Got a call from a CA that refused to identify themselves...asked for me, butchering my name in the process, I said yes, would only give her first name and repeated twice asking to speak with me. I guess I had to say "yes my name is John smith"....whatever. She asked for me by name 3 times and I said yes to all 3 requests. Looked them up with the number from the caller ID, turns out its a CA that is, or at least was known to contact consumers on old debt typically past SOL. So, do I: Do nothing. ---- Call them back to find out who the alleged debt is tied too ---- Got an address on the particular office that called me....send modified Val LTR demanding no phone contact and lots of info on this 'debt' ---- They were known for buying up two big CC companies accounts, ironically one is OC tied to the CA that I'm waiting on some money from for a FDCPA no-no from last month.
I wouldn't call them back - I would keep an eye on CR's and then, if you see any additional negatives appear, proceed w/ the 3rd option you mention.
If you search for their company name, you can find their headquarters (if you need help, I can look them up if you PM me their name or phone number). I personally send them a letter telling them it's inconvenient for them to contact me in any way other than by postal mail, and demand validation. If they're calling my cell phone, I include an ITS for violating Section 808(5), with a copy of the suit that I will file. "§ 808. Unfair practices [15 USC 1692f] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (5) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees"
Thanks Jason and Jam. Jam -- PM'ed. It is my cell they're calling. Would 808 (5) apply, if my cell is the only number I have, and is the one reporting on all my reports?
The key is the incursion of expense for the call. It doesn't matter on 808(5), the TCPA it WOULD MATTER because of the "Express Consent" rule, as long as that number was given by the OC.
