Received a letter from CAMCO in October stating they were trying to collect on a debt from 1992 for Bank of America. Stating that the balance owed was $1300.00 with intrest due of over $1200.00 but they wanted to offer me a great deal... For just $585.00 they would send me a letter saying that this supposed debt was paid in full.
I was shocked a debt for over 11 years and no one had ever contacted me before??? I know that I have NO outstanding debt with Bank of America and have NO accounts with Bank of America. Something didn't sit right. I asked for something as proof that this was a valid debt... An old application??? A report from Bank of America stating what this was??? Something??? The calls stopped... Maybe problem solved... NO!!!
In April the calls started again at home... One female who you couldn't understand on the machine even on super slow play... Then Edward Montana at ext. 3132... First a message at home to which I called back... Then a message at work... Then a message at home to which I called back... Explained to him that I really needed some proof that this was valid... I got nothing!!! I was then asked to pay $780.00 by the end of April and they would send me a letter stating I was paid in full... Hmmm... Still no proof... He was more than willing to do a check-by-phone for a good faith payment... Still no proof... I asked for proof again, he responded that I know this is a valid debt because the last 4 digits of your social security number are XXXX... I explained to Edward I can't believe that I have lived in the same house for over 10 years and had the same phone number and no one has ever attempted to call me before...
I let him know that I was very unsure of the situation and I would consult my lawyer for advise... He again told me that I would now have this on my credit report and the only way to clear it was to make a payment to them over the phone before 48 hours had passed... I was so frustrated I ended the call with Mr. Montana and I did check with a lawyer... It's a SCAM!!! They have NO RIGHT to be even calling me!!! They use the fear of reporting you to the credit bureau and the constant calls to work as intimidation tactics... The are way outside of the legal debt collecting practices and have been reported to the Federal Trade Commission more times than we could count...
Do not pay these people a dime!!! Write the FTC... Your local Government... Don't let them continue extort money from unknowing individuals anymore!!! There are legal steps you can take in writing to them to cease and desit the calls and harassment... Please be very careful in what info you release to these people they are DOGS!!!
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