LTD Financial Service demonstrated false representation by presenting themselves as a debt collector on behalf of XXXX. They also, call and do n't leave messages. When questioned about why they do n't leave a message, you 're they ca n't leave messages. 

On XXXX/XXXX/15 I received a call from LTD Financial Service ( I spoke with XXXX XXXX, I was then transferred to XXXX XXXX ) advising they are collecting a debt on behalf of XXXX and that I only had 45 days to pay them plus interest. I advised I did n't believe they were collecting on behalf of XXXX because I received a letter from another debt collector for the same account. 

I advised LTD that if they legally owned the account to mail me a copy of the original terms & agreement and that I would then make payment arrangements. LTD sent me a letter dated the day of over conversation ( XXXX/XXXX/15 ). 

I followed up with LTD on XXXX/XXXX/15 ( I did n't write down the reps name however LTD advises they record the calls ) on the XXXX I again requested they provide documentation that they own the account. I advised that I would contact XXXX to verify whether or not they own the account. The rep offered a telephone number XXXX. I advised that I would use the telephone number that I have. 

On XXXX/XXXX/15 I spoke with XXXX at XXXX and explained what was happening and I asked if they are continuing to collect the debt. XXXX advised they are not collecting the debt because charged it off and that they would have contacted me if they sent it to a debt collector. XXXX also let me know that she was unable to verify the telephone # XXXX and the address ( XXXX ) noted within LTD 's Financial Services letter. 

I called and spoke with XXXX XXXX on XXXX/XXXX/15 to relay the conversation I had with XXXX. I was transferred to XXXX XXXX. After letting XXXX XXXX know XXXX is not attempting to collect the debt she attempted to continue to convince me that they were a debt collector on behalf of XXXX. Within moments, XXXX XXXX then told me that they no longer have the account in their office and the debt was cancelled as of XX/XX/2015 based on the conversation with them on that day. Note : the XXXX/XXXX/15 conversation was recorded ( with disclosure it was recorded ). 

On XXXX/XXXX/15 I called the telephone number LTD alleged was the number to XXXX, a prerecorded was received indicating, hello, thank you for calling, the number you called has changed, hang on, you may qualify for one of the following options ... 

Clearly, this appears to be a company attempting to scam consumers.