Dozens of North Carolinians are calling our Consumer Protection Division to report calls from scammers posing as debt collectors. Consumers describe these calls as harassing and intimidating. The scammers may call repeatedly, even contacting people at work, and often use phony names designed to sound like a law firm or government agency.
If you get calls demanding that you pay a debt that you don’t think you owe, remember:
- Never share your personal financial information with anyone you don’t know who contacts you.
- Check your credit reports for free at www.annualcreditreport.com or 1-877-322-8228 to spot any unauthorized credit cards or loans taken out in your name.
- Consider a free security freeze to block unauthorized use of your credit.
- If you get one of these calls after applying online for a credit card or loan, file a complaint with the Internet Crime Complaint Center at www.IC3.gov.
- Legitimate debt collectors should be able to provide you with written proof of a debt. They are not allowed to use profanity or threaten you with violence or arrest, and they must follow rules about when and how they contact you.
- You can report complaints about debt collection scams as well as legitimate debt collectors to the Attorney General’s Consumer Protection Division. Call 1-877-5-NO-SCAM or visit www.ncdoj.gov .