He Keeps Calling Because He’s Loan-ly

, , , | Working | October 15, 2019

(I’ve been getting calls from an unknown number, and since I’m always at work when they call, they leave a voicemail. The voicemail is aggressive but vague, saying I owe thousands in loans that needs to be paid back at once. They never say who they’re calling for, what company they’re with, or a number to call back with. Finally, I’m off for a day when they call.)

Me: “Hello?”

Scammer: “Hi, this is a final notice on your debt. If you cannot pay, in full, we will be taking legal action.”

Me: “Okay, is this before or after I sue you for harassment?”

Scammer: “Excuse me?”

Me: “First, you’ve called me almost every day for months. You’ve threatened me for payment on loans I have never made. Either you have the wrong person, or this is a scam.”

Scammer: “No, our records show you owe thousands to [Credit Card Company].”

Me: “Okay, then you have a wrong number. I don’t have a credit card.”

Scammer: “You owe thousands! You have to pay!”

Me: “Okay, what’s my name then? Even just a first name.”

Scammer: “It’s Mary.”

(My name is not even remotely close to Mary.)

Me: “Wrong. I want the name of your company.”

Scammer: “We’re with [Credit Card Company].”

Me: “You are not. You said you were collecting on a loan. You are either a fraud company or have been given an incorrect number.”

Scammer: “F*** you! I’m going to show up at your house and kill you!”

Me: “And now you’re threatening me with violence. Goodbye.”

(I hang up. The next day, I get a call from an 800 number, but a different voicemail is left.)

Voicemail: “This is [Caller] at [Credit Card Company]. I’ve reviewed a call you had with a collector and would like to extend a sincere apology. We have removed your number from our system. If you would ever like to open an account with us, I can see what offer I can make for you, though I understand if this interaction prevents you from working with us. I hope you have a wonderful day.”

(I suddenly stopped getting calls.)

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