Collection Agency question.

[legacys7]

Yesterday I'd recieved a call from a local number. A message wasn't left. So out of curiosity, I called back. Some collection agency, who didn't give the name of their company, ask if they're speaking to such n such. I confirmed that they are speaking to me. From there they said that they're calling regarding a debt that is owed and asked for me for my last digits to my social security. I asked, what is the debt regarding. The woman tells me that she can't tell me this without me first giving my last for digits. I told her that I don't give anything without even knowing who is calling me and being discrete about this so called debt. She then asked for my birth date. I refused that too. Concluson. she says, "I'll just disconnect from this phone conversation." My reply, "Bye." 

I've delt with C. A. in the past. And each one never approached me asking for my s.s. or birthdate. They always first ask if they're speaking to me first and then will go into details about a debt, give the name of the debt and source of where the debt originally came from. Anyone ever expierenced this? I'm suspecting a scam. 

[AeroKrix]

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@legacys7 wrote:

Yesterday I'd recieved a call from a local number. A message wasn't left. So out of curiosity, I called back. Some collection agency, who didn't give the name of their company, ask if they're speaking to such n such. I confirmed that they are speaking to me. From there they said that they're calling regarding a debt that is owed and asked for me for my last digits to my social security. I asked, what is the debt regarding. The woman tells me that she can't tell me this without me first giving my last for digits. I told her that I don't give anything without even knowing who is calling me and being discrete about this so called debt. She then asked for my birth date. I refused that too. Concluson. she says, "I'll just disconnect from this phone conversation." My reply, "Bye." 

I've delt with C. A. in the past. And each one never approached me asking for my s.s. or birthdate. They always first ask if they're speaking to me first and then will go into details about a debt, give the name of the debt and source of where the debt originally came from. Anyone ever expierenced this? I'm suspecting a scam. 

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You are right not to give out any information. For all you know, they could of pulled your name out of the white pages and now trying to get verifying information from you. 

Now that this so-called debt collector has initiated contact with you, they must abide by fdcpa... If they are genuinely in fact a debt collector. After initiating contact with you, they must send a written validation notice within 5 business days from the date of that phone call. if you do receive a letter in the mail within 5 business days, then that means the person you spoke with is legitimate...but do only call or write to the number/address listed on that validation notice.

edit: debt collectors typically have to notify you, whether in a letter or phone call, prior to any exchange of information, that "this is an attempt to collect a debt, and any information obtained will be used for that purpose" or some variation of that. Typically when I get calls from people who are "debt collectors" and don't disclose that information, but rather just ask for information right out the gate... RED FLAG for me.

[legacys7]

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@AeroKrix wrote:

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@legacys7 wrote:

Yesterday I'd recieved a call from a local number. A message wasn't left. So out of curiosity, I called back. Some collection agency, who didn't give the name of their company, ask if they're speaking to such n such. I confirmed that they are speaking to me. From there they said that they're calling regarding a debt that is owed and asked for me for my last digits to my social security. I asked, what is the debt regarding. The woman tells me that she can't tell me this without me first giving my last for digits. I told her that I don't give anything without even knowing who is calling me and being discrete about this so called debt. She then asked for my birth date. I refused that too. Concluson. she says, "I'll just disconnect from this phone conversation." My reply, "Bye." 

I've delt with C. A. in the past. And each one never approached me asking for my s.s. or birthdate. They always first ask if they're speaking to me first and then will go into details about a debt, give the name of the debt and source of where the debt originally came from. Anyone ever expierenced this? I'm suspecting a scam. 

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You are right not to give out any information. For all you know, they could of pulled your name out of the white pages and now trying to get verifying information from you. 

Now that this so-called debt collector has initiated contact with you, they must abide by fdcpa... If they are genuinely in fact a debt collector. After initiating contact with you, they must send a written validation notice within 5 business days from the date of that phone call. if you do receive a letter in the mail within 5 business days, then that means the person you spoke with is legitimate...but do only call or write to the number/address listed on that validation notice.

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Exactly. Every C.A, that I've spoken to in the past were more than gladly to send me the information via mail, after the fact of telling me what the debt was, without asking for my last 4 social numbers and birthdate.. I found that odd. 

[legacys7]

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@AeroKrix wrote:

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@legacys7 wrote:

Yesterday I'd recieved a call from a local number. A message wasn't left. So out of curiosity, I called back. Some collection agency, who didn't give the name of their company, ask if they're speaking to such n such. I confirmed that they are speaking to me. From there they said that they're calling regarding a debt that is owed and asked for me for my last digits to my social security. I asked, what is the debt regarding. The woman tells me that she can't tell me this without me first giving my last for digits. I told her that I don't give anything without even knowing who is calling me and being discrete about this so called debt. She then asked for my birth date. I refused that too. Concluson. she says, "I'll just disconnect from this phone conversation." My reply, "Bye." 

I've delt with C. A. in the past. And each one never approached me asking for my s.s. or birthdate. They always first ask if they're speaking to me first and then will go into details about a debt, give the name of the debt and source of where the debt originally came from. Anyone ever expierenced this? I'm suspecting a scam. 

---

You are right not to give out any information. For all you know, they could of pulled your name out of the white pages and now trying to get verifying information from you. 

Now that this so-called debt collector has initiated contact with you, they must abide by fdcpa... If they are genuinely in fact a debt collector. After initiating contact with you, they must send a written validation notice within 5 business days from the date of that phone call. if you do receive a letter in the mail within 5 business days, then that means the person you spoke with is legitimate...but do only call or write to the number/address listed on that validation notice.

edit: debt collectors typically have to notify you, whether in a letter or phone call, prior to any exchange of information, that "this is an attempt to collect a debt, and any information obtained will be used for that purpose" or some variation of that. Typically when I get calls from people who are "debt collectors" and don't disclose that information, but rather just ask for information right out the gate... RED FLAG for me.

Exactly.

[RobertEG]

+1

You dont have to request anything from them.  Simply inform them that you note they have contacted you regarding collection on a debt, and thus you will await their written collection (dunning) notice before discussing the matter, period, and hang up.

The simple fact that they called triggered their statutory requirement to send dunning notice within 5 days.  You dont have to request it.

In a dunning notice, they are required, at a minimum, to provide the name of the current owner of the debt, the amount of the asserted debt, and advise you of your right to request validation of the debt.  FDCPA 809(a).

Often, the consumer still may not recognize an asserted debt simply by the name of its current owner.  Knowing the asserted original creditor is often needed.

Dunning notice does not require identification of the original creditor if the debt collector is the current owner.

If you need that addtional info, you can include that request as part of any debt validation request to you send.

The fact that they did not identify themselves is a clear indication that they may be attempting to prevent your sending a DV to them.

Once you know that a debt collector is collecting on a debt, you can send them a DV request.  You do not have to wait for dunning notice.

Sending a DV will place them under an automatic cease collection bar, which prevents any subsequent calls and/or reproting ot their collection to a CRA until they have responded to the DV.  By not providing you their name, I would suspect they are attempting to prevent you from sending them a DV.

Red lights flashing!!!

[legacys7]

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@RobertEG wrote:

+1

You dont have to request anything from them.  Simply inform them that you note they have contacted you regarding collection on a debt, and thus you will await their written collection (dunning) notice before discussing the matter, period, and hang up.

The simple fact that they called triggered their statutory requirement to send dunning notice within 5 days.  You dont have to request it.

In a dunning notice, they are required, at a minimum, to provide the name of the current owner of the debt, the amount of the asserted debt, and advise you of your right to request validation of the debt.  FDCPA 809(a).

Often, the consumer still may not recognize an asserted debt simply by the name of its current owner.  Knowing the asserted original creditor is often needed.

Dunning notice does not require identification of the original creditor if the debt collector is the current owner.

If you need that addtional info, you can include that request as part of any debt validation request to you send.

The fact that they did not identify themselves is a clear indication that they may be attempting to prevent your sending a DV to them.

Once you know that a debt collector is collecting on a debt, you can send them a DV request.  You do not have to wait for dunning notice.

Sending a DV will place them under an automatic cease collection bar, which prevents any subsequent calls and/or reproting ot their collection to a CRA until they have responded to the DV.  By not providing you their name, I would suspect they are attempting to prevent you from sending them a DV.

Red lights flashing!!!

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And I was telling someone not too long ago about how C.A. play games. But they were in either in denial or work for them.