...caller ID might help...sometimes.
Most likely you are on someone's "auto-dialer" data base and you are getting called.
I used to work on these type of computer systems and know how they work. With any of these systems they can be abused or mis-used.
Valid banking firms that use these systems can use them legally to collect on past or current debt. All of the systems I have worked on displays their "caller-ID" when these messages go out. There is a way of "hiding" your "caller-ID" if you use this system, but all of the "valid" banking firms I have supported - want to use "caller-ID" - so they will not be mistaken as a "bogus" message...(they are trying to collect!).
Messages that are sent out from these "valid" banking firms usally are presented in about three different levels of importance:
1. "This is a call from "City Bank"...we need to talk with you now regarding your account, please call 555-123-4567 as soon as possible, again the number is 555-123-4567. Thank-you."
2. "This is "City Bank" calling regarding your Gold Visa Card that is past due. Please call 555-234-7654. We are open Monday through Friday from 9am to 7pm Pacific Standard Time. Again the number is 555-234-7654.
3. "Hello, this is "City Bank", and we thought you would be intrested in learning about how you have been pre-approved for a Platinum Visa Card from "City Bank". Please call 555-909-1234 to take advantage of this one time offer. Thanks for using "City Bank" and have a great day.
The main items to look for:
1) If you have a "caller-id" does it show it came from a bank / firm that you are = Currently = using?!!
2) If they leave a message with a number (regarding your credit card),
call the number = ON YOUR CREDIT CARD = not the number they gave you. Why? When you call -you know who you are calling (from a valid number that you have printed down in front of you), and they will transfer you to the correct department as needed regarding the message that was left!
3) Just because it "SAYS" it is a "TOLL-FREE" doesn't mean that it is!
Numbers like "800" can roll over to a "809" number which can be a "pay-per-call" number. Here is a link regarding this:
As for your "extended" warranty on a vehicle, I received one of these in the mail stating about the same words that your phone call was about. Mine was a scam, but that doesn't mean that your's is! Some questions to ask yourself:
1)What state do you buy your vehicle in? The "lemon law" and other laws are different from state to state. If you are intrested in obtaining a "extended" warranty, your current state might have some restrictions (e.g. - they sell you a warranty for 5 years, but the state will only allow for 3 years!).
2)Most car dealers will sell you an extended warranty =at the time of purchase= and only then! Why? They know the current condition of the vehicle...after 1 year, no one would know the condition of the vehicle but you! The only thing I have gotten from a car dealer was:
...come buy a new car or your vechile has a manufacture's defect and you need to have it repaired (the Federal Government requires auto companies to send these repair notices out.
== Note: A required repair is different than a "extended" warranty ==
My last comments...
1)Don't give out your address, credit card information, SSN, birth date, mother's maiden name, etc. to:
a) Anyone who CALLS you.
b) Any number someone leaves on your answering machine that you call.
c) If you get something in the mail, it might be fake. Don't just call the number on the statement (even if it says it is from the bank! There is fake letter head out there!).
2)Only give out your address, credit card information, SSN, birth date, mother's maiden name, etc. to:
a) People you have called from numbers you know their TRUE source (back of credit cards YOU USE and account statements).
3)If you do get another call that you suspect is fake and would like to do something about it:
a) Don't give out any information... but collect as much as you can.
1) "Is there a number I can call you back at...?"
2) "Where are you located?
3) "Do you have an address to mail my payment to?"
4) "Whom should I address it to to make sure I get it to the right person?"
5) "Whom am I speaking to?"
b) Collect this information and contact your state Attorney General office regarding this. You can find your state Attorney General office on the web.
Hope this helps!
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