Description

I was contacted by; JAA aka Jones , Allen Associates on 09/23/2025. Phone number 615-219-5753, by a person named Braden at Ext. 101 and also a lady upon calling them back later that day. I can't remember her name, same telephone number Ext. 113 He said that a complaint had been filed against me and I had 48 hours to respond. That's all the time he could allow for me to research what he was telling me. He said it was with Fifth Third Bank, and it orginated in 2010. He gave me the last 4 digits of my old checking account. After speaking with Fifth Third, I found that it was correct. I didn't ask for the whole account number from Braden, nor Fifth Third. I probably should have, it was creeping me out that Braden had the partial information that he had. He said that I owed for a CREDIT CARD purchase in the amount of $1,338.00 and it had accrued at an interest rate of 14.99% which brought the total to $4895.84. He also mentioned the last 4 digits of my social security number, and my full birth date. Braden said that this was a credit card purchase, from 2010. I told him that I have NEVER owned a CREDIT CARD. This made me suspicious of them, so I Googled the name of the company and the phone number and couldn't find the company located in Nashville (because of the 615 area code). The number when googled mentioned scam postings for this company from other peoples. I contacted Fifth Third and spoke with a Branch Manager. He confirmed that I did have a checking account ending in the last four-digits, Braden had mentioned back in 2010. But, NEVER a CREDIT CARD ACCOUNT and the old checking account was closed, showing no balance. Next... I contacted BBB, and they only found a location in California with no ties to Nashville. BBB, also tried the number with the same results of people complaining of scams.  I contacted the County Clerk's Office, to see if any judgements were pending for my name, since I had only 48 hours to respond. I contacted them and they showed nothing and said if I had anything pending that I would have been served with papers.  I contacted the  FTC, (Federal Trade Commission). I made a report to them. FTC, also suggested that I contact the credit bureau at Transunion. I requested a fraud alert for 1 year, and a copy of my credit report.