I have excellent credit, have never missed any payment or been late on anything, and carry no debt on my credit cards.
Today I got a letter from the Law Offices of Mitchell N. Kay, with a reference number, and balance due of $116.82.
Creditor: RJM Acquisitions Funding LLC, assignee of Fingerhut.
In bold letters: AN OPPORTUNITY
RJM Acquisitions is reporint the above account as "delinquent" on your credit report. Upon receipt of $116.82, RJM will
UPDATE ITS REPORTING OF THIS ACCOUNT TO PAID-IN-FULL WITH A ZERO BALANCE ON YOUR CREDIT REPORT
They explain that to ask them them anything but how to pay, you must send them a request in writing within 30 days. Their 1-888-744-3431 number just has payment instructions.
I have never bought anything from RJM or Fingerhut.
After reseaching a bit and finding some of the same scam on this site, I called Fingerhut, which turns out to be a catalog retailer. Their customer service person asked me who the letter was from and gave me this number to call: 1-800-886-0026. This turned out to be RJM, where a lady asked me for the reference number, then said that I showed an item from October 1996 listed as "NCM BASE First US" for $116.82. I told her I had no idea what that was. She said she would clear it and send me a letter. I asked her how this happened and she said she didn't know.
I guess a percentage of people assume they forgot to pay some bill and just send them payment. I think either RJM or this Mitchell N. Kay is involved in this scam where they send random collection letters to people, but maybe it is some kind of computer error.
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