Victim Location 33617
Type of a scam Debt Collections
I was contacted by Cobalt Financial Group Asset Recovery stating there was fraudulent activity concerning my social security number. On initial contact, I was told that I or someone had taken out a payday loan using my social security number, previous address, personal bank and employer. The person told me that the amount of the payday loan was $200 and they were trying to collect $400. I told them I would contact my bank and see what they said. Upon contacting my bank about this payday loan, there was nothing confirming an attempt, such as non-sufficient funds logs, by a lender to withdraw any sum of money for the date specified. I called Cobalt back with the information from the bank and informed them of what was said. At this time the amount of the payday loan changed from $200 to $300 and they were now trying to collect $480. They asked in turn how I wanted to resolve the situation as they were attempting to help me out by having me resolve this outside of court proceedings. I told them I would need validation of the debt and they refused. The person stated that was taken care of by the creditor and not their problem and that I should have received the information in 2013. I asked for the physical address for the company and for the business license or registration, which they refused to provide, so I could verify the information on the Florida State website. The person got mad and started rattling off a bunch of things supposedly from the FDCPA website. I had already reviewed the FDCPA website to learn about debtors rights as well as researching the attorney generals websites to inform myself about scams and such because the situation felt really strange.