640 Financial Group manages accounts that original lenders and other businesses charge off due to non-payment.
640 Financial Group does not perform any collections on consumer accounts. 640 Financial Group utilizes service providers that perform collection services on their behalf.
You do not have to. However, sending your payment to the service provider contacting you is the most efficient way to have payments posted to your account.
Please advise the service provider that they are attempting to collect an account that does not belong to you.