The call is most likely a debt‑collection scam, so treat it with caution. Scammers often masquerade as agencies, avoid sending written proof, and may use misleading caller ID names like “Mr. Cooper gift card.” Hang up immediately if you’re unsure, and never provide personal or financial details. Block the number on your phone and report it to the FTC or your local consumer protection office. If you suspect a legitimate debt, request a written notice before taking any action. Keep a log of such calls and share the info with friends to help them stay alert.
The caller ID listed the caller as Mr. Cooper, mentioning a gift card, but no message was left.
Pretending to be a collection agency, but they refuse to provide any documentation of the debt, which raises serious suspicions about their legitimacy.