Just got a call from this number saying there was a complaint attached to my name. I called back this number (not the number they said to call). Black woman answered and said she would transfer me, then came back and asked for my number.

She then "transferred" me only to be the one who would take my call. I assume she had to get her script ready and get into character. She had my name, address and last 4 digits of my social. Anyone can get this info.

She said I opened up an account in 2008 for a Mastercard and had an outstanding balance of $1000+ and needed to pay it before they send me to court. She never mentioned her company or the bank I supposedly used to open this account.

I asked her what year I opened this account and she changed it to 2008. She was very aggressive and loud. They are taught to control the conversation and to use scare tactics.

I told her I never opened an account in those years. I haven't had a credit card since 2000. I asked her if she was collections and she replied, "no, we are mediation".

I told her I never signed a contract with her company, therefore I don't owe them anything. She said, "good luck in court" and some other stuff I couldn't understand and hung up.

This is an obvious scam. They prey on the weak and naive. Use common sense people. They try to control by fear. Don't buy into it.

I traced the number and it's a land line out of Pennsylvania. And they claim to be mediation.

They work on a Law of Averages. They'll get so many people not buying their BS call to eventually getting someone who will believe them and pay up.

I know they have a "revolving door", meaning, employees (if you wanna call them that) are always coming and going. And I'm sure they have a daily/shift quota.