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“I knew I had paid [the payday loan] off, but 5% of me thought, ‘Well maybe…’” she said. That’s why I filled out the complaint.” And that’s why Marquart agreed to describe her experience to “Two years ago I got a divorce and I thought, maybe it’s my ex, but it wasn’t.” That’s why phantom debt scam calls work; if they can create just a little doubt in a consumer’s mind, criminals have a chance to exploit that weakness and make a killing. “If I help just one other person who might fall for this kind of thing, it’s worth it,” she said.An email sent to what appeared to be ACS’s main office was returned as undeliverable.But an email sent to the address that contacted Marquardt yielded a surprising “comment” for the story.To be clear, I have not applied for a payday loan recently, or ever.But consumers who have done so likely are facing at least some financial trouble, so they make good targets for intimidation.She was warned that her wages could be garnished or her property could be seized.
Remember, debt collection accounts can damage your credit.The money was successfully deposited into your bank account.