I received a letter by mail with my home address, my first and last name, but a different middle initial. I called the toll free number listed on the letter as the account listed was with a bank that I have never had a loan with. The lady answering the phone asked for the reference number which I gave her. She then transferred my call, the phone started ringing, then clicked, and then a recording came on that said my call could not be completed as dialed. I then hung up the phone. Within a couple of minutes my home phone rang and it was someone calling me back from this company.
The woman on the phone started asking me all kinds of questions. She wanted me to give her the last four digits of my social. I refused. She asked me if my middle initial was M (this was on the letter I received), and I told her no. She then wanted to know what my middle initial was. I told her I was not giving her any information and what kind of a scam was this anyway. She became very irate, told me this was my debt, and screamed at me that "This is very serious - do you understand that?" We have tried to call you and talked to you in September. I told her that no - they did not. Well, she then said, your address was changed the first of October and you previously lived at such and such (an address in another city that I have never lived in), we have a P O Box in such and such (never had that either), and your phone number was such and such. These were all addresses in my state, but I have never lived there. The phone number was not even in my area code. She then remarked that "You own your house with your daughter", and she knew her name also. What that has to do with this is beyond me. I guess they just did a search on the internet for a person with my first and last name and figured they would harass me.
When this person finally realized that I would not give her any information; she then starting trying to joke around and lighten up the conversation. She said she would remove this address from their files and annotate that I was not this person. What worries me is that if they had contacted someone young and naive or someone older that they could confuse; there is no telling what kind of information they may have gotten out of them. She could have then just changed the information on the account and possibly ruined someone's credit or even tried to collect money from them for something they did not owe. She did finally rattle off the last four digits of the social of the person that really owes the money, and it was nothing near to mine.
I never gave her any information much to her disgust. She was totally rude and unprofessional, and I just want to make sure this company is reported.
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