866-207-1164

WHO ARE THESE ppl they tslking abt they were hired to find me but when I Google the number its capital business solutions

If they are going to serve papers like they say, they usually don't call to tell you... just another BS scam

Keep calling wanting me to use prepaid card and upload money on it

Told me that I owe them for a $500.00 payday loan that was taken out in 2010 and that they were in the process of taking me to court . I have never heard of these people and never have dealt with any such loan. The woman said that her name was Melissa and then she started rattling off all of these letters of the name of the company, which I did not even catch.

A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.

The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:

Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.   ["Written" means snailmailed - US Mail ... not emailed or texted]

Source:
https://www.consumer.ftc.gov/articles/0149-debt-collection

Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via Green Dot, MoneyGram, Western Union, prepaid gift card or other untraceable means, then the call is definitely not legitimate.

IF you wish to communicate with the supposed collector / creditor, visit  the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/

If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.

Thank you for the information. I monitor all of my reports, so I knew that there was something wrong with this picture.