Thank heaven I researched who these people are!! Received a letter under a name I haven't used for 20 yrs saying I owe over $23,000 to a bank I have never heard of and no idea who these people are! Just purchased a car so I have supposedly have something this ridiculous in "collections" would have shown up! All that aside from the fact that I have never not paid my bills! I was sickened...so glad to find this is a scam!