Caller: ARO

They’ve been calling me everyday including holidays for the past few months. I answered once and they they said that I owe money. I asked to who and they wouldn’t tell me. They wanted to verify that I was who they said I was. I said tell me who I owe money to. Wouldn’t tell me. I told them either tell me who I owe money to and why I owe them money or stop calling me. Never told me. I haven’t answered one of their calls since then. They will even call after business hours.

welcome to collections pay your bills!!!

usually you are in collections pay your bill

Caller: ARO

be harassed by ARO for no reason

They call me asking my date of birth for Security Reasons.If I say I am not going to give it than they want my address. They are calling my cell phone also. I do not have a land line had to give it up to save money. They know my situation and still keep calling.

If you want them to stop calling you and you are the wrong person, just call the # back and tell them.
We are just tryin to get a paycheck so if it's a wrong # just say so.

You need to print off your credit report through Trans Union.   It is possible you are a victim of identity theft.   I viewed by credit report and saw The Bay card with a $2,200 balance.   I disputed it and told them that I had reported that card lost/stolen about 10 years ago.

They then removed the debt and now it is off my credit report.   Weird how it never went to collections??

Hi  this is not legal advice only for education. Do you have a contract with the  collection agency? No.
2 Do they have all the documents you sign  for the allege debt? No.
3 Can they provide the CUSIP number the bank assign to the Loan Application? Ask for it.
4 Are they a third party in your in your private business? Yes.
Don't run away ask questions, if they don't answer ask yourself why?

Tips:
...or place a collect call.

Sounds to me you are a victim of identity theft.  I would do a credit check on yourself.  Try Transunion.  If it shows, you can dispute that.  Also, if nothing shows, you know they are a scam.There are a lot of collection agencies that are scammers!

Fax them & tell them to stop calling you.They are legally bound to do so..THERE FAX NUMBER IS (250) 762-4111 ...DO IT !!!! & also any other creditors you Have..If you know the Company`s name,Google them & get there fax # ..Good luck