I got a call today and the rep said he was from Card Services. So, I asked for the address and phone number. He gave me a Delaware address. I then asked where he was and he said Texas. So, I asked for his company name. I said I was concerned with identity theft. He gave a different company name. I really think he let this slip out accidentally. So, I asked if he lied to me originally about who he was with, and the phone got quiet. FYI for those who get a call saying they're from Card Services. Ask for addrsses, company name, and rep name. If they give you a different address from Card Services in Delaware ask for his address and company name. It appears some collection agencies are calling and using Card Services as their company name. I don't recall the name of the company he said but it began with a P and was in texas. So much for protecting identities huh.
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Funny, I received a phone call from Card Services as well. The man did not ask for my name or anything, simply launched into "I'm so and so from Card Services and I would like to verify your credit card information." I asked WHO was Card Services, WHERE was he calling from, WHO was he wanting to talk to, and WHICH credit card he was calling about. He hung up. I *69'd the call, but was told the call was either out of the area or marked private.
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As far as I know, you have no obligation to speak with parties outside of the original creditor. I received a few calls a while back from "card services." Even though they appeared to be representing credit card company that I have a debt with, I still refused to speak with them. I was particularly bothered by the fact that they wanted me to verify my phone, address, last four of SSN, etc. I simply stated that I do not share any personal information over the phone. SEND ME A LETTER. Then they state they needed to verify my address in order to send a letter. I repeated I don't share information with someone I don't know and hung up. Sometimes I think these folks might be "work from home" contractors.
I also wonder if some banks, credit unions, cc companies have violated my privacy rights.
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