888-959-6386

Identified as Central Plaza and forwards you to Miller Miles and Associates, so called debt collectors that will reference a past due bank account. I know what accounts I opened and my credit history so I know this is a scam and bogus. They are, as far as I know l, Americans with American accents so that threw me.off.

99% of criminals pretending to be debt collectors are homegrown right here in America.

  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.

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

Thank you for posting this!!!!! I just filed a complaint they left me a msg threatening legal action & called my son too! I called them back & they kept trying to verify a 20 year old name. If you hadn’t posted this I wouldn’t have been able to confirm this is illegal what they are doing.

And if you'd bothered to read the very next post, you'd also know what to do about this. That's the person you should be thanking.