I recieved a final notice letter from this so called company called P.N. Financial & Associates stating that I owed they for a credit card from (mastercard) that I had with household bank in the amount of $4,733.41. I never had a credit card for this amount so I knew that something was wrong so I called the number listed on this letter 1-866-588-2440 and a Stephanie stoner answered the phone I asked her about the letter and she stated I had to speak with someone else so a guy name Tom Mason answered the phone I asked him what was going on and told him I did not owe this amount and that I wanted proof he told me oh you do owe this amount it's your name he then read me a social and a birth date and they were not mine when I told him they were not mine he said oh and quickly hung up the phone so I called ght back to see what was going on this so called mason answered the phone and I said what is going on and why did you hang up on me, mason then stated that he was looking at wrong file he then read my correct social and date of birth he knew my employeer and my husbands name. I told him I do not owe this and I was not paying he became angry and said he will take me to court and garnish my wages and since he was so rude I told him I was filing bankruptsy the following day and he asked what my attorneys name was I told him none of his business because my lawyer would contact him by letter stating I was filing bankruptsy against this false claim so mason said oh you are filing then hold on and let me see if we can make a settlement with you so he put me on hold for like 5 sec. Then came back on the line and said we can make you a settlement for 600.00 dollars but he needed either my bank account number with my routing number or my bank card number. I told him no I was not giving him any info till I talk with my attorney so I asked how long do I have to make this settlement deal with you mason stated till sept. 1st. I hung up the phone and knew something was not right so I contacted a law office for some advice and was told there was several red flags here and that I should not pay these people a dime so I hung up the phone and did some good old research myself first of all I contacted HH who they said the card was thru I gave them the info that the letter said and hh told me that that account number was not in my name or my husbands name it belonged to someone else and that I did have one with them but it was 5 years before mason stated that I did and that it was charged off a year letter and sold to an outside company mason stated that I had one in 06 it was charged off in 07 for nonpayment and he stated that I made a payment in 08 and I asked why would I make a payment a year after it was charged he stated he don't know why and that that was stupid of me so I checked this so called company out on line and found out they have been scamming people for years and that they were running under a different name and was shut down and have now open under this name. All the info he gave me about this card I was suppose to owe was bogus so I filed a report with the skokie police, skokie and md attorney general and spoke with the maryland state police about this fraud I was advised to not pay them a penny and told the next time they call me to tell them I know they are a fraud and they are not getting a dime from me and I will see they in court but it won't be for non-payment it will be to put these criminals behind bars forever. I would tell anyone who recieves a letter from this company to report it and not to pay one dime. They believe that one of these criminals either hacked into hh system or is an old worker who was fired and took files with them and changed my social and put it onsomeone elses account to make me pay them. Don't fall victim to these criminals lets work togeather and catch them.
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