**Debt Collection Scam Campaign Exploiting Personality Testing Website**
This cybersecurity investigation reveals a coordinated campaign connecting two debt collection companies with a personality testing website through shared communications infrastructure. The domain personality.co, registered through MarkMonitor, Inc. on September 23, 2011, serves as the central hub connecting phone number 315-325-8670 with ACCOUNT SERVICES INC. (8 CFPB complaints) and Credit Corp Solutions Inc. (2,743 CFPB complaints). Both entities operate in the debt collection industry and demonstrate moderate to high confidence connections to the personality.co domain, with Credit Corp Solutions Inc. showing the strongest relationship at 0.59 confidence.
Consumer reports reveal a sophisticated deceptive billing scheme targeting vulnerable populations, particularly seniors. A 79-year-old victim reported being lured by personality.co's offer of a "FREE" personality test requiring only $1.95 for processing in May 2025. Multiple consumers describe identical patterns where the website uses fine print to conceal recurring monthly charges after the initial payment for what appears to be a one-time service. The scheme employs "Negative Option" billing tactics, automatically enrolling consumers in subscription services without clear consent, transforming what victims believe is a single $1.95 charge into ongoing monthly billing.
The campaign's infrastructure shows coordinated reporting patterns, with the phone number 315-325-8670 connected to personality.co through multiple relationship types reported together by consumers. Despite the phone number showing 0 FTC complaints directly, its connection to Credit Corp Solutions Inc., which has accumulated 2,743 CFPB complaints, indicates potential use in debt collection activities following the initial personality test scam. The relationship between ACCOUNT SERVICES INC. and the same domain suggests a network of related debt collection operations using the personality testing website as a lead generation tool.
**Consumer Protection Advice**
To protect yourself from similar scams, always verify company legitimacy by checking CFPB complaint databases and searching for consumer reviews before providing payment information for "free" offers. If contacted by unfamiliar debt collectors or personality testing services, hang up immediately and do not click links in unsolicited emails or text messages. Never provide personal or financial information to unverified entities. Before engaging with any website or phone number, check the FTC's fraud database and search online for scam reports. Report suspicious contacts to the FTC at reportfraud.ftc.gov or file complaints with the FCC for unwanted calls. Always read all terms and conditions carefully, particularly regarding recurring charges, and use credit cards rather than debit cards for online purchases to enable easier dispute resolution.
This campaign represents a moderate threat level with established infrastructure and documented consumer harm totaling over 2,750 combined complaints across associated entities. Immediate next steps include monitoring personality.co for continued deceptive practices, tracking complaint patterns for the connected debt collection companies, and alerting senior-focused consumer protection networks about the targeting patterns observed in this campaign.