I know there was a recent post about this here, but I thought I'd ask and see what other 'scams' are floating about.
Here's the back story:
I had a CC from a bank, wasn't able to pay it while I was unemployed for some time. Years passed, forgot about it, got a phonecall from a collector last year some time about it. I'm gainfully employed now so I opted to pay it off. Got confirmation, all paid and dandy, Bank satisfied, collector satisfied, etc.
Yesterday I get the message... "You are pending legal action from XXX Bank, they are alleging fraud, theft, blah blah blah." I call them back today and they are trying to collect for the same CC!
I call the number back and they pull the same routine...
Quote:
Them: "You are currently in pending legal action with So&So Bank, whom is alleging Fraud and Theft, almost like you took the money & Ran. It's our job to represent you and work with the bank, maybe negotiate down to a settlement. Would you like to settle for $xxxx.xx today? You do only have 24-48 hours to resolve this matter..."
My response: "I've already paid this with another agency. Why are you calling me? This matter is resolved."
Them: "Well the bank is alleging X, Y and Z and we're calling to see if we can resolve this before it goes to court."
Me: "How's that going to work if I've already paid it?"
Them: "Well do you have this other agency's info offhand?"
Me: "No, I don't exactly keep that 'handy' information on me. This matter is resolved, don't call me ever again."
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So is this common? For a debt to be settled and then yet another agency to try and collect on it as well? Should I worry that the 1st agency didn't report the matter resolved? My roommate warned me about something like this as well, when she applied for a pay-day loan (never got it) and an agency tried to collect on some ridiculous amount...