866-245-2801

Got a call from this number said that they were from bank of America and I wrote bad checks and owe them $1200 and if I don't  pay $500 today, they will get a warrant for my arrest

Oh and they said it was 7 years ago

It does not matter if it was yesterday. They are attempting to extort money from you for a non-existent debt, plain and simple. Let them know this the next time they call. While you are at it, tell them they are calling on a recorded line and you intend to have them prosecuted for (among other things), attempted extortion and wire fraud.

How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.

The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.

The debt collector refuses to give you a mailing address or phone number.

The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.

Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.

Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.

Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/

Just got a call from this number stating that back in 2007, I took a payday loan for $300 and now owe $5382 I verified the last four digits of my social and phone number with them.  What do I do now to report what I did?

Did they give a company name ?

Phone number 866-245-2801 and stated they are a law firm calling on behalf of their client "Quincy". They proceeded to tell me I'm being sued for $5,392 from a pay day loan I allegedly applied for back in 2007. (Original amount $300) They stated my employment at the time, address, and bank I was with at the time. They proceeded to tell me the lawsuit is for breach of contract, breaching fraudulent check, and intention to fraud a financial institution.  (Quincy Pay day loan) The so called lawyer said they can see if they can dropped the charges if I settle 3x's the amount of the Pay Day loan of $300. I called my lawyer, they stated it was a scam.  I alerted my credit reporting agencies. T-mobile recently had an identity breech, I've notified those folks as well.. What else should I do? I have car loans. That's it.

I called and left a very stern, loud vm that they are a scam, and that they are being reported .. I think you're doing the right things... Too many scammers around this time of year.. I also reported their number to Bank of America since they identified themselves as that to someone else in previous comments.

I like that! Thank you!