Consumer complaint received 2021-09-16
Company: Cottonwood Financial Ltd.
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I obtained the XXXX Payday loan from the XXXX XXXX XX/XX/XXXX, I paid biweekly payments of XXXX through the end of XXXX, I ran into financial difficulties the beginning of XXXX with payday loans, using short term debt to cover long term debts since my job went from full time to part-time, by the middle of XXXX I was in over my head and requested lenders to seize ACH Debits from my account, I could no longer afford all of my bills. I sent letters to letters explaining my situation, The Cash Store never responded nor tried to contact me, from XXXX we went through years of difficulties from job losses, to ill parents, to moving to another state, deaths, etc ; therefore, in XXXX my husband and I filed a Chapter XXXX Bankruptcy to include all debts. I haven't ever been contacted by the Cash Store until the beginning of this year XXXX, a third party company ( XXXX XXXX/XXXX XXXX XXXX ) on behalf of the Cash Store , first contacted me at my employer XX/XX/XXXX and 2 or 3 times a day every since. I related to them over and over that I filed a Chapter XXXX Bankruptcy in XXXX and it was discharged XX/XX/XXXX, Ms. XXXX stated she had a copy of my bankruptcy and the debt wasn't included, she told me the debt was taken out in XXXX and ended in XXXX. She threatened me on several occasions that she was going to garnish my wages. I requested her to stop calling my employer that I would be fired if she continued to call but she insisted that she could call as much as she wanted since I owed her. The calls never stopped, they even contacted some of my coworkers trying to reach me. On XX/XX/XXXX while at work I got a call that showed up on my caller ID that appeared to be XXXX County Court so I answered and another individual stated she was calling to verify my employment to start garnishment procedures. I hung up, went to my vehicle and called Ms. XXXX and pleaded with her not to garnish my wages and to please stop calling my employer, she continued to threaten me stating that she was going to have a Sherriff serve me a work, I begged her not to do it and she said the only to prevent it was to set up monthly payment of XXXX ( XXXX ) for six months. To stop ( fraudulent, which I didn't know ) court proceedings and harassment at work I agreed to the payments, she took my bank card information and set up monthly payment for XXXX per month for the XXXX of every month starting XX/XX/XXXX, I borrowed cash from my relatives to ensure I had the cash in the bank on the XXXX ; however, the bank returned the cash it was flagged for fraudulent reasons. I contacted Ms. XXXX right away and told her the bank rejected the payment and I was going to report her to the FBI and she said I'm still on her docket to be sued and my wages garnished. I NEED THIS TO STOP ASAP. The name of the company that showed on my bank account is XXXX/XXXX  XXXX ; however, the payment agreement has the company name as XXXX XXXX XXXX , the person that's been threatening me is Ms. XXXX, her phone number is XXXX. They also contact me at work from XXXX and XXXX 2 or 3 times daily.

Company response to consumer: Closed with explanation