Linda7 Posted February 17, 2012 Report Share Posted February 17, 2012 I have a well known collection agency that started calling my home phone several weeks ago.They never left any message for a long time, but finally did leave a message that they were calling in regard to a debt and they left a call back number.I called it back and they started wanting my information, name, address, etc., but could not find anything. They wanted the last 4 digits of my ss#, but I wouldn't give them that. So, after looking at everything they could think of and finding nothing, they didn't know what to say.A few days went by in silence, but now the calls are coming again. When I answer, there is no one there and in a few seconds the call hangs up. And if I leave it for voicemail, we are again back to no message left.What would you do? Link to comment Share on other sites More sharing options...
usagi555 Posted February 17, 2012 Report Share Posted February 17, 2012 C&D them. You'll have to use your phone number to identify yourself, because that's all they have. If they call after they've received the C&D, send them another letter that says Summons at the top. Link to comment Share on other sites More sharing options...
BV80 Posted February 17, 2012 Report Share Posted February 17, 2012 This is your landline right? Not a cell? Link to comment Share on other sites More sharing options...
Linda7 Posted February 17, 2012 Author Report Share Posted February 17, 2012 This is your landline right? Not a cell?Yes, a landline. Link to comment Share on other sites More sharing options...
bad98roadster Posted February 17, 2012 Report Share Posted February 17, 2012 I have a well known collection agency that started calling my home phone several weeks ago.They never left any message for a long time, but finally did leave a message that they were calling in regard to a debt and they left a call back number.I called it back and they started wanting my information, name, address, etc., but could not find anything. They wanted the last 4 digits of my ss#, but I wouldn't give them that. So, after looking at everything they could think of and finding nothing, they didn't know what to say.A few days went by in silence, but now the calls are coming again. When I answer, there is no one there and in a few seconds the call hangs up. And if I leave it for voicemail, we are again back to no message left.What would you do? If it were me, I'd send a dispute letter. Include your address and the phone number they're calling. *optional-send a "phone calls at any time are inconvenient" You stated that they started calling you weeks ago. You can already allege a violation for missing the 5 day period in the FDCPA.(§1692g(a)). You can also allege violations for not disclosing they're a debt collector, but you know all that... Link to comment Share on other sites More sharing options...
Linda7 Posted February 17, 2012 Author Report Share Posted February 17, 2012 If it were me, I'd send a dispute letter. Include your address and the phone number they're calling. *optional-send a "phone calls at any time are inconvenient" You stated that they started calling you weeks ago. You can already allege a violation for missing the 5 day period in the FDCPA.(§1692g(a)). You can also allege violations for not disclosing they're a debt collector, but you know all that...When they looked up my name/address/phone number, they couldn't tie that in with any debts they were trying to collect, so how could I dispute the debt when they couldn't find one?Also, they said their name when they left the message and said they were attempting to collect a debt, so they did disclose they were debt collectors. Link to comment Share on other sites More sharing options...
bad98roadster Posted February 17, 2012 Report Share Posted February 17, 2012 When they looked up my name/address/phone number, they couldn't tie that in with any debts they were trying to collect, so how could I dispute the debt when they couldn't find one?Also, they said their name when they left the message and said they were attempting to collect a debt, so they did disclose they were debt collectors.They called you.They stated that they are a debt collector.You send them a dispute letter. Link to comment Share on other sites More sharing options...
usagi555 Posted February 17, 2012 Report Share Posted February 17, 2012 They called you.They stated that they are a debt collector.You send them a dispute letter.What would she be disputing? It's not uncommon for debt collectors to continually call the wrong number looking for someone else. Simply C&D them and be done with it.Linda7Linda7's addressLinda7's phone numberSCODB Collections AgencySCODB Collections Agency AddressRE: Collection calls to <Linda7's phone number>Dear SCODB,You have continually been calling my phone, yet you don't seem to have a debt that you allege that I owe. Cease and desist all contact with me immediately.Have a nice day,Linda7Send it CMRRR. Log all calls from them. When you get your greencard back, if there are any calls more than 1 day after they received it, send them a summons. I've had debt collectors call my house looking for a person whom I think is fictitious. This is before I knew how to be a real PITA with them. It would take about 2 weeks of first nicely telling them that the person they're looking for does not live here, has never lived here and I do not know them, then quite literally saying "Listen you dumb MFers..." Link to comment Share on other sites More sharing options...
WhoCares1000 Posted February 17, 2012 Report Share Posted February 17, 2012 You could DV on the fact that they really do not know why they are calling you. They would have to stop calling until they can validate which they cannot because they do not have a debt for you in the system.As for the last 4 digits of your SSN, that is a rouse. There are 100000 possible combinations of the last 4 digits of you social security number (10^5). All are not used but I am sure enough are. How easy would it be to come up with someone with the same last 4 digits of their SSN that is close enough (or maybe across the country) where the collector (whose computer you cannot see) says is your debt? The real debtor could be dead with no estate and they are trying to salvage their investment. You really do not know.In the alternative, just send a C&D. What are they going to do, sue you when they do not even have you in their system?Also, I send out the C&D letter on the 2nd call, I do not wait 2 weeks unless the 2nd call comes 2 weeks after the 1st. Link to comment Share on other sites More sharing options...
Linda7 Posted February 18, 2012 Author Report Share Posted February 18, 2012 Thank you all for the input! Link to comment Share on other sites More sharing options...
Linda7 Posted February 23, 2012 Author Report Share Posted February 23, 2012 Update.I sent the letter and they received it and called again two days later after signing for my letter.When I answered, this time someone finally spoke and asked for someone I don't know.Now what . . . . . Link to comment Share on other sites More sharing options...
bad98roadster Posted February 23, 2012 Report Share Posted February 23, 2012 How did you reply? Link to comment Share on other sites More sharing options...
Linda7 Posted February 23, 2012 Author Report Share Posted February 23, 2012 How did you reply?I didn't get to say much of anything. I was first shocked that anybody was really there as before when I answered, they would just hang up.But, after saying "Hello" about 3 times, finally I heard someone ask for an individual that I didn't know. I asked them again "Who?" and they repeated it and I told them they had a wrong number. The funny thing is, I remember this same name being asked for about a year ago and I told them they had a wrong number back then too.The thing is I gave them the number twice in the letter I sent and told them to "only" communicate by mail. Even if they did have a wrong number (again) - I gave them the phone number they had been calling. Shouldn't that have pulled something from their records to get them to stop? Link to comment Share on other sites More sharing options...
bad98roadster Posted February 23, 2012 Report Share Posted February 23, 2012 What do you want to do with this particular debt collector?Do you want to pursue a claim against them? or do you just want to get them to stop calling you? or... what? Link to comment Share on other sites More sharing options...
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