888-479-5877

Recorded message:  This message is intended for (name).  I received a fax order regarding a complaint that was filed against you. I have been retained to serve you with documents to appear at either your residence or place of employment. If you have any questions or concerns about the complaint or wish to rectify the matter you can hit any key on your phone to be connected to our office directly, or call us at the following number: 888-479-5877. When calling please reference file number XXXXXXX.  You have officially been notified.

Is this a legit claim or scam?

REAL process servers do NOT warn you that they are coming AND phone calls are NOT recognized as official notification of anything.  In other words, SCAM with scare tactics!

This is a common ploy by criminals masquerading as debt collectors who are attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this,  all for an alleged or nonexistent debt.  One of the tricks they use is to call your work place, friends, or relatives repeatedly in an attempt to shame you into paying.  They also use the “process server” ruse who calls and claims he is going to serve you, but then says you could avoid it by calling another number

Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

I received a call saying that I had two charges on me and needed to pay money to have them settle.

Me too, I have looked into this and we are being scammed!!!

Got this same call today.  If it wasn't a 'phishing' expedition, you would not be calling back on a toll free number; AND you would have never been given a reference / file number; they would know you by name.