acroyear: (number 2 judge)
[personal profile] acroyear
I just fired the following off to the North Carolina DoJ:
There is a scam originating from this phone number. You are called (in this case, my wife was but they were asking for me) and informed you have been sued and must call this number 704-464-1068 (a Charlotte number, hence my reporting it to North Carolina). When you call, you are told about some credit card debt, usually a negligible amount (in this case, about $668) and that they have been trying to reach you for years (in this case, since 2009 going to 2011).

They may have some personal information on you but in my case it was almost 20 years out of date.

They also claim the client* is Wachovia, but Wachovia has been Wells Fargo for several years now**.

The main part of the scam is that they are willing to settle 'pennies on the dollar' (typical scam catch phrase) provided you give them your financial data. I of course did not. If I was really being sued, the settlement would still go through a proper collections agency that's BBB certified or directly through the bank itself.

After failing enough 'sniff tests', I googled and found others harassed by the same operation: http://800notes.com/Phone.aspx/1-704-464-0168/1 . At no point did I give them any new personal information other than the city I live in.  As I did not lose any money, I have no need of 'resolution' - I just think this likely illegal operation should be stopped.
Subsequent googling finds they may be associated with an Atlanta company, "Velocity Payment Solutions".

* in spite of being a lawsuit, they did not use the word Plaintiff

** most of their credit card accounts were sold off to Chase or BoA in order to make the deal get past the FTC and SEC.

The other 'sniff test' failure that I caught was that, in trying to figure out if this was a case of identity theft, I kept trying to pry out of them the date the account was allegedly created. They couldn't give me that. Thing is, that's trivially found because all of that type of data (company, start, end, credit, and debt) is on every credit report around, which would include up to date addresses (especially for someone who has owned a home and refi'ed several times in the last decade). If Wachovia really wanted to find me, it would have been trivial to do so, and if I had a debt of this age and nature (granted, peanuts to my current income), I sure as hell wouldn't have the credit rating to get the refi rates I got).

Date: 2012-08-22 04:24 pm (UTC)
From: [identity profile] blueeowyn.livejournal.com
Actually Wachovia banks in MD just switched over ... I think about 4 or 5 months ago. However, still scammy and smarmy.

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