844-973-1437

I got a text from 855-449-1628 requesting an immediate call back to 844-973-1437 on behalf of MCU. I called from a landline and the operator that answered said that I had reached Capital United. I hung up as I am unaware of any accounts I have under either company name.

Received a text message with MCU, stating to call (844-973-1437) and a ref#. My phone listed it as spam. I don't think this number or text should be trusted. I did not call them, and based on the info from above it can be surmised that this is not a safe scenario.

Received a text message with MCU, stating to call (844-973-1437) and a ref#. I am unaware of any accounts I have under this company name.  I don't think this number or text should be trusted. I did not call them, and based on the info from above it can be surmised that this is not a safe scenario.

I got a text message stating that I call 844-973-1437 with a ref # immediately. I have no accounts with a MCU so I have not called back. However, I did do a search online with the name MCU and number and found they are a debt collector for other companies. However, I have no voice-mail or anything from this ckn

Received text, never heard of them blocked

Recieved a text message from 8449731437 MCU requires immediate callback with a reference #,needless to say I did not call back

Got the same text from the same number; thanks for the heads up...

Got A call from this number with a reference # as well. Called back and stated about a purchase I made years ago! Not safe

Didn't get a call, was in an email supposedly from Optum Financial, stating someone tried to log into an account I don't have and to call them for more details.

Scam called

Is it too difficult to post what "Scam Called" had texted to you?

Got a text demanding I call them immediately and gave a reference number. Needless to say, I will not be calling them

texted a family member using my name demanding that i call them back using a ref#.  they can't even message the correct person, scam for sure.

This is a bottom feeding debt collector trying to embarrass you.  It is illegal to give your information to a third party.  Let your friends know & block the crook.

Received text that said I am requesting an extension on my account and understand that the fee is in addition to my contract which does not affectthe original scheduled payments. I understand that I will be charged for any additional interest on the principal that was notpaid. You understand that paperwork will be mailed out for you to sign and return to the office. Please reply that you agree.

My sister in law got a text for me about this but I haven't received anything nor do I have anything in collections. Unsure as to why they would reach out to family members before reaching out to the actual person.

One of the tricks they use is to call your family, friends, neighbors and/or places of employment (past or present or both) to create panic and embarrassment so that their intended victim calls them so that they can scare that person into paying extortion money.  They will usually also state information that would be illegal for a real debt collector to state to department and tell them that you are a deadbeat who does not pay their bills.  They often call people that have never even been a third party such as that you are being sued, that you owe money to someone, etc. They threaten that if you do not call them back, they will contact your HR associated with you because they get erroneous information off the internet.

The fake process server/location finder extortion SCAM usually consists of the following:

They mention that they have received a Fax document or some sort of complaint and that there is a pending legal matter or action about to filed against you to create the sense of urgency.  They tell you that they are a “process server” and cannot give you the particulars of the case since the file is sealed. This is simply ruse to get you to call another number (often with a made-up case number) where they will ask for money to “make it go away” (this is actually the same place, they work in teams, one pretending to be the server, and the other usually pretends to be a lawyer).  They threaten to serve you at home or at work.  They tell you that if they serve you at work then they will need a supervisor, security, or HR person there as a witness, hoping that will cause you to panic over the alleged embarrassment of being served at work.  They also tell you that you will need two forms of ID.  None of which is true.  Process servers do not ever call ahead so that you can dodge them.  Process servers get paid to serve papers, nothing else.  They certainly are not going to pass up a paycheck by telling you that you can avoid being served, they are not going to give you an extra day or even a few hours to get a “stop order”.  Court documents are time sensitive and must be served within a certain amount of time.  Remember that you can always call the local courthouse to see if there really is a lawsuit that has been filed against you.

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

I get a call from this number all the time
I usually ignore. The 2 times i did answer the phone the line was dead