A person named Diane Miller called me from this number regarding a Providian Credit Card account, according to her.  She was very nasty and verbally abusive, when I told her this was not my account.

I just got a call about a Wells Fargo account . The girl said she was from McBird and Associates a servicing agent.
This a scam. They change their number to call and company often. When they call the cell screen says "no caller ID'

These scumbags threatened a lawsuit on some J P Morgan Chase account I had some 15 years ago.  Said they were sending someone over with important legal papers.  First of all McByrd is not licensed in Florida.  Any debt is passed the statuate of limitations.  I told them I was going to counter sue them.  I believe they have stolen accounts from Calvary Portfolio.  Do not pay them anything, EVER.  I will file a claim with FDCPA on them.

Never let bullies on the phone confuse extortion with debt collection. Honest debt collectors do not typically send their claims straight to a judge, and they don't take your ransom money to broker quick deals with so-called "process servers". There are no secretive "arbitrators", "assessment specialists", "detectives", "investigators", "mediators", or "prelitigation specialists". They are sweaty double-talking criminals with a script full of coercive remarks. Lawful debt collection is a process, not an ambush, and you are due a chance at each stage to raise a dispute. The agents' horrid threats are empty and their conduct is illegal. Do not reward lawbreakers with your money. Challenge them always, sue them if you can.

FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

See also this FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

If you get a call out of the blue saying you owe a debt, did you get anything in the mail? No? Well, if you have a debt that has gone to collection "You got mail". You'll get mail, and lots of it. From every few days, to once a week. There will be a letter in your box from a brick and mortar collection agency. It will have their name, address, & phone number. It'll show who you originally owed, for how much, and how much it will cost to settle it. Any call you receive telling you that you owe money, tell them to send you proof in the mail. US Mail, not fax, text, or email.