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Old 11-01-11, 10:51 AM   #1
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Threat this morning from collections agency

Sooo, I guess there's another guy that goes by the same name as me, and has the same work phone number that I do.

Apparently, I had an ambulance ride that I never paid for. I *did* have one, but it was 2 years ago (bike wreck), and paid for. My wife had one last year (went out like a light after taking meds), but that's been friggin paid for as well.

The way the individual handled the telephone conversation was quite rude! She assumed she had the right individual, and didn't budge. She said 'well, didn't you have an ambulance ride?'. I told her yes, because she didn't specify a date to go with that. Finally, she asked me what my last four of my ssn was, bingo... not me. 'Oh, I'm very sorry about that, you can ignore this call'. I've never been called by collections, it seemed quite threatening.
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Old 11-01-11, 11:20 AM   #2
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Heh, my dad used to use my info for his crap, so I would get calls for him all the time. When I told them I didn't give a crap and I don't know where he is, they would ask me to find him for them. I would respond by telling them that they had a better chance of finding him than I did.
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Old 11-01-11, 11:26 AM   #3
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it seemed quite threatening.
What, exactly, did they threaten?
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Old 11-01-11, 11:32 AM   #4
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What, exactly, did they threaten?
My credit report. I guess it wouldn't have really been mine though.... but still. It wasn't cool at first.
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Old 11-01-11, 02:21 PM   #5
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I have had this happen to me. In my case, they left several messages and I was able to get the CID from the phone. I 'googled' it and was lucky enough to get the name of the agency that is havdling the collection. Then I called their office (not the number on the CID) and told them very firmly and politely that they had the wrong person/number and they are not to call again.

On the other hand, the Toyota dealer was a bit more problematic to get off my back. I gave them my cell number for some service so they could call it when the vehicle was done. They apparently gave it to an advertising agency (strike 1) which does automated voicemails. Then I got a call about a labor day sale (strike 2) and drove over to confront the service manager in person. He said he "took me off the list". Two weeks later, another voicemail (Strike three). Now they have an FCC complaint to deal with.
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Old 11-01-11, 11:28 PM   #6
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I got to handle quite a few calls for people looking for my ex-wife. They'd ask if I was her husband and I'd truthfully answer no. I'd take their message, but she wasn't there at the moment (and never had been). Fortunately, by then all my money was in accounts in a different state than her's were in, and all established after our divorce, so I wasn't worried about the collectors getting it.
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Old 11-02-11, 12:10 AM   #7
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Some stranger called you and you gave the last four numbers to your S.S.?
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Old 11-02-11, 06:50 AM   #8
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Some lowlife deadbeat named Angela gives our phone number as hers on what must be numerous accounts. Very annoying.
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Old 11-02-11, 06:54 AM   #9
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Sooo, I guess there's another guy that goes by the same name as me, and has the same work phone number that I do.

Apparently, I had an ambulance ride that I never paid for. I *did* have one, but it was 2 years ago (bike wreck), and paid for. My wife had one last year (went out like a light after taking meds), but that's been friggin paid for as well.

The way the individual handled the telephone conversation was quite rude! She assumed she had the right individual, and didn't budge. She said 'well, didn't you have an ambulance ride?'. I told her yes, because she didn't specify a date to go with that. Finally, she asked me what my last four of my ssn was, bingo... not me. 'Oh, I'm very sorry about that, you can ignore this call'. I've never been called by collections, it seemed quite threatening.

Years ago....almost 20 to be more precise, I had a collector that kept calling my house looking for someone I didn't know. I repeatedly informed the jackhole that, and he would get really belligerant on me. I finally reported his butt to the authorities...and tracked down the company he was working for. I sent them a "drop dead" letter. He called me again. I reported it to the phone company and never heard from him again.
I usually am not mean spirited, but this guy was such a jack hole, I really hope he lost his job over that.
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Old 11-02-11, 07:59 AM   #10
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Some stranger called you and you gave the last four numbers to your S.S.?
omg - wtf was I thinking ***** I didn't think about that. Welp, there goes my identity.
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Old 11-02-11, 08:07 AM   #11
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Well, now that I feel like throwing up... anyone care to help me figure out what to do next? I feel like I just got hosed. Fantastic.
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Old 11-02-11, 08:17 AM   #12
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kill yourself, get a death certificate. zombify yourself and get a zombie birth certificate. use this to get a new SSN. Also, you only gave them the last 4, so they still have 5 to figure out. Why would you be hosed or have to puke? Stop and take a few deep breathes, bro. It is going to be okay.
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Phobias are for irrational fears. Fear of junk ripping badgers is perfectly rational. Those things are nasty.
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Old 11-02-11, 08:50 AM   #13
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When I first bought my house in the mid '80's - I started getting harassing phone calls from a collections company - for furniture - they would not listen to me at all. And then finally one evening - this guy came to my door - he too wasn't nice at all - till he produced paperwork and I stated that that WOULD have been my married name - had I taken it and I showed him my social security card. Friggin idiots.

But more with that girl with my "married" name. Evidently she worked at a CVS drug store and she was constantly late - as I would get phone calls periodically on Saturday mornings (just loved them coupled with my hangver).

And then she finally was caught robbing a drug store.

My friends thought that was special as it appeared in the paper too.
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Old 11-02-11, 08:58 AM   #14
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omg - wtf was I thinking ***** I didn't think about that. Welp, there goes my identity.
The last 4 are hard to come by. When I was working in medical record I could tell where people where born by the first three of their SSN.
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Old 11-02-11, 09:20 AM   #15
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I think I'm out of the rough. Feeling much more at ease.

You never know these days, and giving out that information to someone over the phone that makes the call to you, worried me at first. I figured it out from the number that called me. They called me at work, so I had to ask the IT folks (IP address phones here).
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Old 11-02-11, 09:23 AM   #16
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I think I'm out of the rough. Feeling much more at ease.

You never know these days, and giving out that information to someone over the phone that makes the call to you, worried me at first. I figured it out from the number that called me. They called me at work, so I had to ask the IT folks (IP address phones here).
Make a note for the future..."I'm sorry, I don't give that information out over the phone. I can come by your office and we can discuss this face to face."
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Old 11-02-11, 09:23 AM   #17
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kill yourself, get a death certificate. zombify yourself and get a zombie birth certificate. use this to get a new SSN. Also, you only gave them the last 4, so they still have 5 to figure out. Why would you be hosed or have to puke? Stop and take a few deep breathes, bro. It is going to be okay.
Well I dunno, how about you tell some random individual your last 4. I might be completely wrong but the rest of your SSN can be figured out once someone knows where you were born, your age, etc... at least part of the rest of your SSN. That's just me assuming though, I don't know that for sure. I wouldn't be surprised if that's the case. I also gave them my cell phone # after they told me they need a number to call that isn't my work number. D'oh.
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Old 11-02-11, 09:31 AM   #18
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Maybe, maybe not. I figure if someone wants to rip me off, they are going to rip me off. Had my Amex card used by someone, most likely from an Ebay / paypal transaction, but I was able to prove to Amex and the merchant that they got scammed and did not pay anything.

I would not be too concerned that you gave out your partial SSN. The call was probably on the level. Look at your Caller ID and see if you can call the company back and verify that they are who they say they are. At the very least, this might give you some peace of mind. Or google the number to see what other input it out there on the web about the caller.

Here is what WIKI has to say about SSN stucture.

Structure
The Social Security number is a nine-digit number in the format "AAA-GG-SSSS".[22] The number is divided into three parts.
The Area Number, the first three digits, is assigned by the geographical region. Prior to 1973, cards were issued in local Social Security offices around the country and the Area Number represented the office code in which the card was issued. This did not necessarily have to be in the area where the applicant lived, since a person could apply for their card in any Social Security office. Since 1973, when SSA began assigning SSNs and issuing cards centrally from Baltimore, the area number assigned has been based on the ZIP code in the mailing address provided on the application for the original Social Security card. The applicant's mailing address does not have to be the same as their place of residence. Thus, the Area Number does not necessarily represent the State of residence of the applicant, neither prior to 1973, nor since.
Generally, numbers were assigned beginning in the northeast and moving south and westward, so that people on the East Coast had the lowest numbers and those on the West Coast had the highest numbers. As the areas assigned to a locality are exhausted, new areas from the pool are assigned, so some states have noncontiguous groups of numbers.

The middle two digits are the Group Number. The Group Numbers range from 01 to 99. However, they are not assigned in consecutive order. For administrative reasons, group numbers are issued in the following order:[23]
  1. ODD numbers from 01 through 09
  2. EVEN numbers from 10 through 98
  3. EVEN numbers from 02 through 08
  4. ODD numbers from 11 through 99
As an example, Group Number 98 will be issued before 11.
The last four digits are Serial Numbers. They represent a straight numerical sequence of digits from 0001-9999 within the group.

On June 25, 2011, the SSA changed the SSN assignment process to "SSN randomization".[24] SSN randomization will affect the SSN assignment process in the following ways:
  1. It will eliminate the geographical significance of the first three digits of the SSN, currently referred to as the Area Number, by no longer allocating the Area Numbers for assignment to individuals in specific states.
  2. It will eliminate the significance of the highest Group Number and, as a result, the High Group List will be frozen in time and can be used for validation of SSNs issued prior to the randomization implementation date.
  3. Previously unassigned Area Numbers will be introduced for assignment excluding Area Numbers 000, 666 and 900-999.
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Phobias are for irrational fears. Fear of junk ripping badgers is perfectly rational. Those things are nasty.
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Old 11-02-11, 12:01 PM   #19
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It is more irritating when they start trying to serve you papers for your ex wife. Later you remarry and your new wife has to show them ID to get the sheriff and process servers to leave you alone.
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Old 11-03-11, 08:35 PM   #20
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Sooo, I guess there's another guy that goes by the same name as me, and has the same work phone number that I do.

Apparently, I had an ambulance ride that I never paid for. I *did* have one, but it was 2 years ago (bike wreck), and paid for. My wife had one last year (went out like a light after taking meds), but that's been friggin paid for as well.

The way the individual handled the telephone conversation was quite rude! She assumed she had the right individual, and didn't budge. She said 'well, didn't you have an ambulance ride?'. I told her yes, because she didn't specify a date to go with that. Finally, she asked me what my last four of my ssn was, bingo... not me. 'Oh, I'm very sorry about that, you can ignore this call'. I've never been called by collections, it seemed quite threatening.
What company are you with, again? And your name, please? Thank you. Please send me a copy of the debt in writing and stop calling me at any number.

Never admit to anything with a collector, make them do it all in writing. Once you get the written demand for payment, return a letter (by certified mail) stating that the debt is not yours and to cease all collection attempts. When they keep trying, you start documenting the harassment and file complaints with the FTC and your state's Attorney General. And, if it's not yours and you want to get really nasty, you sue them in court!

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On the other hand, the Toyota dealer was a bit more problematic to get off my back. I gave them my cell number for some service so they could call it when the vehicle was done. They apparently gave it to an advertising agency (strike 1) which does automated voicemails. Then I got a call about a labor day sale (strike 2) and drove over to confront the service manager in person. He said he "took me off the list". Two weeks later, another voicemail (Strike three). Now they have an FCC complaint to deal with.
I had the same thing happen with a Jeep dealer. I contacted the service manager a couple of times and a general manager once and then finally called the owner directly. He was extremely apologetic - maybe because I told him my next call would be to the BBB, FTC and AG - and asked me to call him if I received any more calls. They stopped, but a couple of months later, I got another one and called him directly and since then, I haven't received any more of those calls.

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omg - wtf was I thinking ***** I didn't think about that. Welp, there goes my identity.
Go to Experian (https://www.experian.com/fraud/center.html) and put a fraud alert on your account. It's free and for 90 days, if someone wants to get credit in your name - including you - they have to call a number you provide for approval. That number, of course, is yours. It's not foolproof, but it does make it harder to steal your identity. I've used that plenty of times... the Navy's posted my SSN in various places a bunch of times.
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Old 11-06-11, 06:18 PM   #21
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Invite them over to discuss it with you. When they arrive, stab them in the eye socket with a DeWalt cordless drill. Watch how quickly they stop calling.
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Old 11-06-11, 06:32 PM   #22
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Invite them over to discuss it with you. When they arrive, stab them in the eye socket with a DeWalt cordless drill. Watch how quickly they stop calling.
Ooh, I like the way you think!
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Old 11-06-11, 06:57 PM   #23
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Invite them over to discuss it with you. When they arrive, stab them in the eye socket with a DeWalt cordless drill. Watch how quickly they stop calling.
Be professional please.
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