Basically he contacted mother in law, when a home number was correct. Explain who he was, worked for,. This is in my husband 's name. Supposedly from XXXX. I asked for verification, says it was sent, explained mail carriers changed do n't have. I was in shock at time. Under impression not sending a validation. I wanted to call XXXX. Next morning realized we do n't have that account. Made demands to my husband had to be resolved by XXXX.