902-4786
Company / Physical
PROFESSIONAL FINANCE COMPANY INC
JESSICA HAMMES
5754 W 11TH STREET
SUITE 100
GREELEY,CO 80634
Web:  www.pfcollects.com
Email:  licensing@pfccollects.com
Phone: 970-347-5341
Toll Free: 800-864-4391
Fax: 866-902-4786     ADAD Physical Address
PROFESSIONAL FINANCE COMPANY INC
JESSICA HAMMES
560 SOUTH VALLEY VIEW DR
SUITE 3
ST. GEORGE,UT 84770
Email:  licensing@pfccollects.com
Phone: 970-347-5341
ADAD Physical Address
PROFESSIONAL FINANCE COMPANY, INC.
JESSICA HAMMES
3600 S YOSEMITE ST
#400
DENVER,CO 80237
Email:  licensing@pfccollects.com
Phone: 970-347-5341     Regulatory Rep
PROFESSIONAL FINANCE COMPANY INC
NICHOLAS PROLA
5754 W 11TH STREET
SUITE 100
GREELEY,CO 80634
Web:  www.pfcollects.com
Email:  nprola@pfccollects.com
Phone: 970-347-5341
Toll Free: 800-864-4391
Fax: 866-902-4786

Other complaints:
https://www.consumeraffairs.com/debt/professional_financial_nc.html
http://ficoforums.myfico.com/t5/Rebuilding-Yo ... -Co/td-p/808528
http://www.ripoffreport.com/reports/pfc-payment-solutions-professional-finance-company/greeley-colorado-80634/pfc-payment-solutions-professional-finance-company-beware-of-credit-card-processors-sale-460377

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.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

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 complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

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

Also file a complaint in Colorado here:  http://www.coloradoattorneygeneral.gov/car/complaint