Some guy called me this morning and said that I had an outstanding balance on an AmEx card. Since I don't have an AmEx card and I just received a credit report one month ago that showed that everything was in order, I knew immediately that this was a bogus phone call.
The person on the phone was very threatening and used abusive language (not very professional for someone claiming to be part of a business!).
The person had my name, but I was calling from a phone number different than the one they origally call, so they trace your calls. BEWARE, DO NOT CALL BACK FROM A NUMBER THAT YOU DON"T WANT THEM TO HAVE!!! Since I had such a strong suspicion that this was a bogus call, I asked them if they had any other personal information on me such as my social security number. They quoted me the last four digits which were completely wrong, so I hung up on them.
BEWARE... protect your identity... shred any documents that have any personal info on you... especially social security number.
This interaction gave me the creeps and makes me feel more vulnerable and reinforced the need to protect personal information.