Consumers across the country are reporting high pressure, threatening phone calls from collectors for payday loans that consumers say they don’t recall.
Recently a consumer in Lewisville, TX, asked BBB Dallas about a disturbing phone call from a man claiming to be with a law firm collecting for debt on a payday loan. The caller threatened her with a lawsuit for fraud if she didn’t pay up. Although the consumer had taken out payday loans in the past, she didn’t recognize the name of the payday loan business.
“I realized this didn’t sound right … I hadn’t received anything from any attorney’s office about being sued nor had I received any emails, ” the consumer said. “So I tried calling back the next day and couldn’t get an answer. I truly believe this is a SCAM to cheat me out of $676.29.”
She was worried because the caller claimed to have personal information about her, including her bank account. She went to her bank and cancelled her debit card.
“Will you please tell me what other steps I need to take?” she asked BBB.
BBB advises that consumers have a number of protections under the Fair Debt Collections Act, enforced by the Federal Trade Commission (FTC). Consumers can demand documentation of a debt, and can ask a debt collector to stop calling. For a fact sheet about consumer rights when dealing with debt collectors, see
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