Act this weekWhat happenedPeople are reporting calls, texts and letters from a name, D2 Management, that demand payment for debts, and one BBB report calls the calls fake.
Who is affectedAnyone with an iPhone or Android phone that gets calls and texts, especially people who may not have any debt at all.
What to do- 1Pay nothing and do not give card or bank details on the call.
- 2Ask for the debt in writing, with the collector's name, address, creditor and amount owed.
- 3Do not tap links or call numbers in the message. Look up official contact details yourself.
- 4Block the number, delete texts with links, and report the contact to the FTC or BBB Scam Tracker.
If a call, text or letter says you owe money to D2 Management, do not pay on the spot. Public reports describe callers using that name to demand payment, and one Better Business Bureau (BBB) report calls the calls fake. A real company with that name also exists, so the name alone proves nothing.
What is known
A business called D2 Management LLC appears as a debt collector in a federal complaint record. The earliest scam report found is a BBB Scam Tracker entry from October 2025. A comment page on 800notes also mentions the name. In the BBB report, people with no account at all were told they owed something.
Scammers often borrow real collector names because a real name sounds believable. A call that uses the name cannot tell you which situation you are in.
What is not known
No security site has written up this name, so details are limited. No court ruling or regulator order about D2 Management turned up. Whether any single call or text is real cannot be confirmed from outside. The safe move is to treat each one as unproven.
Why it matters
This is not a virus or an app. A phone call cannot install anything on an iPhone or Android phone by itself. The danger is to your money and your personal details, and the pressure is the point. Callers mention court cases or wage garnishment, which is a court ordered deduction from pay. A caller cannot start that over the phone.
Correct personal details do not prove a caller is real either. Scammers get names and numbers from data breaches and marketing lists.
What to watch for
- A demand to pay today, with a threat of arrest or a lawsuit
- Payment by gift card, urgent bank transfer or payment app
- A link or callback number in a text or voicemail
- A refusal to send the debt details in writing
The Federal Trade Commission (FTC) says a real collector must send written details of the debt at first contact or within five days. That includes the collector's name and address, the creditor's name and the amount owed. Real collectors also cannot threaten to hurt you, use obscene language or pretend to be a lawyer or government official.
What to do
The steps in the alert box above cover what to do now. In short, pay nothing, ask for the debt in writing and look up contact details yourself instead of using the ones in the message.
The takeawayPay nothing on a D2 Management call or text until the debt is proven to you in writing, and never use the contact details in the message.