Description

So my fiance received a call while he was at work from a private number. They knew his name and was asking for me. They gave him a 855 number to call with a case number. They called me after under a private number with the same information. At the end of the call she told me "you've been served". I know you can't be legally served over the phone but I called anyways just to see just in case as I've never been in trouble with the law before. The lady that answered the phone said they were the law office of Arnold and Phillips and she transferred me to another lady. All 3 of these women I spoke to had a strong country accent. The last lady I spoke to said I had 3 federal charges pending against me from Ace Payday loan in Bexar county (San Antonio, TX). I did live there for a few years and I did take out an $100 loan but I wasn't able to make the payments because I couldn't work and had to take care of my disabled child. This woman had my entire social security number, dob, previous address and knew I was living in Cape coral now. She said that I was going to be charged with fraud by check against a financial institution because Ace tried to pull payment but I didn't have the funds. She told me that if I didn't pay like 2k in full or make a payment plan then they would proceed with the charges against me and that I would be extradited back to Bexar county. First she said if I did a payment plan it would have to be paid within 90 days. Then she said she could see if I qualified for a hardship extension that would extend it to 6 months with 30% off. She put me on hold for a few minutes then came back saying I was approved to have it extended out for 12 months and the payment would be for 100 something monthly. She asked me when I could make the first payment. When I asked how I would make the payment, she said that she would take my banking information or card number over the phone and there would be automatic payments taken out. I told her that it didn't make sense for ace to be suing me over $100 nor did it make sense that nothing came up when I searched for their law office. Plus she said they worked out of Birmingham Maryland. She told me if I didn't call back to have this resolved, they would proceed with the pending charges. After getting off the phone, I called Bexar county clerk of courts. I spoke with someone in felony court and in civil. Both told me there was nothing under my name, not even pending charges and that I can not be served over the phone as it's illegal. They both told me not to answer their calls anymore and that I need to see how my information was leaked.