Description

Subject: Complaint Regarding Fraudulent Debt Collection Call and Threats of Legal Action To Whom It May Concern: I am submitting this complaint to report a fraudulent and threatening phone call I received from an individual identifying himself as a “representative named Phillip.” This caller claimed that I owed 30% of a $3,400 payday loan that I have never applied for, never received, and have no knowledge of. On the call, the individual stated that if I did not immediately pay 30% of the alleged balance, I would be served at my home using my real address and real county within five business days. He also threatened that the matter would proceed to court and that my wages would be garnished if I did not comply. I attempted to clarify the situation by asking whether a payment arrangement could be made, and the caller became frustrated and refused, insisting the payment must be made in full immediately. He then hung up on me. The initial call came from (347) 378-6938, but during the voicemail he instructed me to call back at (855) 717-7356. When I called this number, the same individual answered directly, confirming it is connected to him. This appears to be a debt collection scam, as: I do not owe any payday loan or related debt. No written validation of the alleged debt was provided. Threats of legal action, wage garnishment, and service of process were made, which legitimate collectors are prohibited from doing. The caller refused to provide any documentation and immediately demanded payment. I am requesting that the Better Business Bureau investigate the entity or individuals associated with these phone numbers and take appropriate action to prevent further harassment and potential financial harm to others. Thank you for your attention to this matter. I am available to provide additional information if needed.