A supposed collection agency call in the region of a debt I know isn't mine & they simply adopt Western Union. Fishy? All the person on the phone be able to confer me is

All the person on the phone be able to confer me is the amount, credit card no., and the name of the untested debtor (First North American Bank) who they say sold the debt to Jefferson Capitol. A little research shows that these are both valid entities and the ridge was the issuer of Circuit City credit cards which I unquestionably NEVER had. The unusual thing be that the person on the phone wouldn't adopt credit card payments, just Western Union. I've deal with collection agencies and they are other more than happy to pinch credit card payments. Do you think this is some sort of scam? I didn't dance running out to the nearest Western Union location to send them over $500 contained by case you're wondering. And another uncommon thing - this "debt" is not on my credit report. Sounds like a SCAM.

Western Union payments are not reversable once they are sent so they are the favorite remitter for scammers.

If a company or individual you don't know is asking for money via chain (Western Union, Moneygram, etc) it is usually a scam. Look up the number for the bank or Jefferson Capitol and telephone them. If they say you do owe the debt, ask for documentation. You will probably hold to do this in writing but they should make clear to you what their procedures are if it is a legitimate phone up. SCAM!

Whether or not its on your credit report isn't relevant, but never promise with them by phone. Insist on written communication solely.

Answers: Tell them: Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt. Follow this up contained by writing.Do not have any further contact near these people over the phone.
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