I received a call from Global Group Services in regards to a pay day loan. The rep Robin stated she was calling in regards to two loans that were taking out in 2013 the first loan was $300 and the second loan $400 which both are now $700 and will increase. Really? A collections debt can not continue to increase!! Then she confirms, my address, SSN, email address, bank info. I then tell her I never took out a payday loan in 2013. But I'm documenting everything you say. She says you can dispute it but you may not win. Well send me the dispute information and why is this not on my credit report? She states it will not be placed on a report until they start a wage garnishment. Well Robin enjoy cause I am unemployed after 20 years. Retirement is great so you won't get a penny. I then ask why haven't I received a call or mail during the interim. She claimed it was mailed to the address they have on file with no response that's a lie cause I never received any mail nor calls. SCAMMERS. If I took out a loan in 2013 from a loan provider of $300 they are not going to issue a second loan of $400 until the first is paid in full. I am not happy that they have my personal information on file trying to use it to SCAM me. The bank information is clearly wrong. These companies need to be SHUT DOWN!! They're using robo calls to contact me with a local area code. She never gave me her business contact information, account number to reference the debt, nothing. So I'm  going to wait to receive a letter to dispute it and ignore it.

Well known debt scammers here, but you should protect yourself since they have your info.

Criminals masquerading as debt collectors attempt to extort money from people by scaring you into believing that you will be criminally charged (they use the bad check or hot check claim a lot) and go to jail, lose your driver’s license, have wages garnished without actually being sued or going to court, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt.  One of the tricks they use is to call your family, friends, neighbors and/or places of employment (past or present or both) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money.  They will use the words “Mediator”, “Arbitrator”, or “Law Office” to make you believe that they are something other than a debt collector want-a-be and that they don’t have to follow Federal and State collection laws.  They do have to follow those laws, but they won’t.  They mention that they have received a Fax document, to create the sense of urgency.  They also tell you that if you fail to call them back you are "waiving your right to council", which is pretty much nothing but hogwash.  They also use the “process server” ruse who calls and claims he is going to serve you, but then says you could avoid it by calling another number where they will ask for money to “make it go away” (this is actually the same place, they work in teams, one pretending to be the server, and the other usually pretends to be a lawyer).  Process servers do not ever call ahead so that you can dodge them.  Process servers get paid to serve papers, nothing else.

If you feel you SSN has been compromised, in addition to putting a fraud alert at the 3 credit bureaus, you may want to notify the IRS.  Here is the link, fill out the proper form (probably 14039). Also file a report at the FTC Identity Theft web site as well as learn what else you need to do:
http://www.irs.gov/Individuals/How-Do-You-Rep ... aud-Activity%3F
https://www.ftc.gov/faq/consumer-protection/report-identity-theft

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

Read up on your rights here and also make a complaint at this government site:  http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   http://800notes.com/faq/attorney-general
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