John receives a phone call this morning from a female with a stern voice, "Mr. Cano, this is Jayne Miller from DMS systems, we are a private collection agency hired by LeNor's Family Furniture regarding a delinquent account that requires your immediate attention, which includes the remaining balance of $3,987, but for a one-time payment today of $1,500, we will indicate on the balance portion of your bill as paid in full and clarify your credit record."
John: "How can I pay for this? Do I have to go to the furniture store?"
Jayne Miller: "If you have a credit card we can do this over the phone, but first I need to confirm your identity. Are the last four numbers of your social security 7685?"
John: "Yes"
Jayne Miller: "Is your address still 680 Shaw Avenue, Fresno, California, Apartment 206?"
John: "Yes it is?"
Jayne Miller: "Are you still employed with Fresno Community hospital?"
John: "Yes..I am?"
Jayne Miller: "Excellent, if we can complete this transaction in the next thirty minutes, we'll reduce your payment an additional $100 dollars making your total balance $1,400, but you need to act immediately or else your total balance can change to $15,000 in the next three years. You will then receive a subpoena by mail to appear in civil court and you'll be issue a arrest warrant if you fail to appear."
John: "Let me get my wallet."
This is a actual true story. The names have been changed to protect the innocent...ok..enough of that bullshit...but this scam is for real and people, like my poor neighbor, are buying into this scam and losing their hard-earn money because they truly believe that they are saving tons of money. What makes these scams believable is by the amount of knowledge these caller(s) have regarding your delinquent account, social security number, home address and telephone number etc...and this is happening now specifically in our area!
Do not give anybody your credit card number unless: You have conducted business with that person(s) or that company previously, If it's the 1st. time you are making a business transaction make sure it is a reputable company or do a little research or background on that person, MAKE SURE YOU KNOW WHO YOU ARE TALKING TO! And look for the red-flags, for instance, you should of been receiving a few notices in the mail regarding a past-due account before that business paid money for a collection agency to come after you or before sending a subpoena. And what about this arrest warrant issued in your name for not paying your bills bullshit...c'mon...seriously...what is this North Korea? If you happen to receive one of these suspicious phone calls then get your local Police off their asses and have them do their job! Also it wouldn't be a bad idea to notify the city's Chamber Of Commerce about this scheme because they have various ways to alert the public for you never know the next victim could very well be your Abuelitos, who are the biggest source of victims! https://www.consumer.ftc.gov/blog/debt-collector-real
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