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Originally Posted by xepherys
a) How is calling you to collect a debt against the law?
c) They are not required by law to give you their social security number and that would never fall under full disclosure. In fact, the required use of your SSN is only legally needed for tax purposes (i.e. - Employment/Income, Banks/Interest, Federal Loans that can reflect on your tax return, etc.). While a credit card company can refuse to give you credit without your SSN (most likely they would), they legally have no need for it (I don't use my real last four). In the end, they have no reason, legally, to give you THEIR SSN, as you are not an institution that will report data on them to the IRS or Social Security Administration.
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Actually, this changed with the implementation of the Patriot Act, which requires a SSN in order to for credit to be extended, under any circumstances.
I have been on both sides of the fence both as a debt collector, and working for the Credit department of the biggest bank in the world. When you sign that contract, whatever it is, that is
YOU AGREEING to The Terms of Service. If you have a dispute about specific charges, that is a slighly different scenario as that should be documented and followed up on as soon as you notice the problem. If it has gone to a debt collection agency, that means there is a lateness in payments with nothing in dispute - otherwise, in most cases, that particular account would sit in disputes instead.