LTD Financial Services (a collections agency) received my information in error because my SS# had been mixed up with another companies FedID#.
So for 2 weeks they called my house while I was at work and argued with my mom saying I had a delinquent account with Dell Business Credit and that we were being deceptive and that they had been calling since October and I was not returning their call. (None of this information they bothered sharing with me when I called them) When in fact they have called a total of 3 times, the first being on February 23rd, the second being on February 27th and the 3rd and better be last time today, March 7th.
I returned their call on the 27th and was asked by a guy named Will if I knew anyone named Julian, if I know of some street in Florida and if I had ever heard of CAT 2000. He didn't tell me anything about a delinquent account or anything like that. It was like he was trying to be an interrogator and "trick" me into confessing something.
I told him I had no idea about any of the things he asked me about and then I asked him what information he had about me and why they had been calling me. He told me that the only information he had about me was my name and phone number and that he would do some more "investigating" and tried to hang up on me.
I continued to ask him what information he had about me because I was concerned that it may have been identity theft or something and wanted to know if I should contact my bank, etc. He continued to say he didn't have any information on me and still at this point had not explained to me why exactly they had been calling.
I realize it wasn't there fault that they were misinformed by Dell but they were the most unprofessional, rude, ignorant people I have ever dealt with.
Every time my mom or I spoke with one of their representatives they were extremely rude and we both got the feeling that they were more like scam artists then a professional that was actually trying to resolve some issue.
So far at this point I don't feel that they "ripped me off" in any way but caused a great deal of stress and frustration because of their unprofessional way of going about things.
I hopefully resolved the issue today by contacting Dell myself (which I realized I should've done in the first place) and speaking with one of their reps who acknowledged the mistake and was able to locate a company in their database that had the same FedID # as my SS#.
All in all it was horrible dealing with LTD Financial Services and I hope to never have this mix-up again, especially if it means dealing with that company.
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