First, contact the bank to verify the arrears and raise objections to the arrears. If it is determined that the credit card was not issued by you, you can call the police.

What abnormalities can be considered a collection scam

Withholding information from you:

Debt collectors must tell you information such as the name of the creditor and the amount owed. And if you dispute a debt, a compliant collector will verify the debt information with the creditor and provide you with the details of the debt by email or in writing. Fake debt collectors and real scammers will use various excuses and even promise various reductions and exemptions to lure you into the scam.

Forcing you to pay via money transfer or prepaid card:

Scammers like these payment methods because they can be untraceable and it will be difficult for you to get your money back. Legal debt collection will require you to transfer funds directly to the creditor rather than to their account.

Threatening you to go to jail or impersonating a government official:

But beware, if you do owe a criminal fine or restitution, you could be arrested for not paying back.

Say they will tell your family, friends, and employer:

Some scammers will try to get you to pay up by threatening to disclose your debt to family, friends, co-workers, or your employer. . In fact, debt collectors are generally not allowed to tell others the details of your debt without your consent. They can only ask others where you are so they can establish contact with you.

Ask you to provide sensitive personal financial information:

For example, your bank account, license plate number or social security number. Never provide your personal financial information to anyone unless you are sure they are legitimate. Scammers can use your information to commit identity theft.

Call you at inconvenient times:

Debt collectors cannot call you at unusual times or places or at times or places they know to be inconvenient. Telephone. If you receive a call before 8 a.m. or after 9 p.m., you may be dealing with a scammer.

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