Hi folks!
Here's a weird one - I've been contacted by some people who have received an emails from an American debt collector, purporting to be collecting a debt from an American bank. While the comms set off all of my "it's a scam" vibe, turns out that the firm does appear to exist, and the email passes through every antispam I've tested it with so does appear 'genuine'....
Subject: Unifin is here to help with your "CREDIT ONE BANK, N.A." account
Body: This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. ....
I can't see how they're going to collect if all they've got to go on is a sum of money and an email address. But advice varies - some people say treat it as a scam, while others say they really could be chasing a debt on behalf of a credit card company.
If you go direct to their website and try to contact them for more information, you can't add a country code for the phone number and so on. So it appears as if they don't consider the possibility that the email address could be for someone who doesn't even live in the USA.
Here's a sample of what I was able to find out - in relation to it legitimately pursuing debts, and how to respond:
https://upsolve.org/learn/how-to-beat-unifin/ , https://lork.nyc/unifin-debt-collect...at-do-they-do/
And, from complaints/appeals perspective:
https://www.consumerfinance.gov/data...sue&tab=Trends
https://www.consumerfinance.gov/data...sue&tab=Trends
If you go to the List views, you can actually see what the complaints were about.
Any thoughts would be greatly appreciated - part of me thinks they should be challenged to prove the debt, part of me thinks CREDIT ONE needs to be contacted, and part of me is thinking it's a scam.
Here's a weird one - I've been contacted by some people who have received an emails from an American debt collector, purporting to be collecting a debt from an American bank. While the comms set off all of my "it's a scam" vibe, turns out that the firm does appear to exist, and the email passes through every antispam I've tested it with so does appear 'genuine'....
Subject: Unifin is here to help with your "CREDIT ONE BANK, N.A." account
Body: This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. ....
If you go direct to their website and try to contact them for more information, you can't add a country code for the phone number and so on. So it appears as if they don't consider the possibility that the email address could be for someone who doesn't even live in the USA.
Here's a sample of what I was able to find out - in relation to it legitimately pursuing debts, and how to respond:
https://upsolve.org/learn/how-to-beat-unifin/ , https://lork.nyc/unifin-debt-collect...at-do-they-do/
And, from complaints/appeals perspective:
https://www.consumerfinance.gov/data...sue&tab=Trends
https://www.consumerfinance.gov/data...sue&tab=Trends
If you go to the List views, you can actually see what the complaints were about.
Any thoughts would be greatly appreciated - part of me thinks they should be challenged to prove the debt, part of me thinks CREDIT ONE needs to be contacted, and part of me is thinking it's a scam.
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