I received a phone call on 2/19/2010, “on Behalf of Chase Bank”. A credit card from a former acquaintance has about a rather high bill that is past due. At one time I was an “authorized user” of the account and had a card, but the account was not in my name, and did not have my name on it in any other way.

Without getting in to all of the details, the person on the phone told me I should “do what’s right” and pay the balance, continually insulted me, and repeated several slanderous statements about me by the card holder.

Thanks to caller ID I know the number, 877-298-2251, which belongs to “Creditors Financial Group”.

After doing some digging, it seems Creditors Financial Group is famous for calling anyone and everyone demanding money.

The good news is, Chase acknowledged I have no accountability on the account, have submitted to my credit reports “just in case” that I am not responsible, and are sending me a letter to state the same.

I’ve learned a few things since then as well. If Creditors Financial Group calls you demanding money you do not owe, let them know they are in violation of the Fair Credit Reporting Act and not to call you again. Call the credit issuer (Chase in my situation), and tell them about it. And, if they still keep calling after that, you can report them to the FTC.

Lastly, you can always blog about it, and have a high Google rank for Creditors Financial Group, like I do!