Complaint Review: Total Card Inc

     In 2010 I started getting calls from ZenithAcquisitions Corp saying I owed $300.00 and since they had the last 4 numbers of my social security number I need to pay this.  After many calls and talking to the police they finally gave me the name of Total Card, Inc and the last 4 numbers of the credit card on 4-24-12. 

     I could not find any information on them so I turned this over to Better Business Bureau of Omaha, Nebraska and they received a letter dated 5-12-12 saying they had sent me a disclosure consent form and they would need that before releasing any information  BBB closed this in 10 days since they had not heard from anyone.

     I finally received a letter from Total Card, Inc. dated 5-12-12 (but it was postmarked 5-21-12, which makes me think they never had my address.  Also enclosed was the consent form, which I have not signed yet.

     The letter from Total Card Inc said the debt was regarding a Plains Commerce Visa xxxx.  It also said this account was opened 10/5/06 and charged off for non-payment 1/4/07. 

     Enclosed, please find a copy of the information used to apply for the account, the first and last statement on the account for your review.  (There was nothing enclosed).  This account has been sold to Zenith, please direct all account inquiries to them.

     I checked my apartment lease and I moved here 06/06/06 so there would be no excuse for never receiving a bill.  I do not believe I ever had a Plains Commerce Credit Card but to be sure I want the information they said they sent.  Any ideas on what to do next?

     After reading your reports on Plains Commerce, The Total Card and Zenith I do believe I am being scammed.