This company has continually called and harrassed my husband and I on a daily basis stating that I owe them $600 in interest and fees for a department store credit card debt that was supposedly incurred in 1992 or was it a capital one credit card opened in 1995? I have been told both stories by this company.
When I ask who they are, their response is "we are the people you owe money to" and when I request proof of this supposed debt, they talk over me and drown out my questions. After much research, I have found that these people buy bad debts from other companies that have charged off and then try to collect on that debt. It doesn't matter to them if the debt is actually yours or not and any protestations to that fact will be drowned out by them talking over and down to you.
However, they have graciously extended an offer to remove the negative credit information they are reporting on me from my bureau report if I will just send a check for $275 to a post office box somewhere in Illinois. They refuse to give me an actual street address and the correspondence sent to me lists 2 separate p.O. Boxes in 2 different cities. The number that they have called me from on a daily basis originates from Jamaica - an 876 number that has been notoriously linked with scams.
If you have been contacted by these people - DO NOT send them any money. I have found an attorney's website that are looking for people that have been unjustly harrassed by this and other similar companies. Go to edcombs.com, there is an "actions" page that lists your rights under the fair debt collections act. Alot of what these people are doing is illegal and I for one, would like to see them put out of business.
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