- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
Ok, so....Experian sends me a letter telling me that my personal information was stolen in their T-Mobile breach last year. Their generous offer was 2 years of credit monitoring to fix the problem. My thought is what a joke that is.
A couple of months ago I got one of "those" calls - the kind you know are from some vulture agency, bottom of the barrel sort. It was a robocall and left a message for someone with a different name. However, this is where it gets interesting. The name of that person was a fiancée I brought here from another country. We never married, and she returned to her country (long story I won't bore you with) so there is no such person, EXCEPT in the court system records as we applied for a marriage license, which then becomes public record.
I found that strange and knew it was no coincidence so I Googled the number and learned this is a group of scammers. Their MO is they do in fact have your personal information (probably bought off the "dark web" I would guess) and they tell the victim that you owe on a payday loan and if you don't give them made up $$$ right then and there, they are going to come and kill you, have you arrested and tortured, sue you for a trillion dollars and turn you into a slave, etc. You know, all the bullshit the bottom feeders tell you that is illegal.
They first try to contact the victim in question and if the victim is wise or they can't contact them, they move on to the victims relatives and their employer (again illegal but what do scammers care about what the law says?). They must have pegged me as her relative and were going to try to scam me to pay her "loan".
The Paris TX police department posted on their Facebook page this outfit is a bunch of scammers do NOT pay them (which I had already figured out).
I immediately blocked the number, but they called back the following day using a different number and left the same message. I knew at that point they could have literally dozens of numbers and that was going to take a very long time so I changed my number. PITA but well worth it to be rid of this sort of scum.
So I then contacted my mother to warn her about these douches and told her do NOT pay them anything do NOT be intimidated by their threats it's all lies the alleged debt is bogus and doesn't even exist. I told her if you have ANY doubt about that think about it - they are claiming she got a payday loan, but what do you need for a payday loan? A job - which she didn't have as she was only here 10 days. Thus, logically, that should be proof to you that this is total bullshit. You know and I know she never got a payday loan of any sort, but that should be your proof right there, They will claim she got this loan in say 2011 or something, but you and I both know she left the country in 1999. Do NOT pay these douches a penny.
So you know what happens? They call her, demanding payment for "your relative's loan". She said she had been kind of waiting for that, and she told them off. She said they did not bother her after that (I'm guessing if they can't intimidate you into paying they just move on to another victim and hope for better luck).
The moral you can take away from this is never just take the word of some idiot on the phone that you owe money. Make them provide proof. If they can't or won't, tell them to go pound sand. They scream Guido is going to come rip you apart then blow your brains out, tell them to send him your 9 mm is waiting for him with hollow points and you know about "Castle doctrine" and he'd better have his life insurance policy paid up because Guido will be leaving here in a bag if he does that. They scream the sheriff is on his way now, say great I'll be waiting for him - where is he I haven't got all day.
Make them prove the debt. The scammers like this will never sue the debt is totally made up. It's the SAME thing as if I tell you that you owe me 1075.21 from a payday loan you took out in 2013. I made that up, and that's the same thing these scum are doing.
This is all true, folks, and your protections from these douches really are not much to be honest. I asked a lawyer if there is a way to stop these people and was basically told in so many words, no. They operate so far outside the law, you can't really do anything to them in practical terms.
I just want people to be aware of what is going on, so if this happens to you, you can protect yourself as best you can. I also want to make the case that your info is NOT safe with the "big three", not at all. And they aren't the only ones - just look at the whole Home Depot/Target/etc breaches. Once these criminals get your info, only bad things are going to happen, and no one is going to be very interested in helping you even though you are a victim. In fact in the US they are probably more worried about protecting the criminal which seems to be the mindset in America.
Knowledge is power.