Got a "collection notice" from these clowns in my DAD'S name, but MY address. It's for a Capital One account that they say $7115.94 is owed on, but they have been "authorized" by Capital One to settle for $3771.45 IF I pay by the 22nd of this month (20 days from the date of the notice).
I DO have a Capital One account, but in MY name, and it's in GOOD STANDING! The account # is totally different. And it's impossible I could have run up that kind of balance, because my REAL account has a limit that's below even the "settlement" amount.
The address thing blaffles me. The only thing Dad and I have both our names on was when he co-signed with me for a car loan from Ford Credit. And that should have been paid off back in 2003 when I traded that car in. And I was living with HIM them, so my current address should have been nowhere near that account...
From what I've just read on here about this ARS outfit, at best they're rude and underhanded - at worst, they could be ID theives?
*I* have my credit monitored, with nothing strange reported as of the last quarter... But Dad? I highly doubt it. He dosen't do any 'net or even phone business. I don't even know if he has a credit card. But let's just say he does NOT live a "clean" life these days, and while the people he hangs out with are generally "white trash, blue collar" scum - it's highly POSSIBLE an ID theif could have gotten ahold of what s/he would need to start a Capital One account in his name.
I'll try to call when I get a chance, but it sounds a lot more like HIS problem than mine at this point... If ARS even has a REAL debt in his name! _
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