It appears to be a legitimate company, as far as I can tell. I do, however, make sure to pay off my bills on time, and as far as I am aware, nothing is still owed. Is there a way to make if this is authentic without having to provide this phone or website with my personal information?
I received this text today, and this thread was one of the top Google search results. In my 18 years of using a credit card, I have never missed a payment or had any items sent to collections. I regularly check my credit reports annually and manage my finances meticulously.
To me, this seems like a scam unless I receive a certified letter confirming that, by some very unusual chance, I actually have outstanding debt somewhere.