This morning my wife got a call from Hamilton Jacobs & Associates proclaiming to be collection agency working with Wachovia Bank to collect $900 from an overdrafted account that was closed in 2014. They demanded payment on the spot in the form of a checking/routing number or a debit card or else they will send the debt to Cheksystems and freeze all of her accounts at all banks. They had her SSN, phone number, and an old address. When she declined and requested mailed proof of the debt, they became VERY aggressive and a screaming match ensued between my wife and the female representative. A male representative got on the phone and again threatened to send the debt to Cheksystems and have all of her accounts frozen if she didn't pay right then and there. Apparently this company has been doing this for a while with multiple examples on BBB and other scam alert sites with the same exact details (Wachovia Bank, overdraft account closed 2014, has personal info).
I've been handling all of our finances since 2013 so I know every company and penny that we owe. There's nothing on her credit report but they did have her SSN so she's super freaked out by that. I just checked her credit report for any changes (there's been none) and froze all of her accounts at all 3 credit bureaus.
Is there anything more we could do to protect her credit? Should we report this to the police?
Submitted September 10, 2020 at 08:41PM by Nubia420 https://ift.tt/3k1c4yg
