I too recieved a letter from JBC Legal Group. Oh boy, was this fun. Mine asked me about identity theft. The second was that my letter said I had out a "bad check" for $243.49 to CVS Pharmacy.
That really made the lights go on. First, there is not a CVS Pharmacy within 100 miles of where I live, and second, I would have known about a $243 bad check right away. Before I did anything, I called my bank of the past seven years and asked them if they could search my account history from the past seven years to see if I ever had a check written to CVS Pharmacy for $243.
Not only did I not have a check for $243, I never had one written to CVS. OK I thought let me call these people and find out what this is all about. I call I ask to speak with Lori Brown, whom I did not get to speak with. They make me give them the account number before I say anything. I get asked if I lived in Rhode Island in 1994. I did. They said they have a bad check written in RI in 1994 to CVS Pharmacy on this other bank (which had been bought out some time ago) I said OK, Yes it is possible that I could have written a check to CVS Pharmacy in 1994 on my old bank.
I asked for the check # all that good stuff, they said that they could not give it to me, but that they could give me the date. I keep all that stuff even from that long ago. I had one check written to CVS in 1994. For $13.49. I called JBC back, and I said I went into my old cancelled checks. I did find a check written in that month to CVS, but it was for $13.49. Their representative said yes that was the check. However I caught this guy directly in a lie and a big one at that.
First he said that CVS filed suit against me in Rhode Island. Those were the court costs. I worked with the courts in my lifetime and knew that it was very unlikely that they would have filed suit over $13, but I did know the phone number to the district court. I called. No CVS never filed a case against me. I called CVS too, they said that they had no record of me having a "bad check". RI statue of limitations is seven years. I called JBC again. I also told them my husband is with the military and has to have a high security clearance.
Part of obtaining his clearance deals with credit checks, which also involve me. I too have had to be bonded to work in a job where I was handling large sums of cash, and again they do a background and a credit check. I also told him how we filed bankruptcy five years ago, and in that process, our BK attorney did multiple checks with all three of the major bureaus, and said we are going to include them if you owe them $1. I did ask to speak with the manager. I said if this old dead check is such a concern to you, I will pay you the $33.49 ($13.49 for the check and $20 for the NSF fee).
I got threatened with having my drivers liscense suspended if I didn't pay the full $243.49. I filed complaints with the attorney general in RI, NJ and VA where I live, as well as the better business bureau. Guess the laugh is on them. Oh, and none of their "lawyers" are liscensed to practice law in NJ. Scammers!
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