This organization is a complete rip-off. They called me insisting that I had a debt from an account I used solely for debit card purposes. A woman, Lisa, claimed that I had insufficient fund charges on the account which with penalties and interest came to $348. That didn't sound right because I closed the account two months earlier, and the bank never mentioned I had any unpaid charges, in fact, they refunded an overage charge and gave me the rest of the cash in my account.
I refused to give them a credit card or debit card over the phone without proof that I owed it. Lisa got huffy when I said I wanted proof of the debt before paying it, saying "you are ruining your relationship with Bank of America". I took their letter to the bank (the only one I had ever gotten, and it was misaddressed) to ask if there was anything in that closed account that would have generated a collection action. NOTHING! Even Bank of America said this was a scam, and they had never referred anything to them in connection with this account.
I have reported them to the Attorney General consumer fraud division for the State of New Mexico. These guys are criminals.