I recently saw a social media posting from a friend (in New York State) saying he was getting calls from a South Carolina collection agency for a bank loan from a bank with whom he had never had an account, and from a retirement financial planning service he had never used. It was difficult to tell if these were phone calls or emails. There are details on Yelp.
I often get collection emails from “banks” with who, I have no connection, and mark the emails as spam without opening (probably laced with malware). It is possible, however, that a bank contacting a consumer could have bought another bank with whom the consumer had done business, or could have bought the debt.
Consumers should remember that, by FDCPA, they always have a right to dispute invalid debts from debt collectors after which a collector cannot legally continue contacting them.
I wonder about these gray line-of-credit cards I get in the mail, unsolicited. What if I got contacted for a loan I had never taken out?