@IsFiveCardsEnough wrote:I received an email from Halsted Financial Services about payment plans on a presumably derogatory account/debt, but the email mentions someone else's name (not someone I know or am related to). This is an email address I've had for over 20 years.
The subject reads: Your Credit One Bank, N.a. account status - <Full name redacted>, please read
The main body of the email reads:
Interest free payments toward your balance of $673.12
Dear (name redacted),
06/23/24
Per our prior communication, your Credit One Bank, N.A. account is now being handled by our office. You do have payment options which can be viewed at info.halstedfinancial.com.
We understand that you were previously making payments on this. We are available to assist you with getting back on track.
We see you made a payment of $60.00 on 08/10/2020 . We have put together some offers that may suit you better.
It is the policy of LVNV Funding LLC, the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by LVNV Funding LLC and will not affect the tradeline of the original creditor or any other third party.
The site appears to be a real financial service if I go to the URL manually. The links in the email point to the site but have long query strings on them so I don't want to click on them to see where they end up taking me, in case it is some sort of phishing attempt.
The email appears to be official, grammatically correct. The only oddity is that it mentions a payment made in 2020, almost 4 years ago. If that was the last payment made on the account, wouldn't they have pursued sooner? I don't know how I ended up receiving this email with someone else's name.
There is an opt-out link but I don't dare click it.
Should I just report this as spam? Delete and ignore? Email them back (separately, rather than replying) to let them know this email was misdirected? I have no derogatory accounts, and no accounts with Credit One (eww... lol), nor have I ever done business with them using this email address, and the name addressed in the email is certainly not me or anyone I know.
Thoughts?
It sounds like a phishing attempt. I would delete and ignore.
@pizzadude wrote:I'd ignore it - either it's a phishing attempt or mistaken identity so you have no obligation to respond.
This would be my course of action.
@IsFiveCardsEnough wrote:I just received another email from Halsted. “Derek - Important: Your Credit One Bank, N.a. Account Payment is Past Due”
My name is not Derek. Also, this is a different name than on the last email. It's probably some sort of spam/phishing campaign. Such idiots.
Delete!
Yes. As mentioned, it's probably a phishing thing.
