Consumer complaint received 2015-11-03
Company: TRUSTMARK CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My parents received a phone call today from someone at XXXX referencing claim # XXXX. They were told that they are attorney 's and have someone out to serve me papers today between XXXX and XXXX. My father has the same name as I do except I 'm the " XXXX ''. They gave him my last XXXX digits of my SSN and he told them no one there has that. They became rude with him. 

I was at the doctors office getting my XXXX XXXX checked when my parents called very worried. They gave me a phone number and claim number. I stepped outside and contacted them. The man answering connected me to another man 's voice mail and I left NO message. Called again and they forwarded me to a woman named " XXXX ''. She told me I needed to pay a debt to " XXXX XXXX ''. Explained I do n't remember ever having a credit card. She said the address they had been sending information to was in XXXX XXXX XXXX. Told her I had n't lived there for nine years. She then said I owed close to over $ 5K but if I set up a six month payment plan they would reduce to {$1500.00} with six payments of {$260.00}. Told her this sounded odd and with all the news about fraud I needed proof. She then told me that if I did nothing right now that the person would serve me papers and they would sue me and garnish XXXX % of my wages. She said they can not take credit card or payment information over the phone and that she would have to send me the form to fill out and sign with credit card information via email. Told her she can send it to me for my review but that I do not agree to anything. She said " ok. '' She also stated that she will email the company they are using to serve me papers and delay them for a few days. She said she needs to have the form sent back within two days or they will charge the full amount owed and serve papers. 

Received an email with XXXX PDF attachments from her with no body in the email. I have that email if you 'd like a copy. Went to my parents as it 's my mothers birthday today and then came home. Looked up the company on the internet and found no information about them Their name on on of the attachments is " Trustmark National '' with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On the other attachment in the email containing a blank form to enter credit card information has a " Third Party Authorization Form '' with " Nationwide Payment Solutions '' in the text and a phone number on the bottom of the form of XXXX. Looked that phone number up online and it 's not attached to any business. 

After doing internet searches for all companies she said she represented, no phone numbers she gave me or called me from meshed with any of the businesses. 

Called her back and was told she was in a " meeting ''. Left her a message telling her that in XXXX and XXXX the statues of limitation of collecting that debt has expired. Also told her that by law she needed to mail me via USPS details on what the debt she is referencing is. Have yet to receive an email or call back. 

The other thing I found very odd is that she never once asked me for my current mailing address, yet she referenced the last XXXX digits of my SSN. 

This is just terrible because both my parents have health issues relating to their XXXX. They did not need this, especially on my mothers birthday. 

For the record, I lived with my parents when I moved back to XXXX nine years ago for a few months but never used their address as my mailing address. 

Appreciate what you have done trying to combat these predators. 

Thank You, XXXX

Company response to consumer: Closed with explanation