8008308574

I have received 7 calls from this number asking for verification for a crefit card I do not have. They will not remove my number from their call list, even after I told them they had a wrong number. I intend to report them because I believe they are scam artists and told them so.

Also a computer voice said it was First Citizens Bank of South Carolina.

This is legitimate.  PNC uses this service to verify recent purchases (usually large).  They call you, you give the last 4 digits of your card number and they have you verify the last few purchases you made.  Gone through this is a couple of times.

Hung up immediately and called wellsfargo myself, they told me it was invald number and there was nothing listed on my account for them to be calling me about.

I just got the call today and they specifically said that they are from the transaction review department calling on behalf of my bank with re:transactions I made using my credit card. Called the bank directly and I was informed they dont have the call back number and the caller's number in their system, they arent in anyway affiliated with those numbers. The bank employee was glad I called them and I was glad as well. You decide if its a scam or not.

The computer generated voice said they were calling from my bank (they named the correct bank), and said that they wanted to review some recent transactions from my debit card account.  I called back, and got a message that asked to verify my telephone number, which I did.  Then it asked for the last 4 digits of my card, at which point I hung up and checked the number online.  I've been told that my bank would never ask for that information over the phone, which is why I became suspicious.

Definitely legit.
I made a large purchase for computer parts at Newegg.com using my Comerica VISA card. Then I received an automated message on my messaging machine asking me to call back and verify my transaction.
The entire process is computer automated. Basically you call back (preferably with the number that they called you on) and it asks you to verify your telephone number. Then it asks for the last four digits of the card you recently made purchases with. After that, it will tell you your first, middle, and last name and that you verify that.
Then it will tell you the last five transactions you made with the amount. For example, you made a restaurant purchase in the amount of $5.00. For each transaction, it asks you to press 1 if you authorized it, 2 if you're not sure, or 3 if you know you didn't authorize it. And it does this for all five transactions.
Apparently, Comerica, PayPal, and several other banks use this automated service as a fraud protection to ask and make sure any large purchases were made by you. It can't be fraudulent because it doesn't ask you for anything other than the last four digits of your card, and it also correctly states the amount of the last five transactions you made.

Called Comerica, my bank. Number is legit. If you question it, call your bank's customer service line and ask them to verify the number for you.

I just verified that this is a legit number.  It is a company that banks hire to make sure no one stole your card.  My card was flagged because I made a $400.00 purchase.

All this number asks for is the last 4 of your card.  It then tells you your name and reads off the last few transactions on your account asking you to verify each one.

In my case the automated attendant verified my last 5 paypal debit card transactions. If you are afraid don't call them back but don't plan on using your card either. your choice

Just like Frustrated, I have been receiving calls from this number.  I do not know the person they are asking for and they will not remove my number.  I contacted PNC (one CSR let it slip that they were calling for them) and they would not verify the number used.  I guess I will wait for another call tonight and ay into them again.  This could be fun if it wasn't so darned annoying.

This is legit, you;ll know soon enough when your card won't work!

Watch out for this number, I did not call them back, googled the number and got to this website.  They left a message stating they were from PNC bank calling about transactions on my debit card.  Checked my account and no problems, these scammers are scum.....

This number is legit. They called to verify the last few transactions on my company card. Turns out they were fraudalent. They cancelled my card immediately.

Not a scam.  They were calling to verify a $2900 charge I made this afternoon to purchase airline tickets.  I called my bank directly, and it really was someone representing PNC.

I got a voicemail from this number saying it was from my bank. They asked for my wife and I passed the message along to her. She called the number and realized they were a scam. She didn't give out any information, but thank God she called them and not me. I probably would have gave out sensitive information.

If you get a call from this number, don't answer the phone. They are a scam!

Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
 Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at tlcpetmommy@gmail.com.

© petmommy copyright 2009 All rights reserved

I got a call from this number today wanting to verify my Wells Fargo C/C transactions. I did not give info and called Wells Fargo. They said it was a legit call from their security dept.

They are legit. They are a third party verification service for PayPal. If there is too much activity on your PayPal card they call and ask for the last 4 digits of your account and ask you to verify the last 5 transaction that you made on your account just to make sure that it was you who made them.

I received a call from this number about some suspicious activity with my Visa credit card that I have through my credit union (America First Credit Union).  An attempt had been made to spend $1,200 in Cleveland Tennessee at Walmart.  The charge had been declined according to the person I spoke with on the phone.  I called America First to verify that this had been a legitimate phone call and they confirmed the attempt and I canceled my credit card immediately.  THIS IS A LEGITIMATE COMPANY, NOT A SCAM!!!!!!!   If you receive a call from these guys then it is possible someone may be trying to use your credit cards.  If you still have trust issues with the number then please call your bank or credit union and confirm.