I have received phone calls and also received letters from them stating that I have a debt from a store and that they are simply collecting that debt. When I have asked them to disclose the name of the store they refuse to do so. They have also stated perhaps I have been a victim of a identity theft. Yet when I have ask them to take me to court for this debt they just simply end the phone call. Later a month or two I receive a letter in which they in for me that I should settle this debt by simply making payments. I strongly believe that this is a fraud. WATCH OUT! read full review »