757-699-1287

Text message from this number.  It was an MMS.  Phone offers "Tap to download."  Hah!  I think NOT.

Text came through as a debt collector for Spring Oaks Capital, LLC. Regarding a debt that is not mine. Never heard of Milestone Mastercard.

Also received text saying they are spring oaks capital about some Destiny credit card and debt collection. I don’t have this card and never heard of them.

Junk call

Received an MMS message from this number today showing "This message is from spring oaks capital, LLC regarding your account originated by blue rid... {IMAGE}"

I received a text message from Spring Oaks Capital, LLC regarding a Destiny Mastercard.

Said they were texting me about my Mastercard with them. I don't have a Mastercard with them.

This Spring Oaks company contacted me and unlike the other comments here, they contacted me in referenced a debt that I actually have. It didn't make sense though so I called the company that holds my debt, and they confirmed that I am up to date on my payments, I'm not in any collections, and they didn't contact this company to make some sort of arrangement. They warned me it was a scam. So if this company contacts you, even if they're mentioning a credit card or loan that you actually have, don't respond. Contact who actually holds your debt and talk to them about it.

It would be much better to make them follow the letter of the law instead of wasting your time calling around to different places.

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, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “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 communication 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 communication you should immediately send that debt validation letter by certified, return receipt mail.

You can also file a complaint with the FTC who will then direct you to the CFPB.  Or you can simply go to the the FTC website and file a complaint which will again be redirected to the CFPB.  No matter what you are going to end up reporting the complaint to the CFPB so why not go there first and forget about the FTC?  I mean seriously, you are not actually going to report anything about debt collection directly to the FTC but hey, knock yourself out!  https://reportfraud.ftc.gov/#/assistant

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