Portfolio Recovery called me today. He asked for my wife so I was curious about what he wanted since I take care of the finances. He asked me who I am and I said I am her husband. Without hesitation, he gives me her last four of her social. (Now I am worried how he got that) I say I can not confirm or deny that and I ask him how did he got that information. He tells me we are calling on behalf of debt of Capital one. Once again given out information without me confirming. He then gives me my wife DOB in which I did confirm it is because now I want to know what's going on.
He tells me the amount owed $3000 which was NOT what I was expecting. I tell him that's the wrong amount because we never had that much credit. Then asks me how I would like to pay it. I siad I did not confirm the debt but, he replies I did by giving the DOB.
In all honesty, I thought he was talking about our secured cards through capital which are active and good. That is why I replied " We have never had that much credit before" Also, the card in question from 5 YEARS AGO. It only had $1500 on it. Even with fee's, it should not have doubled.
Advice? Next, I asking for a debt verification letter.
There may very well be violations of the Fair Debt Collection Practices Act that have occurred. Now is the time for you to consult with a Consumer Rights Attorney to discuss this situation. When all of the content of the conversation remains fresh in your mind, you should right it down so you have the ability to refresh you memory when the time comes that you have to have the details. Use the "Find a Lawyer" tab above to locate a local Attorney in your area that practices in the Consumer Rights area.
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I agree; now would be a good time to discuss this with a local attorney who handles consumer rights defense. If they contact you again, you can ask for verification, and should volunteer no further information, or you can ignore them - the latter course having the risk they will pursue a lawsuit.
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